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Principal Personal Tax Saver - Direct Plan

  • Regular
  • Direct
Category : ELSS
  • NAV
    : ₹ 249.75 -1.1%
    (as on 15th January, 2021)
Crisil Rank
Average performance among peers
Risk-O-Meter
Moderately High

Fund has 99.96% investment in indian stocks of which 67.28% is in large cap stocks, 14.81% is in mid cap stocks, 2.95% in small cap stocks.Fund has 0.03% investment in Debt of which 0.03% in Government securities.

Suitable For : Investors who are looking to invest money for at least 3 years and looking for additional benefits of income tax saving apart from higher returns expectations. At the same time, these investors should also be ready for possibility of moderate losses in their investments and 3 year lock-in period.

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Returns (NAV as on 15th January, 2021)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 08-Jan-21 10041.80 0.42% - -0.10% 20/63
1 Month 15-Dec-20 10690.90 6.91% - 6.56% 21/63
3 Month 15-Oct-20 12724.20 27.24% - 25.42% 21/63
6 Month 15-Jul-20 13780.10 37.80% - 38.40% 29/63
YTD 01-Jan-21 10353.20 3.53% - 3.81% 34/63
1 Year 15-Jan-20 12108.50 21.08% 21.02% 19.89% 23/63
2 Year 15-Jan-19 12688.00 26.88% 12.62% 14.75% 39/60
3 Year 15-Jan-18 11268.30 12.68% 4.06% 5.74% 39/51
5 Year 15-Jan-16 17482.20 74.82% 11.81% 14.78% 36/39
Since Inception 02-Jan-13 24354.00 143.54% 11.71% 13.27% 42/57

SIP Returns (NAV as on 15th January, 2021)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 15-Jan-20 12000 16103.36 34.19 % 68.41 %
2 Year 15-Jan-19 24000 31483.63 31.18 % 28.4 %
3 Year 15-Jan-18 36000 46267.86 28.52 % 16.94 %
5 Year 15-Jan-16 60000 81518.18 35.86 % 12.19 %
 

Tax Treatment

Portfolio (Updated on 31st Dec,2020)

Equity Holding : 99.96% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 99.96%
No of Stocks : 60 (Category Avg - 46.66) | Large Cap Investments : 67.28%| Mid Cap Investments : 14.81% | Small Cap Investments : 2.95% | Other : 14.92%

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
ICICI Bank Ltd. Banks 281.7 9.94% 0.60% 9.94% (Dec 2020) 4.32% (Jul 2020) 5.26 L 0.00
HDFC Bank Ltd. Banks 240.8 8.49% -0.73% 9.22% (Nov 2020) 6.84% (May 2020) 1.68 L -3.00 k
Infosys Ltd. Computers - software 131.7 4.65% 0.32% 5.32% (Jul 2020) 3.87% (Feb 2020) 1.05 L 0.00
Reliance Industries Ltd. Refineries/marketing 117.3 4.14% -0.13% 8.31% (Jun 2020) 4.14% (Dec 2020) 59.07 k 0.00
Larsen & Toubro Ltd. Engineering, designing, construction 109.2 3.85% 0.08% 4.45% (Feb 2020) 3.44% (Sep 2020) 84.81 k -4.80 k
Kotak Mahindra Bank Ltd. Banks 101.1 3.56% -0.06% 4.13% (Apr 2020) 2.92% (Aug 2020) 50.64 k 0.00
State Bank Of India Banks 100.6 3.55% 0.02% 3.55% (Dec 2020) 1.88% (Sep 2020) 3.66 L -0.19 L
Tata Consultancy Services Ltd. Computers - software 91.9 3.24% -0.28% 4.02% (Sep 2020) 3.05% (Jun 2020) 32.10 k -2.99 k
Bharti Airtel Ltd. Telecom - services 88 3.10% 0.10% 3.1% (Dec 2020) 1.7% (Jan 2020) 1.73 L 0.00
Axis Bank Ltd. Banks 86.6 3.05% -0.10% 3.15% (Nov 2020) 1.42% (Jun 2020) 1.40 L 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 1 (Category Avg - 0.09) | Modified Duration 0.00 Years (Category Avg - 1.96)| Yield to Maturity - -- (Category Avg - 0.00%)

Type of Holdings

Security Type
% Weight
Category Average
T-Bills 0.03% 0.01%
NCD & Bonds 0.00% 0.01%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 0.03% 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%
Name Type of Instrument Weight (%)
TREPS TREPS 0.38%
Net Receivables Net Receivables -0.37%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st December, 2020)

  • Standard Deviation

    High volatility
    20.53vs18.31
    Category Avg
  • Beta

    High volatility
    0.96vs0.84
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.09vs0.11
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.02vs0.02
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -4.64vs-2.02
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Quant Tax Plan - Direct Plan - Growth NA 34.59 12.44 32.72 58.27 57.83 16.39
BOI AXA Tax Advantage Fund - Direct Plan - Growth 5 375.60 6.69 22.14 42.36 34.18 8.90
Canara Robeco Equity Tax Saver - Direct Plan - Growth 5 1475.66 8.33 22.75 40.53 31.40 15.29
Parag Parikh Tax Saver Fund - Direct Plan - Growth NA 101.10 6.48 15.18 33.83 31.39 0.00
Mirae Asset Tax Saver Fund - Direct Plan - Growth 5 5489.29 7.50 26.26 41.98 25.70 13.07
IDFC Tax Advantage (ELSS) Fund - Direct Plan - Growth 3 2680.35 8.46 29.79 45.41 23.63 5.26
UTI Long Term Equity Fund (Tax Saving) - Direct Plan - Growth 3 1661.31 7.92 29.47 41.08 23.57 9.60
Union Long Term Equity Fund - Direct Plan - Growth 4 318.25 6.79 22.61 36.37 23.26 9.00
Invesco India Tax Plan - Direct Plan - Growth 4 1385.53 7.39 22.33 35.02 21.77 10.62
Principal Tax Saving Fund - Direct Plan 2 485.07 6.92 27.15 37.48 21.52 4.08

More Funds from PRINCIPAL Mutual Fund

Out of 19 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 10 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 2418.04 5.98 24.83 39.19 23.96 6.42
Principal Hybrid Equity Fund - Direct Plan - Growth 3 1102.37 5.26 18.84 27.75 18.72 6.46
Principal Multi Cap Growth Fund - Direct Plan - Growth 3 696.93 6.73 22.17 34.50 17.07 3.50
Principal Tax Saving Fund - Direct Plan 2 485.07 6.92 27.15 37.48 21.52 4.08
Principal Focused Multicap Fund - Direct Plan - Growth 4 482.94 6.58 25.10 33.65 22.43 11.07
Principal Midcap Fund - Direct Plan - Growth NA 329.59 7.56 27.71 40.45 26.39 0.00
Principal Large Cap Fund - Direct Plan - Growth NA 301.58 5.79 20.60 0.00 0.00 0.00
Principal Personal Tax Saver - Direct Plan 3 283.53 6.91 27.24 37.80 21.02 4.06
Principal Small Cap Fund - Direct Plan - Growth NA 265.78 7.37 26.02 47.47 38.32 0.00
Principal Cash Management Fund - Direct Plan - Growth 1 210.18 0.25 0.74 1.56 3.76 2.66

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