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Principal Personal Tax Saver

  • Regular
  • Direct
Category : ELSS
  • NAV
    : ₹ 268.91 -0.25%
    (as on 23rd June, 2021)
Invest Now
Crisil Rank
Average performance among peers
Risk-O-Meter
Moderately High

Fund has 99.39% investment in indian stocks of which 65.92% is in large cap stocks, 10.98% is in mid cap stocks, 5.94% in small cap stocks.Fund has 0.03% investment in Debt of which 0.02% in Government securities, 0.01% in funds invested in very low risk 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 23rd June, 2021)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 16-Jun-21 9951.20 -0.49% - -0.92% 32/67
1 Month 21-May-21 10471.20 4.71% - 3.89% 25/67
3 Month 23-Mar-21 10907.80 9.08% - 9.68% 28/67
6 Month 23-Dec-20 11994.70 19.95% - 22.58% 37/67
YTD 01-Jan-21 11629.00 16.29% - 19.58% 38/67
1 Year 23-Jun-20 15541.20 55.41% 55.41% 61.35% 39/67
2 Year 21-Jun-19 13889.30 38.89% 17.77% 20.19% 41/65
3 Year 22-Jun-18 13811.50 38.12% 11.34% 12.86% 37/61
5 Year 23-Jun-16 17471.90 74.72% 11.80% 14.65% 38/45
10 Year 23-Jun-11 30126.60 201.27% 11.65% 13.93% 28/29
Since Inception 31-Mar-96 796598.80 7865.99% 18.93% 14.22% 12/63

SIP Returns (NAV as on 23rd June, 2021)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 23-Jun-20 12000 15221.89 26.85 % 53.19 %
2 Year 21-Jun-19 24000 33660.2 40.25 % 36.29 %
3 Year 22-Jun-18 36000 50654.76 40.71 % 23.47 %
5 Year 23-Jun-16 60000 86603.27 44.34 % 14.66 %
10 Year 23-Jun-11 120000 235127.21 95.94 % 12.9 %
 

Tax Treatment

Portfolio (Updated on 31st May,2021)

Portfolio Turnover Ratio : 72.00%  |   Category average turnover ratio is 61.08%  
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 : 99.39% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 99.39%
No of Stocks : 62 (Category Avg - 47.78) | Large Cap Investments : 65.92%| Mid Cap Investments : 10.98% | Small Cap Investments : 5.94% | Other : 16.55%

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 295.8 9.53% 0.29% 10.21% (Jan 2021) 4.32% (Jul 2020) 4.46 L 0.00
HDFC Bank Ltd. Banks 216.9 6.99% 0.02% 9.22% (Nov 2020) 6.97% (Apr 2021) 1.43 L 0.00
Infosys Ltd. Computers - software 146.2 4.71% -0.19% 5.32% (Jul 2020) 4.27% (Jun 2020) 1.05 L 0.00
State Bank Of India Banks 131.9 4.25% 0.46% 4.25% (May 2021) 1.88% (Sep 2020) 3.11 L 0.00
Axis Bank Ltd. Banks 107.5 3.46% -0.07% 3.53% (Apr 2021) 1.42% (Jul 2020) 1.43 L 0.00
Reliance Industries Ltd. - Partly Paid Refineries/marketing 106.4 3.43% 0.86% 3.43% (May 2021) 0.81% (Oct 2020) 69.47 k 0.00
Polycab India Limited Cables - electricals 100 3.22% 0.20% 3.22% (May 2021) 0% (Jun 2020) 59.71 k 0.00
Maruti Suzuki India Ltd. Passenger/utility vehicles 98.7 3.18% 0.08% 3.29% (Mar 2021) 1.13% (Aug 2020) 13.92 k 0.00
Bharti Airtel Ltd. Telecom - services 92.4 2.98% -0.22% 3.45% (Jan 2021) 2.27% (Sep 2020) 1.73 L 0.00
Kotak Mahindra Bank Ltd. Banks 87.8 2.83% -0.10% 3.62% (Oct 2020) 2.59% (Feb 2021) 48.55 k 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
No of Debt Holding 2 (Category Avg - 0.18) | Modified Duration 0.00 Years (Category Avg - 2.85)| Yield to Maturity - -- (Category Avg - 0.00%)

Type of Holdings

Security Type
% Weight
Category Average
T-Bills 0.02% 0.01%
NCD & Bonds 0.01% 0.01%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 0.02% 0.01%
Low Risk 0.01% 0.01%
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 0.74%
Net Receivables Net Receivables -0.16%

Risk Ratios

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

  • Standard Deviation

    High volatility
    21.03vs19.07
    Category Avg
  • Beta

    High volatility
    0.96vs0.84
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.4vs0.46
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.09vs0.1
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -2.01vs0.25
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Quant Tax Plan - Growth 5 203.59 3.23 20.03 41.03 105.64 28.35
IDFC Tax Advantage (ELSS) Fund - Regular Plan - Growth 4 3271.32 2.94 12.10 31.76 77.86 13.99
BOI AXA Tax Advantage Fund - Regular Plan - Growth 5 453.28 4.59 11.31 22.75 68.12 16.95
Mirae Asset Tax Saver Fund - Regular Plan - Growth 5 7939.53 3.60 8.84 23.62 65.21 19.48
Canara Robeco Equity Tax Saver - Regular Plan - Growth 5 2226.66 4.06 8.56 21.14 63.05 19.50
Franklin India Taxshield Fund - Growth 3 4635.75 4.45 8.73 24.52 62.06 11.38
DSP Tax Saver Fund - Regular Plan - Growth 4 8746.70 3.33 11.14 25.14 60.15 17.05
Mahindra Manulife ELSS Kar Bachat Yojana - Regular Plan - Growth 3 371.75 4.76 9.54 24.10 60.13 12.53
Quantum Tax Saving Fund - Growth 4 96.32 2.24 7.67 21.30 60.01 10.43
Nippon India Tax Saver Fund - Growth 1 11667.38 2.61 6.67 24.01 58.90 5.70

More Funds from PRINCIPAL Mutual Fund

Out of 22 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 3 is/are ranked 4 * , 6 is/are ranked 3 * , 2 is/are ranked 2 * , 2 is/are ranked 1 * , and 8 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 4 2730.49 4.91 10.90 23.59 63.96 14.51
Principal Hybrid Equity Fund - Growth 4 1078.68 3.38 6.00 14.36 41.78 9.98
Principal Multi Cap Growth Fund - Growth 3 757.49 5.41 10.57 24.29 59.82 12.17
Principal Focused Multicap Fund - Growth 4 576.43 4.04 9.88 21.93 56.60 16.98
Principal Tax Saving Fund 3 538.95 4.37 8.74 19.52 55.34 11.38
Principal Large Cap Fund - Regular Plan - Growth NA 445.76 3.56 7.57 15.24 0.00 0.00
Principal Small Cap Fund - Regular Plan - Growth NA 388.63 3.93 18.71 38.00 94.57 0.00
Principal Midcap Fund - Regular Plan - Growth NA 382.68 5.39 11.89 26.58 66.27 0.00
Principal Personal Tax Saver 3 310.38 4.36 8.71 19.55 55.84 11.27
Principal Dividend Yield Fund - Growth 3 211.38 4.44 9.24 20.64 53.34 13.90

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