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Principal Personal Tax Saver

  • Regular
  • Direct
Category : ELSS
  • NAV
    : ₹ 192.72 -1.17%
    (as on 17th June, 2019)
Crisil Rank
Average performance among peers
Risk-O-Meter
Moderately High

Fund has 98.02% investment in indian stocks of which 64.62% is in large cap stocks, 13.97% is in mid cap stocks, 19.22% in small cap stocks.

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 17th June, 2019)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 10-Jun-19 9739.73 -2.60% - -0.76% 58/67
1 Month 17-May-19 10241.80 2.42% - 5.30% 38/67
3 Month 15-Mar-19 9968.96 -0.31% - 1.94% 46/67
6 Month 17-Dec-18 10156.52 1.57% - 5.29% 48/66
YTD 01-Apr-19 9762.42 -2.38% - 0.04% 45/67
1 Year 15-Jun-18 9803.14 -1.97% -1.96% -0.37% 44/63
2 Year 16-Jun-17 10413.92 4.14% 2.05% 4.66% 43/54
3 Year 17-Jun-16 12698.16 26.98% 8.29% 12.04% 41/47
5 Year 17-Jun-14 14374.58 43.75% 7.52% 11.88% 33/35
10 Year 17-Jun-09 27634.06 176.34% 10.69% 12.68% 27/29
Since Inception 31-Mar-96 570899.30 5608.99% 19.02% - -/-

SIP Returns (NAV as on 17th Jun,2019)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 year 17-Jun-18 12000 12084.85 0.71 % 1.31 %
2 years 17-Jun-17 24000 23848.98 -0.63 % -0.61 %
3 years 17-Jun-16 36000 37825.96 5.07 % 3.24 %
5 years 17-Jun-14 60000 69390.81 15.65 % 5.75 %
10 years 17-Jun-09 120000 195659.46 63.05 % 9.45 %
 

Tax Treatment

You can not sell your investments in this fund for 3 years from the purchase date. Long term capital gain tax will be applicable when you sell your investments after 3 years. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh in a financial year. Any cess/surcharge is not included. However, you can claim a deduction on your taxable income under section 80c for your investments in this fund. (Current tax deductions are capped at 1.5 lakh per year).

Portfolio (Updated on 31st May,2019)

Equity Holding : 98.02% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 98.02%
No of Stocks : 56 (Category Avg - 44.48) | Large Cap Investments : 64.62%| Mid Cap Investments : 13.97% | Small Cap Investments : 19.22% | Other : 0.21%

Top 10 Stocks in Portfolio

How to read this table?
Stock Invested in Sector Value(Cr) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
HDFC Bank Ltd. Banks 151.1 5.49% 0.16% 4.93% (Oct 2018) 4.93% (Oct 2018) 62.29 k 0.00
ICICI Bank Ltd. Banks 142 5.16% -0.03% 3.21% (Sep 2018) 3.21% (Sep 2018) 3.35 L -0.10 L
Reliance Industries Ltd. Refineries/marketing 123.1 4.48% -0.28% 3.22% (Jun 2018) 3.22% (Jun 2018) 92.56 k 0.00
State Bank Of India Banks 109.6 3.99% 0.26% 1.99% (Sep 2018) 1.99% (Sep 2018) 3.11 L -0.15 L
Tata Consultancy Services Ltd. Computers - software 95.4 3.47% -0.32% 2.64% (Jun 2018) 2.64% (Jun 2018) 43.41 k -2.00 k
Kotak Mahindra Bank Ltd. Banks 91.2 3.32% 0.26% 1.47% (Oct 2018) 1.47% (Oct 2018) 59.90 k 0.00
ITC Limited Cigarettes 90.5 3.29% -0.43% 3.01% (Jun 2018) 3.01% (Jun 2018) 3.25 L -0.10 L
Larsen & Toubro Ltd. Engineering, designing, construction 82.9 3.01% 0.36% 2.65% (Apr 2019) 2.65% (Apr 2019) 53.19 k 0.00
Tata Power Co. Ltd. Power 71.8 2.61% -0.13% 1.91% (Jun 2018) 1.91% (Jun 2018) 10.44 L -0.50 L
Infosys Ltd. Computers - software 69.8 2.54% -0.08% 2.54% (May 2019) 2.54% (May 2019) 94.57 k 0.00
- indicates change in weight in the portfolio. # indicates a new entry.
Name Type of Instrument Weight (%)
TREPS TREPS 2.26%
Net Receivables Net Receivables -0.28%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st May, 2019)

  • Standard Deviation

    High volatility
    14.6vs9.47
    Category Avg
  • Beta

    High volatility
    1.1vs0.67
    Category Avg
  • Sharpe Ratio

    Poor risk adjusted returns
    0.3vs0.34
    Category Avg
  • Treynor's Ratio

    Poor risk adjusted returns
    0.04vs0.05
    Category Avg
  • Jension's Alpha

    Poor risk adjusted returns
    -3.7vs-0.27
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Kotak Tax Saver Scheme - Growth 4 934.61 6.28 5.35 9.49 10.39 14.41
Canara Robeco Equity Tax Saver - Regular Plan - Growth 5 982.77 6.75 4.83 8.66 10.08 14.43
Mirae Asset Tax Saver Fund - Regular Plan - Growth 5 2111.58 6.45 3.50 7.64 8.97 19.26
Tata India Tax Savings Fund - Regular Plan - Growth NA 1873.40 7.17 5.05 10.72 7.50 14.17
DSP Tax Saver Fund - Regular Plan - Growth 3 5642.77 5.55 3.56 9.20 6.41 13.53
ICICI Prudential Long Term Equity Fund (Tax Saving) - Growth 4 6424.90 3.70 3.64 7.08 6.17 12.25
BNP Paribas Long Term Equity Fund - Growth 2 476.90 6.58 5.14 8.37 5.21 9.82
JM Tax Gain Fund - Growth 3 32.67 6.83 4.52 8.11 4.32 15.25
Quantum Tax Saving Fund - Growth NA 80.92 2.90 0.48 2.36 4.08 0.00
Union Tax Saver Scheme - Growth 3 254.78 5.66 3.83 6.80 4.05 8.98

More Funds from PRINCIPAL Mutual Fund

Out of 23 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 1 is/are ranked 4 * , 7 is/are ranked 3 * , 4 is/are ranked 2 * , 3 is/are ranked 1 * , and 7 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 2236.32 4.93 1.19 2.86 -4.08 13.93
Principal Hybrid Equity Fund - Growth 5 1744.05 1.70 -0.95 1.47 0.28 13.60
Principal Multi Cap Growth Fund - Growth 3 902.41 4.70 1.06 3.41 -1.16 14.26
Principal Tax Saving Fund 3 415.33 4.90 1.19 3.44 -1.60 14.00
Principal Focused Multicap Fund - Growth 3 333.15 6.04 3.87 5.39 5.71 12.43
Principal Personal Tax Saver 3 275.02 5.01 1.18 3.35 -1.25 9.06
Principal Cash Management Fund - Growth 1 258.83 0.53 1.70 3.38 -1.95 3.91
Principal Short Term Debt Fund - Growth 2 223.66 -8.19 -7.38 -5.17 -1.74 3.71
Principal Balanced Advantage Fund - Growth NA 222.81 -0.54 -1.06 0.20 1.95 6.40
Principal Low Duration Fund - Growth 2 216.13 -15.19 -14.96 -13.54 -11.03 0.90

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