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Principal Personal Tax Saver

  • Regular
  • Direct
Category : ELSS
  • NAV
    : ₹ 177.63 -0.33%
    (as on 10th July, 2020)
Crisil Rank
Average performance among peers
Risk-O-Meter
Moderately High

Fund has 98.12% investment in indian stocks of which 69.57% is in large cap stocks, 17.02% is in mid cap stocks, 4.19% in small cap stocks.Fund has 0.09% investment in Debt of which 0.09% 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 10th July, 2020)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 03-Jul-20 10177.00 1.77% - 1.38% 21/67
1 Month 10-Jun-20 10692.90 6.93% - 5.99% 18/67
3 Month 09-Apr-20 11827.00 18.27% - 16.33% 20/67
6 Month 10-Jan-20 9070.60 -9.29% - -11.28% 19/67
YTD 01-Jan-20 9119.50 -8.80% - -10.06% 23/67
1 Year 10-Jul-19 9342.60 -6.57% -6.56% -5.95% 36/65
2 Year 10-Jul-18 9179.80 -8.20% -4.18% -4.24% 36/62
3 Year 10-Jul-17 9440.90 -5.59% -1.90% -0.71% 37/53
5 Year 10-Jul-15 11609.00 16.09% 3.03% 5.12% 32/39
10 Year 09-Jul-10 18686.10 86.86% 6.44% 8.92% 28/29
Since Inception 31-Mar-96 526197.80 5161.98% 17.72% 6.26% 5/63

SIP Returns (NAV as on 10th July, 2020)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 10-Jul-19 12000 12046.4 0.39 % 0.72 %
2 Year 10-Jul-18 24000 23219.58 -3.25 % -3.14 %
3 Year 10-Jul-17 36000 34021.53 -5.5 % -3.63 %
5 Year 10-Jul-15 60000 61231.95 2.05 % 0.8 %
10 Year 09-Jul-10 120000 165799.93 38.17 % 6.29 %
 

Tax Treatment

Portfolio (Updated on 31st May,2020)

Portfolio Turnover Ratio : 79.00%  |   Category average turnover ratio is 65.20%  
Fund manager updated portfolio more frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for shorter duration than peers)
Equity Holding : 98.12% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 98.12%
No of Stocks : 65 (Category Avg - 45.75) | Large Cap Investments : 69.57%| Mid Cap Investments : 17.02% | Small Cap Investments : 4.19% | Other : 7.34%

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
Reliance Industries Ltd. Refineries/marketing 158.5 7.81% -0.30% 8.11% (Apr 2020) 4.16% (Jul 2019) 1.08 L -6.65 k
HDFC Bank Ltd. Banks 138.9 6.84% -1.00% 8.09% (Dec 2019) 5.47% (Jul 2019) 1.46 L -0.17 L
ICICI Bank Ltd. Banks 115.7 5.70% -0.65% 7.03% (Dec 2019) 5.48% (Jun 2019) 3.49 L 1.44 k
Infosys Ltd. Computers - software 87.4 4.31% -0.05% 4.47% (Jan 2020) 2.59% (Jun 2019) 1.26 L 0.00
Larsen & Toubro Ltd. Engineering, designing, construction 83.5 4.12% 0.25% 4.45% (Feb 2020) 2.93% (Aug 2019) 89.61 k 0.00
Tata Consultancy Services Ltd. Computers - software 63.1 3.11% 0.01% 4.06% (Aug 2019) 3.1% (Jan 2020) 31.99 k 0.00
Housing Development Finance Corporation Ltd. Housing finance 61.2 3.01% -0.60% 3.72% (Jan 2020) 2.34% (Sep 2019) 36.87 k -2.31 k
Kotak Mahindra Bank Ltd. Banks 60.9 3.00% -1.13% 4.13% (Apr 2020) 3% (May 2020) 49.77 k -0.13 L
ITC Limited Cigarettes 58.1 2.86% 0.48% 3.56% (Oct 2019) 2.38% (Apr 2020) 2.94 L 22.42 k
United Spirits Ltd. Brew/distilleries 57.5 2.83% 0.65% 2.83% (May 2020) 0% (Jun 2019) 96.75 k 12.38 k
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 1 (Category Avg - 0.11) | Modified Duration 0.00 Years (Category Avg - 2.15)| Yield to Maturity - -- (Category Avg - 0.00%)

Type of Holdings

Security Type
% Weight
Category Average
T-Bills 0.09% 0.01%
CP 0.00% 0.01%
NCD & Bonds 0.00% 0.01%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 0.09% 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 2.05%
Net Receivables Net Receivables -0.26%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th June, 2020)

  • Standard Deviation

    High volatility
    20.05vs15.07
    Category Avg
  • Beta

    High volatility
    0.97vs0.71
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    -0.21vs-0.16
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    -0.04vs-0.04
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -4.29vs-2.05
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
BOI AXA Tax Advantage Fund - Regular Plan - Growth 5 261.59 5.85 10.76 -3.88 8.17 4.58
Shriram Long Term Equity Fund - Growth NA 23.25 6.30 13.15 -5.37 2.31 0.00
Quant Tax Plan - Growth NA 9.24 8.22 21.82 -1.01 0.57 2.68
Aditya Birla Sun Life Tax Relief 96 - Regular Plan - Growth 4 9176.96 5.28 14.58 -7.33 0.47 2.60
BNP Paribas Long Term Equity Fund - Growth 4 398.83 5.15 13.44 -8.57 0.46 2.14
Canara Robeco Equity Tax Saver - Regular Plan - Growth 5 992.26 5.76 11.78 -5.11 0.20 5.75
Union Long Term Equity Fund - Growth 3 227.76 6.38 16.67 -7.55 -0.08 2.37
Axis Long Term Equity Fund - Growth 5 20291.65 4.01 10.11 -10.16 -0.30 6.12
Aditya Birla Sun Life Tax Plan - Regular Plan - Growth 4 472.81 5.31 14.53 -8.12 -0.64 1.84
Mirae Asset Tax Saver Fund - Regular Plan - Growth 3 3141.47 7.60 19.48 -9.67 -0.76 5.35

More Funds from PRINCIPAL Mutual Fund

Out of 28 mutual fund schemes offered by this AMC, 1 is/are ranked 4 * , 7 is/are ranked 3 * , 6 is/are ranked 2 * , 2 is/are ranked 1 * , and 12 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Principal Emerging Bluechip Fund - Growth 3 1782.50 5.22 14.73 -9.35 -1.35 0.73
Principal Hybrid Equity Fund - Growth 3 1051.57 5.76 12.41 -5.97 -2.93 2.24
Principal Multi Cap Growth Fund - Growth 3 565.08 6.69 15.38 -11.19 -7.07 -0.75
Principal Tax Saving Fund 2 338.72 6.85 18.09 -8.79 -5.89 -0.56
Principal Focused Multicap Fund - Growth 4 322.40 6.33 13.00 -6.59 3.05 4.40
Principal Midcap Fund - Regular Plan - Growth NA 217.00 5.63 16.81 -7.40 0.00 0.00
Principal Personal Tax Saver 3 202.89 6.93 18.27 -9.29 -6.56 -1.90
Principal Dividend Yield Fund - Growth 3 151.48 4.64 14.26 -6.40 0.74 3.46
Principal Small Cap Fund - Regular Plan - Growth NA 151.00 8.80 21.44 -3.89 2.11 0.00
Principal Cash Management Fund - Growth 1 145.87 0.26 0.92 2.15 4.91 3.20

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