Principal Dividend Yield Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Dividend Yield Fund

Fund House : PRINCIPAL Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 63.7 0.55%
(as on 27th November, 2020)

Crisil Rank

Not Ranked

Rank not available for the fund

Fund Size

: ₹ 165.91 Cr

(4.04% of Investment in Category)

Expense Ratio

: 2.06%

(1.72% Category average)

Risk-O-Meter

Moderately High

Dividend Yield Fund :Dividend Yield Fund : Fund has 98.7% investment in indian stocks of which 66.58% is in large cap stocks, 10.76% is in mid cap stocks, 12.76% in small cap stocks.Fund has 0.06% investment in Debt of which 0.06% in Government securities.

Suitable For : Investors who have advanced knowledge of macro trends and prefer to take selective bets for higher returns compared to other Equity funds. At the same time, these investors should also be ready for possibility of moderate to high losses in their investments even though overall market is performing better.

Axis Focused 25 Fund - Direct Plan (G)

3Y Return: 16.70%

5Y Return: 16.41%

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Benchmark
Nifty Dividend Opportunities 50 TRI

8.54%

7.41%

29.59%

7.09%

5.43%

9.81%

17.4%
NA
8.93%

7.94%

35.06%

12.63%

7.79%

9.04%

10.89%

NA
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VIP (Value Avg)

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Returns (NAV as on 27th November, 2020)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	20-Nov-20	10177.30	1.77%	-	2.42%	5/6
1 Month	27-Oct-20	10900.10	9.00%	-	8.93%	3/6
3 Month	27-Aug-20	10939.40	9.39%	-	7.94%	2/6
6 Month	27-May-20	13343.10	33.43%	-	35.06%	5/6
YTD	01-Jan-20	11314.40	13.14%	-	11.58%	2/6
1 Year	27-Nov-19	11312.40	13.12%	13.09%	12.63%	3/6
2 Year	27-Nov-18	12082.70	20.83%	9.91%	7.79%	1/5
3 Year	27-Nov-17	11798.50	17.98%	5.66%	2.82%	2/5
5 Year	27-Nov-15	17969.00	79.69%	12.42%	9.04%	1/5
Since Inception	02-Jan-13	23866.60	138.67%	11.63%	10.89%	2/6

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 27th November, 2020)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	27-Nov-19	12000	14307.66	19.23 %	37.15 %
2 Year	27-Nov-18	24000	28617.31	19.24 %	17.85 %
3 Year	27-Nov-17	36000	42733.56	18.7 %	11.43 %
5 Year	27-Nov-15	60000	81586.83	35.98 %	12.22 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Portfolio (Updated on 31st Oct,2020)

Portfolio Turnover Ratio : 13.00% | Category average turnover ratio is 37.30%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 98.70% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 98.70%

No of Stocks : 48 (Category Avg - 47.17) | Large Cap Investments : 66.58%| Mid Cap Investments : 10.76% | Small Cap Investments : 12.76% | Other : 8.6%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Tata Consultancy Services Ltd.	Computers - software	124.5	7.50%	0.57%	7.5% (Oct 2020)	4.95% (Nov 2019)	46.71 k	0.00
Reliance Industries Ltd.	Refineries/marketing	118.5	7.14%	-0.54%	7.68% (Sep 2020)	4.49% (Jan 2020)	57.69 k	0.00
Infosys Ltd.	Computers - software	114.6	6.90%	0.42%	6.9% (Oct 2020)	3.88% (Nov 2019)	1.08 L	0.00
Hindustan Unilever Ltd.	Diversified	81.8	4.93%	-1.69%	12.47% (Mar 2020)	4.93% (Oct 2020)	39.50 k	-0.14 L
Ultratech Cement Ltd.	Cement	76.8	4.63%	0.58%	4.63% (Oct 2020)	3.7% (Nov 2019)	16.80 k	0.00
ITC Limited	Cigarettes	67	4.04%	-0.11%	5.65% (Nov 2019)	4.04% (Oct 2020)	4.05 L	0.00
ICICI Bank Ltd.	Banks	66.4	4.00%	0.43%	5.29% (Dec 2019)	3.57% (Sep 2020)	1.69 L	0.00
HDFC Bank Ltd.	Banks	63.7	3.84%	0.38%	3.84% (Oct 2020)	3.29% (Jul 2020)	53.80 k	0.00
Navin Flourine International Ltd.	Chemicals - inorganic	62.9	3.79%	-0.09%	3.88% (Sep 2020)	1.93% (Nov 2019)	28.06 k	-1.50 k
Bajaj Auto Ltd.	Motor cycles/scooters	57.2	3.45%	0.05%	3.54% (May 2020)	2.92% (Mar 2020)	19.80 k	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 1 (Category Avg - 0.17) | Modified Duration 0.00 Years (Category Avg - 0.55)| Yield to Maturity - -- (Category Avg - 0.00%)

Type of Holdings

Security Type	% Weight	Category Average
T-Bills	0.06%	0.01%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	0.06%	0.01%
Low Risk	0.00%	0.00%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	1.44%
Net Receivables	Net Receivables	-0.20%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 29th October, 2020)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

17.89vs14.19

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

0.93vs0.71

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.02vs-0.16

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

1.65vs-1.41

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
IDBI Dividend Yield Fund - Direct Plan - Growth	NA	82.89	7.20	7.82	34.58	18.30	0.00
Templeton India Equity Income Fund - Direct - Growth	NA	808.19	9.38	11.32	41.00	14.50	4.14
Aditya Birla Sun Life Dividend Yield Fund - Direct Plan - Growth	1	663.48	8.41	5.93	34.50	12.36	0.37
UTI Dividend Yield Fund - Direct Plan - Growth	1	2234.49	7.12	6.07	31.04	11.16	5.85
ICICI Prudential Dividend Yield Equity Fund - Direct Plan - Growth	NA	153.49	12.44	7.13	35.83	6.39	-1.93
HDFC Dividend Yield Fund - Direct Plan - Growth	NA	0.00	0.00	0.00	0.00	0.00	0.00

Detailed Comparison

More Funds from PRINCIPAL Mutual Fund

Out of 22 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 2 is/are ranked 4 * , 3 is/are ranked 3 * , 2 is/are ranked 2 * , 1 is/are ranked 1 * , and 13 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Principal Emerging Bluechip Fund - Direct Plan - Growth	4	2119.85	11.00	12.02	42.07	17.39	5.37
Principal Hybrid Equity Fund - Direct Plan - Growth	3	1033.38	7.58	9.69	29.92	10.84	5.01
Principal Multi Cap Growth Fund - Direct Plan - Growth	3	645.97	9.27	11.13	38.35	9.22	2.37
Principal Tax Saving Fund - Direct Plan	2	408.19	9.54	11.07	39.29	11.36	2.24
Principal Focused Multicap Fund - Direct Plan - Growth	4	399.62	11.47	11.80	34.65	13.36	8.66
Principal Midcap Fund - Direct Plan - Growth	NA	265.51	10.82	11.76	41.08	0.00	0.00
Principal Personal Tax Saver - Direct Plan	3	241.02	9.61	11.20	39.90	10.94	1.91
Principal Small Cap Fund - Direct Plan - Growth	NA	211.14	10.98	11.07	55.47	32.29	0.00
Principal Cash Management Fund - Direct Plan - Growth	1	197.65	0.27	0.79	1.63	4.04	2.83
Principal Large Cap Fund - Direct Plan - Growth	NA	186.33	8.96	0.00	0.00	0.00	0.00