முதல் 10 சிறந்த முதன்மை மியூச்சுவல் ஃபண்ட் திட்டங்கள் 2022 | ஃபின்காஷ்

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முதன்மை மியூச்சுவல் ஃபண்டில் ஏன் முதலீடு செய்ய வேண்டும்?
முதன்மை மியூச்சுவல் ஃபண்டின் சிறந்த மியூச்சுவல் ஃபண்ட் திட்டங்கள்
ஆன்லைனில் முதன்மை மியூச்சுவல் ஃபண்டில் முதலீடு செய்வது எப்படி?
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2022க்கான முதல் 10 சிறந்த முதன்மை மியூச்சுவல் ஃபண்ட் திட்டங்கள்

Updated on November 20, 2024 , 13146 views

முதன்மை மியூச்சுவல் ஃபண்ட் வேகமாக வளர்ந்து வரும் ஒன்றாகும்பரஸ்பர நிதி இந்தியாவில் உள்ள நிறுவனங்கள். ஃபண்ட் ஹவுஸ் 102 மூலம் 4 லட்சம் வாடிக்கையாளர்களுக்கு சொத்துக்களை நிர்வகிக்கிறதுமுதலீட்டாளர் 20க்கும் மேற்பட்ட மையங்கள்,000 நாடு முழுவதும் உள்ள விநியோகஸ்தர்கள். நிறுவனம் பரந்த அளவில் வழங்குகிறதுசரகம் முதலீட்டாளர்களின் பல்வேறு முதலீட்டு இலக்குகளை சந்திக்க வடிவமைக்கப்பட்ட திட்டங்கள்.

முதலீட்டாளர்கள் பங்கு, கடன், போன்ற பல விருப்பங்களிலிருந்து தேர்வு செய்யலாம்.ELSS, சமச்சீர்,திரவ நிதிகள்,நிதி நிதி, முதலியனஈக்விட்டி நிதிகள் நீண்ட காலத்திற்கு மிகவும் பொருத்தமானது -கால திட்டம் திரவ நிதிகள் குறுகிய காலத்தில் நல்ல வருமானத்தை ஈட்டுவதற்கு ஏற்றதாக இருக்கும். முதன்மை மியூச்சுவல் ஃபண்ட் ஒரு ஒழுக்கமான முதலீட்டு அணுகுமுறையைப் பின்பற்றுகிறது, இதன் மூலம் முதலீட்டாளர்களின் செல்வத்தை உருவாக்குதல், பாதுகாத்தல் மற்றும் வளர்ப்பதை நோக்கமாகக் கொண்டுள்ளது.

முதலீடு செய்யத் திட்டமிடும் முதலீட்டாளர்கள் கீழே பட்டியலிடப்பட்டுள்ள முதல் 10 சிறந்த முதன்மை மியூச்சுவல் ஃபண்ட் திட்டங்களில் இருந்து ஒரு ஃபண்டைத் தேர்வு செய்யலாம். AUM போன்ற சில முக்கியமான அளவுருக்களை மேற்கொள்வதன் மூலம் இந்த நிதிகள் பட்டியலிடப்பட்டுள்ளன,இல்லை, கடந்தகால நிகழ்ச்சிகள், சக சராசரி வருமானம் போன்றவை.

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முதன்மை மியூச்சுவல் ஃபண்டில் ஏன் முதலீடு செய்ய வேண்டும்?

முதன்மை மியூச்சுவல் ஃபண்ட் நாடு முழுவதும் 20,000 விநியோகஸ்தர்களின் விரிவான நெட்வொர்க்கைக் கொண்டுள்ளது. இதில் அடங்கும்நிதி ஆலோசகர் நிறுவனங்கள், பெருநிறுவன வங்கிகள், நிதி நிறுவனங்கள் மற்றும் பங்கு தரகர்கள்.
நிறுவனத்தின் திட்டங்கள் வரியை குறைக்கும் விருப்பத்தை வழங்குகின்றனவருமானம் இதனால், வரி மிச்சமாகும்.முதன்மை வரி சேமிப்பு நிதி ஒரு முதலீட்டாளர் வரிக்கு தகுதியுடைய திட்டங்களாகும்கழித்தல் ஒரு லட்சம் வரை.
கடன் அல்லது திரவ நிதியில் முதலீடு செய்யும் போது முதலீட்டாளர்கள் தங்கள் பணத்தை இலக்கு ஈக்விட்டியில் வைக்கலாம். இதனால், முதலீட்டாளர் ஈக்விட்டி மற்றும் பாதுகாப்பின் மீதான வருமானத்தைப் பெறுவார்.
நிறுவனம் மாதாந்திர உண்மைத் தாளைத் தயாரிக்கிறது. அதில், ஒவ்வொரு நிறுவனத்திலும் முதலீடு செய்யப்பட்ட பணம், நிறுவனத்தின் மதிப்பீடு, வருமானம், ஈவுத்தொகை, செயல்திறன் விகிதம் போன்ற விவரங்களைக் குறிப்பிடுகிறது.

முதன்மை மியூச்சுவல் ஃபண்டின் சிறந்த மியூச்சுவல் ஃபண்ட் திட்டங்கள்

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	Since launch (%)	2023 (%)
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	₹156.392 ↑ 1.70	₹5,358	5,000	100	-1.8	7.8	22.8	11.7	15.4	11.7	16.8
Principal Cash Management Fund Growth	₹2,210.13 ↑ 0.39	₹6,783	5,000	2,000	1.7	3.5	7.3	6.2	5.2	6.4	7
Principal Multi Cap Growth Fund Growth	₹365.97 ↑ 6.09	₹2,759	5,000	100	-3.4	6.8	28	15.8	21	16.1	31.1
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 Tax Savings Fund Growth	₹483.516 ↑ 9.29	₹1,351	500	500	-3.7	4.8	23.1	13.8	18.8	16.2	24.5
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 Dividend Yield Fund Growth	₹135.704 ↑ 2.42	₹933	5,000	500	-4.9	4.5	28.6	17.2	20.3	13.9	34
Principal Focused Multicap Fund Growth	₹159.207 ↑ 2.63	₹1,105	5,000	100	-3.4	6.5	25.6	13	18.8	15.7	24.4
Principal Short Term Debt Fund Growth	₹42.1136 ↓ -0.01	₹223	5,000	2,000	2	4.1	8.1	6	6.2	6.9	6.9
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
31 Oct 19	₹10,000
31 Oct 20	₹10,424
31 Oct 21	₹17,267

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
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014

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 11.7% since its launch. Ranked 1 in Hybrid Equity category. Return for 2023 was 16.8% , 2022 was 3% and 2021 was 25.4% .

Below is the key information for Principal Hybrid Equity Fund

Principal Hybrid Equity Fund Growth
Launch Date	14 Jan 00
NAV (22 Nov 24)	₹156.392 ↑ 1.70 (1.10 %)
Net Assets (Cr)	₹5,358 on 31 Oct 24
Category	Hybrid - Hybrid Equity
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.91
Sharpe Ratio	1.93
Information Ratio	-0.1
Alpha Ratio	1.18
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
31 Oct 19	₹10,000
31 Oct 20	₹10,172
31 Oct 21	₹14,867
31 Oct 22	₹15,137
31 Oct 23	₹16,145
31 Oct 24	₹20,714

Principal Hybrid Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 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	-1.6%
3 Month	-1.8%
6 Month	7.8%
1 Year	22.8%
3 Year	11.7%
5 Year	15.4%
10 Year
15 Year
Since launch	11.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	34.9%

Fund Manager information for Principal Hybrid Equity Fund

Name	Since	Tenure
Dwijendra Srivastava	1 Jan 22	2.84 Yr.
S. Bharath	1 Jan 22	2.84 Yr.
Sandeep Agarwal	1 Jan 22	2.84 Yr.
Clyton Fernandes	4 Oct 24	0.08 Yr.

Data below for Principal Hybrid Equity Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	4.08%
Equity	73.18%
Debt	22.74%
Other	0.01%

Equity Sector Allocation

Sector	Value
Financial Services	17.94%
Consumer Cyclical	15.14%
Industrials	7.59%
Technology	6.82%
Energy	5.94%
Health Care	5.88%
Consumer Defensive	5.23%
Basic Materials	3.43%
Communication Services	3.1%
Utility	2.11%

Debt Sector Allocation

Sector	Value
Government	14.38%
Corporate	9.76%
Cash Equivalent	2.68%

Credit Quality

Rating	Value
AA	1.57%
AAA	96.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 28 Feb 07 \| RELIANCE	4%	₹226 Cr	766,363 ↓ -41,137
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	4%	₹225 Cr	1,300,750
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	4%	₹216 Cr	1,700,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 18 \| BHARTIARTL	3%	₹171 Cr	1,000,000
Kalyan Jewellers India Ltd (Consumer Cyclical) Equity, Since 31 Dec 22 \| KALYANKJIL	3%	₹168 Cr	2,300,000 ↓ -160,000
07.18 Goi 14082033 Sovereign Bonds \| -	3%	₹159 Cr	15,500,000 ↓ -4,500,000
7.10%Goi 08/04/2034 Sovereign Bonds \| -	3%	₹159 Cr	15,500,000 ↑ 5,500,000
Infosys Ltd (Technology) Equity, Since 30 Sep 17 \| INFY	3%	₹154 Cr	820,000
Sundaram Liquid Dir Gr Investment Fund \| -	3%	₹140 Cr	634,137 ↑ 634,137
7.23% Goi 15/04/2039 Sovereign Bonds \| -	2%	₹104 Cr	10,000,000

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 6.4% since its launch. Ranked 5 in Liquid Fund category. Return for 2023 was 7% , 2022 was 4.8% and 2021 was 3.2% .

Below is the key information for Principal Cash Management Fund

Principal Cash Management Fund Growth
Launch Date	30 Aug 04
NAV (22 Nov 24)	₹2,210.13 ↑ 0.39 (0.02 %)
Net Assets (Cr)	₹6,783 on 31 Oct 24
Category	Debt - Liquid Fund
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.29
Sharpe Ratio	3.2
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	NIL
Yield to Maturity	7.06%
Effective Maturity	1 Month 10 Days
Modified Duration	1 Month 10 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,412
31 Oct 21	₹10,736
31 Oct 22	₹11,194
31 Oct 23	₹11,967
31 Oct 24	₹12,844

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	0.6%
3 Month	1.7%
6 Month	3.5%
1 Year	7.3%
3 Year	6.2%
5 Year	5.2%
10 Year
15 Year
Since launch	6.4%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	9.1%

Fund Manager information for Principal Cash Management Fund

Name	Since	Tenure
Dwijendra Srivastava	1 Jan 22	2.83 Yr.
Sandeep Agarwal	16 May 22	2.46 Yr.

Data below for Principal Cash Management Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	99.8%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	60.9%
Corporate	38.89%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	5%	₹318 Cr
Reverse Repo CBLO/Reverse Repo \| -	4%	₹300 Cr
182 DTB 18102024 Sovereign Bonds \| -	4%	₹300 Cr	30,000,000 ↑ 30,000,000
Reliance Retail Ventures Limited Commercial Paper \| -	2%	₹149 Cr	3,000
HDFC Bank Limited Certificate of Deposit \| -	2%	₹148 Cr	3,000
State Bank Of India Certificate of Deposit \| -	2%	₹148 Cr	3,000
Indian Bank Certificate of Deposit \| -	2%	₹124 Cr	2,500
Small Industries Development Bank Of India Commercial Paper \| -	2%	₹124 Cr	2,500
National Housing Bank Debentures \| -	1%	₹100 Cr	1,000 ↑ 1,000
L & T Finance Holdings Limited Commercial Paper \| -	1%	₹100 Cr	2,000

4. 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 16.1% since its launch. Ranked 12 in Multi Cap category. Return for 2023 was 31.1% , 2022 was -1.6% and 2021 was 46.3% .

Below is the key information for Principal Multi Cap Growth Fund

Principal Multi Cap Growth Fund Growth
Launch Date	25 Oct 00
NAV (22 Nov 24)	₹365.97 ↑ 6.09 (1.69 %)
Net Assets (Cr)	₹2,759 on 31 Oct 24
Category	Equity - Multi Cap
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.05
Sharpe Ratio	2
Information Ratio	-0.6
Alpha Ratio	0.88
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
31 Oct 19	₹10,000
31 Oct 20	₹9,964
31 Oct 21	₹16,741
31 Oct 22	₹17,324
31 Oct 23	₹19,239
31 Oct 24	₹26,598

Principal Multi Cap Growth 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 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	-2.4%
3 Month	-3.4%
6 Month	6.8%
1 Year	28%
3 Year	15.8%
5 Year	21%
10 Year
15 Year
Since launch	16.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	49.4%

Fund Manager information for Principal Multi Cap Growth Fund

Name	Since	Tenure
Ratish Varier	1 Jan 22	2.84 Yr.
Sudhir Kedia	1 Jan 22	2.84 Yr.

Data below for Principal Multi Cap Growth Fund as on 31 Oct 24

Equity Sector Allocation

Sector	Value
Financial Services	19.04%
Industrials	15.99%
Consumer Cyclical	15.74%
Technology	8.31%
Health Care	7.76%
Energy	7%
Basic Materials	6.72%
Communication Services	5.02%
Consumer Defensive	4.02%
Utility	2.97%
Real Estate	2.62%

Asset Allocation

Asset Class	Value
Cash	4.76%
Equity	95.23%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 05 \| RELIANCE	5%	₹133 Cr	449,586 ↓ -106,548
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 09 \| HDFCBANK	4%	₹129 Cr	746,575
NTPC Ltd (Utilities) Equity, Since 31 Mar 23 \| 532555	3%	₹87 Cr	1,955,077
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 23 \| LT	3%	₹85 Cr	230,571
Infosys Ltd (Technology) Equity, Since 30 Apr 08 \| INFY	3%	₹80 Cr	425,850
Brigade Enterprises Ltd (Real Estate) Equity, Since 31 Dec 20 \| 532929	3%	₹76 Cr	539,440
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 24 \| 532215	2%	₹71 Cr	577,823
Indian Bank (Financial Services) Equity, Since 31 Dec 23 \| 532814	2%	₹70 Cr	1,339,692
Blue Star Ltd (Industrials) Equity, Since 31 Jul 22 \| BLUESTARCO	2%	₹70 Cr	337,653
Lupin Ltd (Healthcare) Equity, Since 30 Apr 24 \| 500257	2%	₹68 Cr	311,373

5. 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
31 Oct 19	₹10,000
31 Oct 20	₹10,666
31 Oct 21	₹15,929

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
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014

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

6. 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 16.2% since its launch. Ranked 8 in ELSS category. Return for 2023 was 24.5% , 2022 was 4.3% and 2021 was 32.1% .

Below is the key information for Principal Tax Savings Fund

Principal Tax Savings Fund Growth
Launch Date	31 Mar 96
NAV (22 Nov 24)	₹483.516 ↑ 9.29 (1.96 %)
Net Assets (Cr)	₹1,351 on 31 Oct 24
Category	Equity - ELSS
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.26
Sharpe Ratio	1.79
Information Ratio	-0.48
Alpha Ratio	-0.27
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,092
31 Oct 21	₹16,270
31 Oct 22	₹16,978
31 Oct 23	₹18,415
31 Oct 24	₹24,132

Principal Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 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	-3.7%
6 Month	4.8%
1 Year	23.1%
3 Year	13.8%
5 Year	18.8%
10 Year
15 Year
Since launch	16.2%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	49.4%

Fund Manager information for Principal Tax Savings Fund

Name	Since	Tenure
Sudhir Kedia	29 Oct 19	5.01 Yr.
Rohit Seksaria	1 Jan 22	2.84 Yr.

Data below for Principal Tax Savings Fund as on 31 Oct 24

Equity Sector Allocation

Sector	Value
Financial Services	32.06%
Industrials	13.88%
Consumer Cyclical	9.98%
Health Care	7.87%
Consumer Defensive	7.78%
Technology	7.46%
Energy	6.39%
Communication Services	6.17%
Basic Materials	3.67%
Utility	0.69%
Real Estate	0.5%

Asset Allocation

Asset Class	Value
Cash	3.5%
Equity	96.5%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 09 \| HDFCBANK	7%	₹105 Cr	606,077
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	7%	₹94 Cr	737,000 ↑ 76,000
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 21 \| RELIANCE	5%	₹71 Cr	239,000 ↓ -21,000
Infosys Ltd (Technology) Equity, Since 31 Jan 09 \| INFY	4%	₹57 Cr	306,000 ↓ -7,000
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Aug 15 \| SUNPHARMA	3%	₹39 Cr	200,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 17 \| 532215	3%	₹38 Cr	311,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services) Equity, Since 30 Nov 21 \| 890157	3%	₹37 Cr	283,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 13 \| LT	2%	₹35 Cr	96,021
State Bank of India (Financial Services) Equity, Since 30 Apr 05 \| SBIN	2%	₹35 Cr	444,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Oct 22 \| INDIGO	2%	₹30 Cr	63,000

7. 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
31 Oct 19	₹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
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014

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

8. Principal Dividend Yield Fund

The investment objective of the scheme would be to provide capital appreciation and/or dividend distribution by investing predominantly in a well-diversified portfolio of companies that have a relatively high dividend yield.

Principal Dividend Yield Fund is a Equity - Dividend Yield fund was launched on 15 Oct 04. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 13.9% since its launch. Ranked 37 in Dividend Yield category. Return for 2023 was 34% , 2022 was 1.3% and 2021 was 32.5% .

Below is the key information for Principal Dividend Yield Fund

Principal Dividend Yield Fund Growth
Launch Date	15 Oct 04
NAV (22 Nov 24)	₹135.704 ↑ 2.42 (1.82 %)
Net Assets (Cr)	₹933 on 31 Oct 24
Category	Equity - Dividend Yield
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.4
Sharpe Ratio	1.93
Information Ratio	0.42
Alpha Ratio	1.11
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,268
31 Oct 21	₹15,730
31 Oct 22	₹16,220
31 Oct 23	₹18,364
31 Oct 24	₹25,407

Principal Dividend Yield Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 Invest Now

Returns for Principal Dividend Yield 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%
3 Month	-4.9%
6 Month	4.5%
1 Year	28.6%
3 Year	17.2%
5 Year	20.3%
10 Year
15 Year
Since launch	13.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	34%
2022	1.3%
2021	32.5%
2020	20.2%
2019	4.4%
2018	-5.2%
2017	46.6%
2016	7.2%
2015	-3.4%
2014	44.9%

Fund Manager information for Principal Dividend Yield Fund

Name	Since	Tenure
Ratish Varier	1 Jan 22	2.84 Yr.
Ashish Aggarwal	1 Jan 22	2.84 Yr.

Data below for Principal Dividend Yield Fund as on 31 Oct 24

Equity Sector Allocation

Sector	Value
Financial Services	18.58%
Utility	12.41%
Industrials	11.82%
Technology	11.54%
Consumer Defensive	9.41%
Energy	8.92%
Consumer Cyclical	8.73%
Health Care	6.57%
Basic Materials	4.57%
Communication Services	2.16%

Asset Allocation

Asset Class	Value
Cash	5.69%
Equity	94.31%
Other	0.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Aug 13 \| HDFCBANK	5%	₹53 Cr	305,000 ↑ 30,000
NTPC Ltd (Utilities) Equity, Since 30 Apr 18 \| 532555	4%	₹41 Cr	925,000 ↓ -175,000
Infosys Ltd (Technology) Equity, Since 31 Jul 15 \| INFY	4%	₹40 Cr	215,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	3%	₹33 Cr	258,000
Sundaram Liquid Dir Gr Investment Fund \| -	3%	₹30 Cr	135,754 ↑ 135,754
Reliance Industries Ltd (Energy) Equity, Since 29 Feb 12 \| RELIANCE	3%	₹26 Cr	89,000 ↓ -4,000
Tata Consultancy Services Ltd (Technology) Equity, Since 31 Mar 18 \| TCS	3%	₹26 Cr	60,000 ↓ -5,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 22 \| 532898	2%	₹24 Cr	675,000
ITC Ltd (Consumer Defensive) Equity, Since 30 Nov 09 \| ITC	2%	₹24 Cr	455,000
Hindustan Unilever Ltd (Consumer Defensive) Equity, Since 30 Sep 14 \| HINDUNILVR	2%	₹22 Cr	75,000

9. 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 15.7% since its launch. Ranked 36 in Focused category. Return for 2023 was 24.4% , 2022 was -0.3% and 2021 was 33.7% .

Below is the key information for Principal Focused Multicap Fund

Principal Focused Multicap Fund Growth
Launch Date	11 Nov 05
NAV (22 Nov 24)	₹159.207 ↑ 2.63 (1.68 %)
Net Assets (Cr)	₹1,105 on 31 Oct 24
Category	Equity - Focused
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	2.31
Sharpe Ratio	1.97
Information Ratio	-0.71
Alpha Ratio	2.19
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
31 Oct 19	₹10,000
31 Oct 20	₹10,146
31 Oct 21	₹16,514
31 Oct 22	₹16,670
31 Oct 23	₹17,964
31 Oct 24	₹23,946

Principal Focused Multicap Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹481,656.
Net Profit of ₹181,656 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	-2.3%
3 Month	-3.4%
6 Month	6.5%
1 Year	25.6%
3 Year	13%
5 Year	18.8%
10 Year
15 Year
Since launch	15.7%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	43.4%

Fund Manager information for Principal Focused Multicap Fund

Name	Since	Tenure
S. Bharath	1 Jul 24	0.34 Yr.
Ashwin Jain	21 Oct 24	0.03 Yr.

Data below for Principal Focused Multicap Fund as on 31 Oct 24

Equity Sector Allocation

Sector	Value
Financial Services	29.13%
Industrials	19.77%
Communication Services	10.5%
Health Care	8.28%
Energy	7.42%
Technology	6.29%
Consumer Cyclical	6.21%
Consumer Defensive	5%
Basic Materials	3.5%

Asset Allocation

Asset Class	Value
Cash	3.91%
Equity	96.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 23 \| HDFCBANK	8%	₹95 Cr	550,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	6%	₹72 Cr	562,000
Reliance Industries Ltd (Energy) Equity, Since 30 Nov 05 \| RELIANCE	6%	₹65 Cr	220,000 ↓ -20,000
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 24 \| BHARTIARTL	5%	₹59 Cr	345,000
Zomato Ltd (Consumer Cyclical) Equity, Since 30 Sep 23 \| 543320	5%	₹58 Cr	2,114,000 ↓ -84,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Oct 20 \| LT	5%	₹56 Cr	152,535
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	5%	₹53 Cr	671,000
Grasim Industries Ltd (Basic Materials) Equity, Since 30 Jun 24 \| GRASIM	4%	₹41 Cr	147,000
Bharat Electronics Ltd (Industrials) Equity, Since 31 Oct 20 \| BEL	3%	₹39 Cr	1,378,000 ↓ -82,000
Infosys Ltd (Technology) Equity, Since 30 Nov 05 \| INFY	3%	₹38 Cr	204,000 ↓ -19,000

10. 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 2023 was 6.9% , 2022 was 3.5% and 2021 was 3.2% .

Below is the key information for Principal Short Term Debt Fund

Principal Short Term Debt Fund Growth
Launch Date	9 May 03
NAV (22 Nov 24)	₹42.1136 ↓ -0.01 (-0.02 %)
Net Assets (Cr)	₹223 on 31 Oct 24
Category	Debt - Short term Bond
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.84
Sharpe Ratio	1.49
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	NIL
Yield to Maturity	7.39%
Effective Maturity	3 Years 9 Months 11 Days
Modified Duration	2 Years 9 Months 14 Days

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹10,977
31 Oct 21	₹11,354
31 Oct 22	₹11,717
31 Oct 23	₹12,489
31 Oct 24	₹13,525

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	0.5%
3 Month	2%
6 Month	4.1%
1 Year	8.1%
3 Year	6%
5 Year	6.2%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2014	9.9%

Fund Manager information for Principal Short Term Debt Fund

Name	Since	Tenure
Dwijendra Srivastava	1 Jan 22	2.84 Yr.
Sandeep Agarwal	1 Jan 22	2.84 Yr.

Data below for Principal Short Term Debt Fund as on 31 Oct 24

Asset Allocation

Asset Class	Value
Cash	17.88%
Debt	81.88%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	48.97%
Government	41.57%
Cash Equivalent	9.22%

Credit Quality

Rating	Value
AA	8.28%
AAA	91.72%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.10%Goi 08/04/2034 Sovereign Bonds \| -	16%	₹37 Cr	3,600,000 ↑ 1,400,000
07.37 Goi 2028 Sovereign Bonds \| -	7%	₹15 Cr	1,500,000
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 Ltd. 8.15% Debentures \| -	4%	₹10 Cr	1,000 ↑ 1,000
Small Industries Development Bank Of India Debentures \| -	4%	₹10 Cr	100
Bharti Telecom Limited Debentures \| -	3%	₹7 Cr	700
07.18 Goi 24072037 Sovereign Bonds \| -	2%	₹5 Cr	500,000 ↑ 500,000
7.44% Tamil Nadu State Government Securities -20/03/2034 Sovereign Bonds \| -	2%	₹5 Cr	500,000

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