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Principal Personal Tax Saver - Direct Plan

  • Regular
  • Direct
Category : ELSS
  • NAV
    : ₹ 256.87 -0.28%
    (as on 09th April, 2021)
Invest Now
Crisil Rank
Average performance among peers
Risk-O-Meter
Moderately High

Fund has 98.82% investment in indian stocks of which 69.12% is in large cap stocks, 10.63% is in mid cap stocks, 5.01% in small cap stocks.Fund has 0.01% investment in Debt of which 0.01% 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.

Crisil Rank Change : Fund Crisil rank was updated from 2 to 3 in the previous quarter.

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Returns (NAV as on 09th April, 2021)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 01-Apr-21 9956.20 -0.44% - 0.59% 56/62
1 Month 09-Mar-21 9754.70 -2.45% - -0.34% 56/63
3 Month 08-Jan-21 10328.10 3.28% - 6.33% 52/63
6 Month 09-Oct-20 12784.10 27.84% - 30.98% 41/63
YTD 01-Jan-21 10648.30 6.48% - 10.50% 53/63
1 Year 09-Apr-20 16443.90 64.44% 64.44% 69.59% 42/63
2 Year 09-Apr-19 12605.90 26.06% 12.26% 15.79% 38/61
3 Year 09-Apr-18 12519.90 25.20% 7.77% 9.78% 42/57
5 Year 08-Apr-16 17968.00 79.68% 12.42% 15.71% 39/42
Since Inception 02-Jan-13 25048.30 150.48% 11.74% 14.07% 44/57

SIP Returns (NAV as on 09th April, 2021)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 09-Apr-20 12000 15358.51 27.99 % 55.66 %
2 Year 09-Apr-19 24000 31130.69 29.71 % 27.21 %
3 Year 09-Apr-18 36000 46664.75 29.62 % 17.59 %
5 Year 08-Apr-16 60000 81081.48 35.14 % 11.99 %
 

Tax Treatment

Portfolio (Updated on 31st Mar,2021)

Equity Holding : 98.82% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 98.82%
No of Stocks : 60 (Category Avg - 47.51) | Large Cap Investments : 69.12%| Mid Cap Investments : 10.63% | Small Cap Investments : 5.01% | Other : 14.06%

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 259.8 8.96% 0.00% 10.21% (Jan 2021) 4.32% (Jul 2020) 4.46 L -0.27 L
# HDFC Bank Ltd. Banks 213.7 7.37% 0.00% 9.22% (Nov 2020) 6.84% (May 2020) 1.43 L 0.00
# Infosys Ltd. Computers - software 143.5 4.95% 0.00% 5.32% (Jul 2020) 4.27% (Jun 2020) 1.05 L 0.00
# State Bank Of India Banks 113.2 3.91% 0.00% 4.12% (Feb 2021) 1.88% (Sep 2020) 3.11 L 0.00
# Reliance Industries Ltd. Refineries/marketing 112.6 3.89% 0.00% 8.31% (Jun 2020) 3.93% (Jan 2021) 56.23 k -2.84 k
# Maruti Suzuki India Ltd. Passenger/utility vehicles 95.5 3.29% 0.00% 2.76% (Feb 2021) 1.13% (Aug 2020) 13.92 k 2.12 k
# Axis Bank Ltd. Banks 91.6 3.16% 0.00% 3.34% (Jan 2021) 1.42% (Jul 2020) 1.31 L 0.00
# Bharti Airtel Ltd. Telecom - services 89.3 3.08% 0.00% 3.45% (Jan 2021) 2.1% (Mar 2020) 1.73 L 0.00
# Tata Consultancy Services Ltd. Computers - software 85.6 2.95% 0.00% 4.02% (Sep 2020) 2.65% (Feb 2021) 26.94 k 0.00
# Kotak Mahindra Bank Ltd. Banks 85.1 2.94% 0.00% 4.13% (Apr 2020) 2.59% (Feb 2021) 48.55 k 5.83 k
- 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 0.01% 0.00%
NCD & Bonds 0.00% 0.01%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 0.01% 0.00%
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 (%)
Net Receivables Net Receivables 1.12%
TREPS TREPS 0.05%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st March, 2021)

  • Standard Deviation

    High volatility
    20.88vs18.89
    Category Avg
  • Beta

    High volatility
    0.96vs0.85
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.33vs0.37
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.07vs0.08
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -2.94vs-0.64
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Quant Tax Plan - Direct Plan - Growth 5 106.05 8.39 16.17 45.85 122.31 24.22
IDFC Tax Advantage (ELSS) Fund - Direct Plan - Growth 3 2988.35 1.81 13.68 41.62 96.21 11.25
Mirae Asset Tax Saver Fund - Direct Plan - Growth 5 6934.49 -0.96 7.79 31.61 79.02 18.45
DSP Tax Saver Fund - Direct Plan - Growth 3 8056.26 0.32 7.53 34.11 70.64 13.95
JM Tax Gain Fund - (Direct) - Growth 4 52.53 -1.27 3.94 32.30 70.19 13.13
ITI Long Term Equity Fund - Direct Plan - Growth NA 75.51 -0.05 7.55 29.94 69.30 0.00
PGIM India Long Term Equity Fund - Direct Plan - Growth 4 352.90 -0.59 5.78 31.50 68.85 12.38
Franklin India Taxshield Fund - Direct - Growth 2 4375.42 -2.72 5.66 35.35 68.75 9.76
BOI AXA Tax Advantage Fund - Direct Plan - Growth 5 417.39 1.38 6.84 30.76 68.52 13.42
Quantum Tax Saving Fund - Direct Plan - Growth 2 89.11 -0.03 5.08 29.26 68.40 9.25

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 * , 2 is/are ranked 3 * , 3 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 2529.95 0.22 6.52 32.88 70.95 11.56
Principal Hybrid Equity Fund - Direct Plan - Growth 3 1068.01 -0.63 3.66 21.93 48.30 9.24
Principal Multi Cap Growth Fund - Direct Plan - Growth 2 714.87 -0.27 6.66 29.18 64.44 8.91
Principal Focused Multicap Fund - Direct Plan - Growth 4 522.70 -1.52 5.86 31.21 58.12 15.31
Principal Tax Saving Fund - Direct Plan 2 503.43 -2.38 3.31 27.81 63.91 8.03
Principal Large Cap Fund - Direct Plan - Growth NA 400.44 -0.40 3.59 0.00 0.00 0.00
Principal Midcap Fund - Direct Plan - Growth NA 349.72 -0.14 7.01 35.79 75.84 0.00
Principal Small Cap Fund - Direct Plan - Growth NA 308.86 3.73 12.32 41.93 102.94 0.00
Principal Personal Tax Saver - Direct Plan 3 289.85 -2.45 3.28 27.84 64.44 7.77
Principal Dividend Yield Fund - Direct Plan - Growth NA 199.44 2.27 7.76 30.11 62.10 12.45

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