Top 10 Best Principal Mutual Fund Schemes 2025 | Fincash

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Top 10 Best Principal Mutual Fund Schemes for 2025

Updated on March 19, 2025 , 13735 views

UPDATE: Sundaram AMC acquires Principal AMC. After the acquisition, which was completed on 31 December 2021, certain schemes of sundaram mf were merged with corresponding schemes of Principal MF and vice-versa.

Principal Mutual Fund is one of the fastest growing Mutual Fund companies in India. The fund house manages assets for over 4 lakh customers, through 102 investor centres with over 20,000 empanelled distributors across the country. The company offers a wide Range of schemes that are designed to meet various investment goals of investors.

Investors can choose from a host of options like— equity, debt, ELSS, balanced, Liquid Funds, fund of funds, etc. Equity Funds are best suited for a long-term plan while liquid funds are ideal for earning good returns in a short span of time. Principal Mutual Fund follows a disciplined investment approach through which it aims to create, protect and grow wealth of the investors.

Investors planning to invest can choose a fund from the below-listed top 10 best Principal Mutual Fund schemes. These funds have been shortlisted by undertaking certain important parameters like AUM, NAV, past performances, peer average returns, etc.

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Why Invest in Principal Mutual Fund?

Principal Mutual Fund has an extensive network of over 20,000 distributors across the country. It includes financial advisor firms, corporate banks, financial institutes, and stockbrokers.
Company schemes offer the option to reduce taxable Income thus, saving tax. Principal Tax Savings Fund is such schemes where an investor is eligible for a tax Deduction of up to one lakh.
Investors can put their money in a target equity while still invested in a debt or a liquid fund. Thus, the investor will get returns on the equity as well as the protection.
The company produces a monthly fact sheet. In it, it lays out the details of money invested in each company, rating of the company, returns, dividends, and ratio of performance.

Best Mutual Fund Schemes by Principal Mutual Fund

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	Since launch (%)	2024 (%)
Principal Emerging Bluechip Fund Growth	₹183.316 ↑ 2.03	₹3,124	5,000	100	2.9	13.6	38.9	21.9	19.2	24.8
Principal Hybrid Equity Fund Growth	₹151.862 ↑ 1.01	₹5,236	5,000	100	-2.9	-7.6	8.7	11.6	19.2	11.4	17.1
Principal Cash Management Fund Growth	₹2,259.92 ↑ 0.58	₹6,619	5,000	2,000	1.7	3.5	7.2	6.6	5.3	6.5	7.3
Principal Global Opportunities Fund Growth	₹47.4362 ↓ -0.04	₹38	10,000	2,000	2.9	3.1	25.8	24.8	16.5	9.2
Principal Credit Risk Fund Growth	₹3,103.96 ↓ -0.49	₹15	5,000	2,000	14.3	7.9	11.5	5.8	6.8	7.4
Principal Multi Cap Growth Fund Growth	₹346.062 ↑ 3.31	₹2,417	5,000	100	-6	-12	10.4	14.1	25.8	15.6	19.5
Principal Tax Savings Fund Growth	₹468.547 ↑ 4.39	₹1,212	500	500	-4	-10	7.9	13.7	24.5	15.8	15.8
Principal Short Term Debt Fund Growth	₹43.1226 ↑ 0.02	₹213	5,000	2,000	1.9	3.3	7.8	6.4	6.6	6.9	7.9
Principal Dynamic Bond Fund Growth	₹31.9328 ↑ 0.02	₹29	5,000	2,000	5.7	4.4	7.5	2.9	5.5	6.9
Principal Focused Multicap Fund Growth	₹148.906 ↑ 0.90	₹1,007	5,000	100	-7.1	-12.8	6.5	11.8	21.9	15	17.2
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

1. Principal Emerging Bluechip Fund

The primary objective of the Scheme is to achieve long-term capital appreciation by investing in equity & equity related instruments of mid cap & small cap companies.

Principal Emerging Bluechip Fund is a Equity - Large & Mid Cap fund was launched on 12 Nov 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 24.8% since its launch. Ranked 1 in Large & Mid Cap category. .

Below is the key information for Principal Emerging Bluechip Fund

Principal Emerging Bluechip Fund Growth
Launch Date	12 Nov 08
NAV (31 Dec 21)	₹183.316 ↑ 2.03 (1.12 %)
Net Assets (Cr)	₹3,124 on 30 Nov 21
Category	Equity - Large & Mid Cap
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.08
Sharpe Ratio	2.74
Information Ratio	0.22
Alpha Ratio	2.18
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹13,144

Principal Emerging Bluechip Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Principal Emerging Bluechip Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	2.9%
3 Month	2.9%
6 Month	13.6%
1 Year	38.9%
3 Year	21.9%
5 Year	19.2%
10 Year
15 Year
Since launch	24.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Principal Emerging Bluechip Fund

Name	Since	Tenure

Data below for Principal Emerging Bluechip Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. Principal Hybrid Equity Fund

(Erstwhile Principal Balanced Fund)

Aims to generate long term capital appreciation and current income by investing in a portfolio of equity, equity related securities and fixed income securities.

Principal Hybrid Equity Fund is a Hybrid - Hybrid Equity fund was launched on 14 Jan 00. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 11.4% since its launch. Ranked 1 in Hybrid Equity category. Return for 2024 was 17.1% , 2023 was 16.8% and 2022 was 3% .

Below is the key information for Principal Hybrid Equity Fund

Principal Hybrid Equity Fund Growth
Launch Date	14 Jan 00
NAV (21 Mar 25)	₹151.862 ↑ 1.01 (0.67 %)
Net Assets (Cr)	₹5,236 on 28 Feb 25
Category	Hybrid - Hybrid Equity
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.91
Sharpe Ratio	-0.3
Information Ratio	-0.16
Alpha Ratio	0.18
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹12,460
28 Feb 22	₹14,366
28 Feb 23	₹14,730
29 Feb 24	₹18,684
28 Feb 25	₹19,157

Principal Hybrid Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Principal Hybrid Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	2.9%
3 Month	-2.9%
6 Month	-7.6%
1 Year	8.7%
3 Year	11.6%
5 Year	19.2%
10 Year
15 Year
Since launch	11.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.1%
2023	16.8%
2022	3%
2021	25.4%
2020	16.3%
2019	2.1%
2018	-1.5%
2017	36.3%
2016	10.1%
2015	3.1%

Fund Manager information for Principal Hybrid Equity Fund

Name	Since	Tenure
Dwijendra Srivastava	1 Jan 22	3.16 Yr.
S. Bharath	1 Jan 22	3.16 Yr.
Sandeep Agarwal	1 Jan 22	3.16 Yr.
Clyton Fernandes	4 Oct 24	0.41 Yr.

Data below for Principal Hybrid Equity Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	7.79%
Equity	69.46%
Debt	22.74%
Other	0%

Equity Sector Allocation

Sector	Value
Financial Services	17.97%
Consumer Cyclical	12.16%
Technology	7.95%
Industrials	7.2%
Health Care	5.72%
Energy	5.35%
Consumer Defensive	4.27%
Communication Services	3.47%
Basic Materials	3.29%
Utility	2.08%

Debt Sector Allocation

Sector	Value
Government	14.51%
Corporate	8.34%
Cash Equivalent	7.68%

Credit Quality

Rating	Value
AA	5%
AAA	93.58%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	6%	₹312 Cr	30,500,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	4%	₹221 Cr	1,300,750
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	4%	₹221 Cr	1,762,000 ↑ 32,000
Reliance Industries Ltd (Energy) Equity, Since 28 Feb 07 \| RELIANCE	4%	₹219 Cr	1,730,000 ↑ 154,774
Infosys Ltd (Technology) Equity, Since 30 Sep 17 \| INFY	3%	₹175 Cr	930,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 18 \| BHARTIARTL	3%	₹163 Cr	1,000,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 13 \| LT	2%	₹113 Cr	316,000
State Bank of India (Financial Services) Equity, Since 31 Oct 11 \| SBIN	2%	₹108 Cr	1,398,761 ↑ 123,761
7.23% Govt Stock 2039 Sovereign Bonds \| -	2%	₹104 Cr	10,000,000
Sundaram Money Market Dir Gr Investment Fund \| -	2%	₹102 Cr	69,857,221

3. Principal Cash Management Fund

To provide investors with as high a level of income available from short-term investments as is considered consistent with preservation of capital and maintenance of liquidity, by investing in a portfolio of money market and investment grade debt instruments. The scheme will invest its assets in a portfolio of money market instruments. The investments will be in securities, which the Investment Manager believes present minimal liquidity and/or credit risks.

Principal Cash Management Fund is a Debt - Liquid Fund fund was launched on 30 Aug 04. It is a fund with Low risk and has given a CAGR/Annualized return of 6.5% since its launch. Ranked 5 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% .

Below is the key information for Principal Cash Management Fund

Principal Cash Management Fund Growth
Launch Date	30 Aug 04
NAV (21 Mar 25)	₹2,259.92 ↑ 0.58 (0.03 %)
Net Assets (Cr)	₹6,619 on 28 Feb 25
Category	Debt - Liquid Fund
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.29
Sharpe Ratio	3.14
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	NIL
Yield to Maturity	7.22%
Effective Maturity	1 Month 17 Days
Modified Duration	1 Month 17 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,342
28 Feb 22	₹10,678
28 Feb 23	₹11,246
29 Feb 24	₹12,050
28 Feb 25	₹12,921

Principal Cash Management Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Principal Cash Management Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.5%
1 Year	7.2%
3 Year	6.6%
5 Year	5.3%
10 Year
15 Year
Since launch	6.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	3.8%
2019	6.2%
2018	-1.8%
2017	6.8%
2016	7.7%
2015	8.4%

Fund Manager information for Principal Cash Management Fund

Name	Since	Tenure
Dwijendra Srivastava	1 Jan 22	3.16 Yr.
Sandeep Agarwal	16 May 22	2.79 Yr.

Data below for Principal Cash Management Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	99.76%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	78.57%
Corporate	20.37%
Government	0.81%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Limited Certificate of Deposit \| -	5%	₹324 Cr	6,500
Indian Bank Certificate of Deposit \| -	4%	₹249 Cr	5,000
Bank Of Baroda Certificate of Deposit \| -	4%	₹246 Cr	5,000 ↑ 5,000
Union Bank Of India Certificate of Deposit \| -	4%	₹224 Cr	4,500
Punjab National Bank Certificate of Deposit \| -	3%	₹199 Cr	4,000
91 Days Tbill Red 08-05-2025 Sovereign Bonds \| -	3%	₹197 Cr	20,000,000 ↑ 20,000,000
Tata Capital Ltd. Commercial Paper \| -	3%	₹197 Cr	4,000 ↑ 4,000
Small Industries Development Bank Of India Commercial Paper \| -	2%	₹149 Cr	3,000
Indian Bank - 06/05/2025** Net Current Assets \| -	2%	₹148 Cr	3,000 ↑ 3,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹148 Cr	3,000 ↑ 3,000

4. Principal Global Opportunities Fund

The investment objective of the Scheme is to provide long term capital appreciation by predominantly investing in overseas mutual fund schemes, and a certain portion of its corpus in Money Market Securities and/or units of Money Market / Liquid Schemes of Principal Mutual Fund.

Principal Global Opportunities Fund is a Equity - Global fund was launched on 29 Mar 04. It is a fund with High risk and has given a CAGR/Annualized return of 9.2% since its launch. Ranked 8 in Global category. .

Below is the key information for Principal Global Opportunities Fund

Principal Global Opportunities Fund Growth
Launch Date	29 Mar 04
NAV (31 Dec 21)	₹47.4362 ↓ -0.04 (-0.09 %)
Net Assets (Cr)	₹38 on 30 Nov 21
Category	Equity - Global
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.1
Sharpe Ratio	2.31
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	2,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹13,917

Principal Global Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for Principal Global Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0%
3 Month	2.9%
6 Month	3.1%
1 Year	25.8%
3 Year	24.8%
5 Year	16.5%
10 Year
15 Year
Since launch	9.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Principal Global Opportunities Fund

Name	Since	Tenure

Data below for Principal Global Opportunities Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. Principal Credit Risk Fund

(Erstwhile Principal Credit Opportunities Fund)

To generate regular income & Capital appreciation through investments in debt securities and money market instruments

Principal Credit Risk Fund is a Debt - Credit Risk fund was launched on 14 Sep 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 16 in Credit Risk category. .

Below is the key information for Principal Credit Risk Fund

Principal Credit Risk Fund Growth
Launch Date	14 Sep 04
NAV (03 Sep 20)	₹3,103.96 ↓ -0.49 (-0.02 %)
Net Assets (Cr)	₹15 on 31 Jul 20
Category	Debt - Credit Risk
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.64
Sharpe Ratio	0.49
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	NIL
Yield to Maturity	3.44%
Effective Maturity	4 Months 16 Days
Modified Duration	3 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000

Principal Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Principal Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.1%
3 Month	14.3%
6 Month	7.9%
1 Year	11.5%
3 Year	5.8%
5 Year	6.8%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Principal Credit Risk Fund

Name	Since	Tenure

Data below for Principal Credit Risk Fund as on 31 Jul 20

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

6. Principal Multi Cap Growth Fund

(Erstwhile Principal Growth Fund)

The primary investment objective of the scheme is to achieve long-term capital appreciation.

Principal Multi Cap Growth Fund is a Equity - Multi Cap fund was launched on 25 Oct 00. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.6% since its launch. Ranked 12 in Multi Cap category. Return for 2024 was 19.5% , 2023 was 31.1% and 2022 was -1.6% .

Below is the key information for Principal Multi Cap Growth Fund

Principal Multi Cap Growth Fund Growth
Launch Date	25 Oct 00
NAV (21 Mar 25)	₹346.062 ↑ 3.31 (0.97 %)
Net Assets (Cr)	₹2,417 on 28 Feb 25
Category	Equity - Multi Cap
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.05
Sharpe Ratio	-0.28
Information Ratio	-0.86
Alpha Ratio	1.72
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹12,728
28 Feb 22	₹16,376
28 Feb 23	₹16,377
29 Feb 24	₹22,806
28 Feb 25	₹23,057

Principal Multi Cap Growth Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for Principal Multi Cap Growth Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	2.9%
3 Month	-6%
6 Month	-12%
1 Year	10.4%
3 Year	14.1%
5 Year	25.8%
10 Year
15 Year
Since launch	15.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.5%
2023	31.1%
2022	-1.6%
2021	46.3%
2020	15%
2019	3.9%
2018	-8.7%
2017	48.7%
2016	6.4%
2015	2.8%

Fund Manager information for Principal Multi Cap Growth Fund

Name	Since	Tenure
Ratish Varier	1 Jan 22	3.16 Yr.
Sudhir Kedia	1 Jan 22	3.16 Yr.

Data below for Principal Multi Cap Growth Fund as on 28 Feb 25

Equity Sector Allocation

Sector	Value
Financial Services	19.63%
Industrials	19.27%
Consumer Cyclical	14.61%
Technology	7.67%
Energy	7.02%
Health Care	6.57%
Basic Materials	6.03%
Communication Services	5.55%
Consumer Defensive	3.65%
Utility	3.09%
Real Estate	1.11%

Asset Allocation

Asset Class	Value
Cash	5.77%
Equity	94.23%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 09 \| HDFCBANK	5%	₹132 Cr	778,994 ↑ 32,419
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 05 \| RELIANCE	4%	₹106 Cr	836,759 ↓ -20,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	4%	₹106 Cr	843,569
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 23 \| LT	3%	₹92 Cr	256,848 ↓ -3,894
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Jun 24 \| KOTAKBANK	3%	₹74 Cr	391,704
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 24 \| 532215	3%	₹72 Cr	732,696 ↑ 154,873
Infosys Ltd (Technology) Equity, Since 30 Apr 08 \| INFY	3%	₹67 Cr	354,987 ↓ -70,863
Indian Bank (Financial Services) Equity, Since 31 Dec 23 \| 532814	3%	₹67 Cr	1,197,042 ↑ 25,622
KEI Industries Ltd (Industrials) Equity, Since 31 Dec 20 \| KEI	2%	₹59 Cr	147,730
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 20 \| AMBER	2%	₹59 Cr	90,000

7. Principal Tax Savings Fund

To build a high quality growth-oriented portfolio to provide long-term capital gains to the investors, the scheme aims at providing returns through capital appreciation.

Principal Tax Savings Fund is a Equity - ELSS fund was launched on 31 Mar 96. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.8% since its launch. Ranked 8 in ELSS category. Return for 2024 was 15.8% , 2023 was 24.5% and 2022 was 4.3% .

Below is the key information for Principal Tax Savings Fund

Principal Tax Savings Fund Growth
Launch Date	31 Mar 96
NAV (21 Mar 25)	₹468.547 ↑ 4.39 (0.95 %)
Net Assets (Cr)	₹1,212 on 28 Feb 25
Category	Equity - ELSS
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.26
Sharpe Ratio	-0.34
Information Ratio	-0.29
Alpha Ratio	0.68
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹13,299
28 Feb 22	₹16,052
28 Feb 23	₹16,551
29 Feb 24	₹22,049
28 Feb 25	₹22,392

Principal Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹556,833.
Net Profit of ₹256,833 Invest Now

Returns for Principal Tax Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	2.2%
3 Month	-4%
6 Month	-10%
1 Year	7.9%
3 Year	13.7%
5 Year	24.5%
10 Year
15 Year
Since launch	15.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.8%
2023	24.5%
2022	4.3%
2021	32.1%
2020	18.9%
2019	2.5%
2018	-9.2%
2017	48.8%
2016	6.2%
2015	2.7%

Fund Manager information for Principal Tax Savings Fund

Name	Since	Tenure
Sudhir Kedia	29 Oct 19	5.34 Yr.
Rohit Seksaria	1 Jan 22	3.16 Yr.

Data below for Principal Tax Savings Fund as on 28 Feb 25

Equity Sector Allocation

Sector	Value
Financial Services	31.35%
Industrials	12.7%
Consumer Cyclical	10.84%
Technology	8.28%
Health Care	7.16%
Consumer Defensive	7.12%
Communication Services	5.93%
Energy	5.45%
Basic Materials	4.59%
Utility	1.38%

Asset Allocation

Asset Class	Value
Cash	4.54%
Equity	95.46%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 09 \| HDFCBANK	8%	₹109 Cr	644,000 ↑ 46,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	7%	₹92 Cr	737,000
Infosys Ltd (Technology) Equity, Since 31 Jan 09 \| INFY	4%	₹58 Cr	306,000
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 21 \| RELIANCE	4%	₹55 Cr	434,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 13 \| LT	3%	₹41 Cr	115,000
State Bank of India (Financial Services) Equity, Since 30 Apr 05 \| SBIN	3%	₹34 Cr	444,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services) Equity, Since 30 Nov 21 \| 890157	3%	₹34 Cr	283,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Jan 14 \| 532538	2%	₹31 Cr	27,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 17 \| 532215	2%	₹31 Cr	311,000
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Aug 15 \| SUNPHARMA	2%	₹29 Cr	164,000 ↓ -36,000

8. Principal Short Term Debt Fund

(Erstwhile Principal Short Term Income Fund)

To generate regular income and capital appreciation/ accretion through investment in debt instruments and related securities besides preservation of capital.

Principal Short Term Debt Fund is a Debt - Short term Bond fund was launched on 9 May 03. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.9% since its launch. Ranked 34 in Short term Bond category. Return for 2024 was 7.9% , 2023 was 6.9% and 2022 was 3.5% .

Below is the key information for Principal Short Term Debt Fund

Principal Short Term Debt Fund Growth
Launch Date	9 May 03
NAV (21 Mar 25)	₹43.1226 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹213 on 28 Feb 25
Category	Debt - Short term Bond
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.84
Sharpe Ratio	0.83
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	NIL
Yield to Maturity	7.36%
Effective Maturity	3 Years 5 Months 22 Days
Modified Duration	2 Years 8 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹10,703
28 Feb 22	₹11,229
28 Feb 23	₹11,636
29 Feb 24	₹12,502
28 Feb 25	₹13,463

Principal Short Term Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Principal Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.3%
1 Year	7.8%
3 Year	6.4%
5 Year	6.6%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	3.5%
2021	3.2%
2020	10.3%
2019	-1.7%
2018	6%
2017	5.7%
2016	9.6%
2015	8.1%

Fund Manager information for Principal Short Term Debt Fund

Name	Since	Tenure
Dwijendra Srivastava	1 Jan 22	3.16 Yr.
Sandeep Agarwal	1 Jan 22	3.16 Yr.

Data below for Principal Short Term Debt Fund as on 28 Feb 25

Asset Allocation

Asset Class	Value
Cash	12.34%
Debt	87.38%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	51.3%
Government	38.39%
Cash Equivalent	10.03%

Credit Quality

Rating	Value
AA	18.63%
AAA	81.37%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	12%	₹26 Cr	2,500,000
7.37% Govt Stock 2028 Sovereign Bonds \| -	7%	₹15 Cr	1,500,000
Bharti Telecom Limited Debentures \| -	5%	₹11 Cr	1,100
7.38% Govt Stock 2027 Sovereign Bonds \| -	5%	₹10 Cr	1,000,000
Power Finance Corporation Ltd. Debentures \| -	5%	₹10 Cr	1,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹10 Cr	1,000
PNb Housing Finance Limited Debentures \| -	5%	₹10 Cr	1,000
Export-Import Bank Of India Debentures \| -	5%	₹10 Cr	1,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	2%	₹5 Cr	500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	2%	₹5 Cr	500,000

9. Principal Dynamic Bond Fund

To generate regular income and capital appreciation/ accretion through investment in debt instruments and related securities besides preservation of capital. The scheme will aim to invest its assets in a portfolio of debt instruments and related securities of government, quasi-government, corporate issuers and money market instruments with varying risks – rated investment grade or higher or otherwise comparable (if not rated).

Principal Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 9 May 03. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.9% since its launch. Ranked 20 in Dynamic Bond category. .

Below is the key information for Principal Dynamic Bond Fund

Principal Dynamic Bond Fund Growth
Launch Date	9 May 03
NAV (03 Sep 20)	₹31.9328 ↑ 0.02 (0.07 %)
Net Assets (Cr)	₹29 on 31 Jul 20
Category	Debt - Dynamic Bond
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	0.54
Information Ratio	-0.95
Alpha Ratio	-4.7
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	4.84%
Effective Maturity	3 Years 9 Months 14 Days
Modified Duration	3 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000

Principal Dynamic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Principal Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	-0.1%
3 Month	5.7%
6 Month	4.4%
1 Year	7.5%
3 Year	2.9%
5 Year	5.5%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Principal Dynamic Bond Fund

Name	Since	Tenure

Data below for Principal Dynamic Bond Fund as on 31 Jul 20

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

10. Principal Focused Multicap Fund

(Erstwhile Principal Large Cap Fund)

The Investment Objective of the scheme would be to provide capital appreciation and /or dividend distribution by predominantly investing in companies having a large market capitalization.

Principal Focused Multicap Fund is a Equity - Focused fund was launched on 11 Nov 05. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15% since its launch. Ranked 36 in Focused category. Return for 2024 was 17.2% , 2023 was 24.4% and 2022 was -0.3% .

Below is the key information for Principal Focused Multicap Fund

Principal Focused Multicap Fund Growth
Launch Date	11 Nov 05
NAV (21 Mar 25)	₹148.906 ↑ 0.90 (0.61 %)
Net Assets (Cr)	₹1,007 on 28 Feb 25
Category	Equity - Focused
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.31
Sharpe Ratio	-0.22
Information Ratio	-0.39
Alpha Ratio	1.97
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
29 Feb 20	₹10,000
28 Feb 21	₹13,016
28 Feb 22	₹15,419
28 Feb 23	₹15,353
29 Feb 24	₹20,544
28 Feb 25	₹21,195

Principal Focused Multicap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for Principal Focused Multicap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	-0.6%
3 Month	-7.1%
6 Month	-12.8%
1 Year	6.5%
3 Year	11.8%
5 Year	21.9%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.2%
2023	24.4%
2022	-0.3%
2021	33.7%
2020	19.7%
2019	11.8%
2018	-1.2%
2017	31.8%
2016	3.8%
2015	0.6%

Fund Manager information for Principal Focused Multicap Fund

Name	Since	Tenure
S. Bharath	1 Jul 24	0.67 Yr.
Ashwin Jain	21 Oct 24	0.36 Yr.

Data below for Principal Focused Multicap Fund as on 28 Feb 25

Equity Sector Allocation

Sector	Value
Financial Services	34.41%
Industrials	13.27%
Consumer Cyclical	13.01%
Technology	10.16%
Communication Services	8.62%
Health Care	7.67%
Energy	5.24%
Consumer Defensive	2.36%
Basic Materials	1.85%

Asset Allocation

Asset Class	Value
Cash	3.41%
Equity	96.59%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	9%	₹93 Cr	550,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	7%	₹77 Cr	612,000
Infosys Ltd (Technology) Equity, Since 30 Nov 05 \| INFY	6%	₹60 Cr	319,864
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 24 \| BHARTIARTL	5%	₹56 Cr	345,000
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 05 \| RELIANCE	5%	₹56 Cr	440,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| 532215	4%	₹47 Cr	472,482
Zomato Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| 543320	4%	₹47 Cr	2,114,000
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	4%	₹46 Cr	597,896
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Nov 24 \| ICICIGI	4%	₹45 Cr	244,811 ↑ 65,206
Dr Reddy's Laboratories Ltd (Healthcare) Equity, Since 30 Nov 24 \| DRREDDY	4%	₹45 Cr	367,886

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.