Top 10 Best Principal Mutual Fund Schemes 2025 | Fincash

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Top 10 Best Principal Mutual Fund Schemes for 2025

Updated on May 16, 2025 , 13853 views

UPDATE: Sundaram AMC acquires Principal AMC. After the acquisition, which was completed on 31 December 2021, certain schemes of sundaram mf were merged with corresponding schemes of Principal MF and vice-versa.

Principal Mutual Fund is one of the fastest growing Mutual Fund companies in India. The fund house manages assets for over 4 lakh customers, through 102 investor centres with over 20,000 empanelled distributors across the country. The company offers a wide Range of schemes that are designed to meet various investment goals of investors.

Investors can choose from a host of options like— equity, debt, ELSS, balanced, Liquid Funds, fund of funds, etc. Equity Funds are best suited for a long-term plan while liquid funds are ideal for earning good returns in a short span of time. Principal Mutual Fund follows a disciplined investment approach through which it aims to create, protect and grow wealth of the investors.

Investors planning to invest can choose a fund from the below-listed top 10 best Principal Mutual Fund schemes. These funds have been shortlisted by undertaking certain important parameters like AUM, NAV, past performances, peer average returns, etc.

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Why Invest in Principal Mutual Fund?

Principal Mutual Fund has an extensive network of over 20,000 distributors across the country. It includes financial advisor firms, corporate banks, financial institutes, and stockbrokers.
Company schemes offer the option to reduce taxable Income thus, saving tax. Principal Tax Savings Fund is such schemes where an investor is eligible for a tax Deduction of up to one lakh.
Investors can put their money in a target equity while still invested in a debt or a liquid fund. Thus, the investor will get returns on the equity as well as the protection.
The company produces a monthly fact sheet. In it, it lays out the details of money invested in each company, rating of the company, returns, dividends, and ratio of performance.

Best Mutual Fund Schemes by Principal Mutual Fund

Fund	NAV	Net Assets (Cr)	Min Investment	Min SIP Investment	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	Since launch (%)	2024 (%)
Principal Emerging Bluechip Fund Growth	₹183.316 ↑ 2.03	₹3,124	5,000	100	2.9	13.6	38.9	21.9	19.2	24.8
Principal Hybrid Equity Fund Growth	₹160.52 ↑ 0.02	₹5,619	5,000	100	8.6	4	11.5	15.9	19.9	11.6	17.1
Principal Cash Management Fund Growth	₹2,286.35 ↑ 0.38	₹5,477	5,000	2,000	1.8	3.5	7.2	6.8	5.4	6.5	7.3
Principal Global Opportunities Fund Growth	₹47.4362 ↓ -0.04	₹38	10,000	2,000	2.9	3.1	25.8	24.8	16.5	9.2
Principal Credit Risk Fund Growth	₹3,103.96 ↓ -0.49	₹15	5,000	2,000	14.3	7.9	11.5	5.8	6.8	7.4
Principal Multi Cap Growth Fund Growth	₹370.065 ↑ 1.54	₹2,615	5,000	100	10.6	2.7	9.6	20.4	27.1	15.8	19.5
Principal Tax Savings Fund Growth	₹498.812 ↑ 0.74	₹1,288	500	500	8.3	4.4	9.1	18.7	25.2	16	15.8
Principal Short Term Debt Fund Growth	₹44.175 ↑ 0.05	₹202	5,000	2,000	3.2	5	9.4	7.4	7.6	7	7.9
Principal Dynamic Bond Fund Growth	₹31.9328 ↑ 0.02	₹29	5,000	2,000	5.7	4.4	7.5	2.9	5.5	6.9
Principal Ultra Short Term Fund Growth	₹2,667.28 ↑ 0.91	₹1,723	5,000	2,000	1.9	3.4	6.6	6	4.7	5.8	6.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Dec 21

1. Principal Emerging Bluechip Fund

The primary objective of the Scheme is to achieve long-term capital appreciation by investing in equity & equity related instruments of mid cap & small cap companies.

Principal Emerging Bluechip Fund is a Equity - Large & Mid Cap fund was launched on 12 Nov 08. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 24.8% since its launch. Ranked 1 in Large & Mid Cap category. .

Below is the key information for Principal Emerging Bluechip Fund

Principal Emerging Bluechip Fund Growth
Launch Date	12 Nov 08
NAV (31 Dec 21)	₹183.316 ↑ 2.03 (1.12 %)
Net Assets (Cr)	₹3,124 on 30 Nov 21
Category	Equity - Large & Mid Cap
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	2.08
Sharpe Ratio	2.74
Information Ratio	0.22
Alpha Ratio	2.18
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹15,777

Principal Emerging Bluechip Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Principal Emerging Bluechip Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	2.9%
3 Month	2.9%
6 Month	13.6%
1 Year	38.9%
3 Year	21.9%
5 Year	19.2%
10 Year
15 Year
Since launch	24.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Principal Emerging Bluechip Fund

Name	Since	Tenure

Data below for Principal Emerging Bluechip Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

2. Principal Hybrid Equity Fund

(Erstwhile Principal Balanced Fund)

Aims to generate long term capital appreciation and current income by investing in a portfolio of equity, equity related securities and fixed income securities.

Principal Hybrid Equity Fund is a Hybrid - Hybrid Equity fund was launched on 14 Jan 00. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 11.6% since its launch. Ranked 1 in Hybrid Equity category. Return for 2024 was 17.1% , 2023 was 16.8% and 2022 was 3% .

Below is the key information for Principal Hybrid Equity Fund

Principal Hybrid Equity Fund Growth
Launch Date	14 Jan 00
NAV (16 May 25)	₹160.52 ↑ 0.02 (0.01 %)
Net Assets (Cr)	₹5,619 on 31 Mar 25
Category	Hybrid - Hybrid Equity
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.91
Sharpe Ratio	0.09
Information Ratio	-0.06
Alpha Ratio	0.04
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹13,947
30 Apr 22	₹15,994
30 Apr 23	₹16,692
30 Apr 24	₹21,294
30 Apr 25	₹23,162

Principal Hybrid Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 Invest Now

Returns for Principal Hybrid Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	4.9%
3 Month	8.6%
6 Month	4%
1 Year	11.5%
3 Year	15.9%
5 Year	19.9%
10 Year
15 Year
Since launch	11.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.1%
2023	16.8%
2022	3%
2021	25.4%
2020	16.3%
2019	2.1%
2018	-1.5%
2017	36.3%
2016	10.1%
2015	3.1%

Fund Manager information for Principal Hybrid Equity Fund

Name	Since	Tenure
Dwijendra Srivastava	1 Jan 22	3.33 Yr.
S. Bharath	1 Jan 22	3.33 Yr.
Sandeep Agarwal	1 Jan 22	3.33 Yr.
Clyton Fernandes	4 Oct 24	0.57 Yr.

Data below for Principal Hybrid Equity Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	4.88%
Equity	72.11%
Debt	23%
Other	0.01%

Equity Sector Allocation

Sector	Value
Financial Services	22.01%
Consumer Cyclical	11.47%
Technology	7.78%
Energy	6.31%
Industrials	5.73%
Health Care	5.01%
Consumer Defensive	4.65%
Communication Services	3.67%
Basic Materials	3.65%
Utility	1.84%

Debt Sector Allocation

Sector	Value
Government	15.64%
Corporate	9.42%
Cash Equivalent	2.82%

Credit Quality

Rating	Value
AA	5.01%
AAA	93.47%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	6%	₹325 Cr	1,779,750 ↑ 479,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	6%	₹310 Cr	30,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	5%	₹266 Cr	1,975,966
Reliance Industries Ltd (Energy) Equity, Since 28 Feb 07 \| RELIANCE	5%	₹266 Cr	2,085,802 ↑ 300,000
Sundaram Money Market Dir Gr Investment Fund \| -	4%	₹204 Cr	137,602,675 ↓ -27,722,327
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 18 \| BHARTIARTL	3%	₹181 Cr	1,046,000 ↑ 46,000
State Bank of India (Financial Services) Equity, Since 31 Oct 11 \| SBIN	3%	₹161 Cr	2,081,920 ↑ 150,000
Infosys Ltd (Technology) Equity, Since 30 Sep 17 \| INFY	3%	₹146 Cr	930,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 17 \| 532215	2%	₹129 Cr	1,173,644 ↑ 260,500
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 May 24 \| KOTAKBANK	2%	₹121 Cr	557,117 ↑ 71,000

3. Principal Cash Management Fund

To provide investors with as high a level of income available from short-term investments as is considered consistent with preservation of capital and maintenance of liquidity, by investing in a portfolio of money market and investment grade debt instruments. The scheme will invest its assets in a portfolio of money market instruments. The investments will be in securities, which the Investment Manager believes present minimal liquidity and/or credit risks.

Principal Cash Management Fund is a Debt - Liquid Fund fund was launched on 30 Aug 04. It is a fund with Low risk and has given a CAGR/Annualized return of 6.5% since its launch. Ranked 5 in Liquid Fund category. Return for 2024 was 7.3% , 2023 was 7% and 2022 was 4.8% .

Below is the key information for Principal Cash Management Fund

Principal Cash Management Fund Growth
Launch Date	30 Aug 04
NAV (18 May 25)	₹2,286.35 ↑ 0.38 (0.02 %)
Net Assets (Cr)	₹5,477 on 31 Mar 25
Category	Debt - Liquid Fund
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.29
Sharpe Ratio	2.37
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	NIL
Yield to Maturity	7.06%
Effective Maturity	2 Months 2 Days
Modified Duration	2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,318
30 Apr 22	₹10,663
30 Apr 23	₹11,297
30 Apr 24	₹12,111
30 Apr 25	₹12,987

Principal Cash Management Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Principal Cash Management Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.8%
6 Month	3.5%
1 Year	7.2%
3 Year	6.8%
5 Year	5.4%
10 Year
15 Year
Since launch	6.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	7%
2022	4.8%
2021	3.2%
2020	3.8%
2019	6.2%
2018	-1.8%
2017	6.8%
2016	7.7%
2015	8.4%

Fund Manager information for Principal Cash Management Fund

Name	Since	Tenure
Dwijendra Srivastava	1 Jan 22	3.33 Yr.
Sandeep Agarwal	16 May 22	2.96 Yr.

Data below for Principal Cash Management Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	99.8%
Other	0.2%

Debt Sector Allocation

Sector	Value
Cash Equivalent	75.13%
Corporate	23.32%
Government	1.35%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	7%	₹538 Cr
91 Days Treasury Bill 26-Jun-2025 Sovereign Bonds \| -	4%	₹297 Cr	30,000,000 ↑ 30,000,000
HDFC Bank Ltd. ** # Certificate of Deposit \| -	3%	₹223 Cr	4,500
91 Days Tbill Red 19-06-2025 Sovereign Bonds \| -	3%	₹223 Cr	22,500,000 ↑ 7,500,000
Tata Capital Limited Commercial Paper \| -	3%	₹199 Cr	4,000
91 Days Tbill Red 12-06-2025 Sovereign Bonds \| -	2%	₹173 Cr	17,500,000 ↑ 17,500,000
National Bank For Agriculture And Rural Development Commercial Paper \| -	2%	₹149 Cr	3,000
Axis Bank Ltd. Certificate of Deposit \| -	2%	₹149 Cr	3,000
Export-Import Bank Of India Commercial Paper \| -	2%	₹149 Cr	3,000
Small Industries Development Bank Of India Certificate of Deposit \| -	2%	₹149 Cr	3,000

4. Principal Global Opportunities Fund

The investment objective of the Scheme is to provide long term capital appreciation by predominantly investing in overseas mutual fund schemes, and a certain portion of its corpus in Money Market Securities and/or units of Money Market / Liquid Schemes of Principal Mutual Fund.

Principal Global Opportunities Fund is a Equity - Global fund was launched on 29 Mar 04. It is a fund with High risk and has given a CAGR/Annualized return of 9.2% since its launch. Ranked 8 in Global category. .

Below is the key information for Principal Global Opportunities Fund

Principal Global Opportunities Fund Growth
Launch Date	29 Mar 04
NAV (31 Dec 21)	₹47.4362 ↓ -0.04 (-0.09 %)
Net Assets (Cr)	₹38 on 30 Nov 21
Category	Equity - Global
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.1
Sharpe Ratio	2.31
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	2,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹17,119

Principal Global Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for Principal Global Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0%
3 Month	2.9%
6 Month	3.1%
1 Year	25.8%
3 Year	24.8%
5 Year	16.5%
10 Year
15 Year
Since launch	9.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Principal Global Opportunities Fund

Name	Since	Tenure

Data below for Principal Global Opportunities Fund as on 30 Nov 21

Equity Sector Allocation

Sector	Value

Asset Allocation

Asset Class	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

5. Principal Credit Risk Fund

(Erstwhile Principal Credit Opportunities Fund)

To generate regular income & Capital appreciation through investments in debt securities and money market instruments

Principal Credit Risk Fund is a Debt - Credit Risk fund was launched on 14 Sep 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.4% since its launch. Ranked 16 in Credit Risk category. .

Below is the key information for Principal Credit Risk Fund

Principal Credit Risk Fund Growth
Launch Date	14 Sep 04
NAV (03 Sep 20)	₹3,103.96 ↓ -0.49 (-0.02 %)
Net Assets (Cr)	₹15 on 31 Jul 20
Category	Debt - Credit Risk
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.64
Sharpe Ratio	0.49
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	NIL
Yield to Maturity	3.44%
Effective Maturity	4 Months 16 Days
Modified Duration	3 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000

Principal Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Principal Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.1%
3 Month	14.3%
6 Month	7.9%
1 Year	11.5%
3 Year	5.8%
5 Year	6.8%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Principal Credit Risk Fund

Name	Since	Tenure

Data below for Principal Credit Risk Fund as on 31 Jul 20

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

6. Principal Multi Cap Growth Fund

(Erstwhile Principal Growth Fund)

The primary investment objective of the scheme is to achieve long-term capital appreciation.

Principal Multi Cap Growth Fund is a Equity - Multi Cap fund was launched on 25 Oct 00. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 15.8% since its launch. Ranked 12 in Multi Cap category. Return for 2024 was 19.5% , 2023 was 31.1% and 2022 was -1.6% .

Below is the key information for Principal Multi Cap Growth Fund

Principal Multi Cap Growth Fund Growth
Launch Date	25 Oct 00
NAV (16 May 25)	₹370.065 ↑ 1.54 (0.42 %)
Net Assets (Cr)	₹2,615 on 31 Mar 25
Category	Equity - Multi Cap
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.05
Sharpe Ratio	0.22
Information Ratio	-0.68
Alpha Ratio	2.54
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹15,172
30 Apr 22	₹19,608
30 Apr 23	₹19,831
30 Apr 24	₹28,088
30 Apr 25	₹29,898

Principal Multi Cap Growth Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for Principal Multi Cap Growth Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	6.2%
3 Month	10.6%
6 Month	2.7%
1 Year	9.6%
3 Year	20.4%
5 Year	27.1%
10 Year
15 Year
Since launch	15.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.5%
2023	31.1%
2022	-1.6%
2021	46.3%
2020	15%
2019	3.9%
2018	-8.7%
2017	48.7%
2016	6.4%
2015	2.8%

Fund Manager information for Principal Multi Cap Growth Fund

Name	Since	Tenure
Ratish Varier	1 Jan 22	3.33 Yr.
Sudhir Kedia	1 Jan 22	3.33 Yr.

Data below for Principal Multi Cap Growth Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	20.27%
Industrials	19.2%
Consumer Cyclical	14.09%
Technology	7.4%
Energy	7.31%
Health Care	7.04%
Basic Materials	6.12%
Communication Services	6.01%
Consumer Defensive	4.66%
Utility	2.65%

Asset Allocation

Asset Class	Value
Cash	5.21%
Equity	94.79%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 09 \| HDFCBANK	5%	₹141 Cr	773,245 ↓ -5,749
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	5%	₹122 Cr	903,967
Reliance Industries Ltd (Energy) Equity, Since 31 Jan 05 \| RELIANCE	4%	₹107 Cr	836,759
Larsen & Toubro Ltd (Industrials) Equity, Since 31 May 23 \| LT	3%	₹90 Cr	256,848
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 24 \| 532215	3%	₹85 Cr	772,466
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Jun 24 \| KOTAKBANK	3%	₹85 Cr	391,704
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Nov 18 \| BHARTIARTL	2%	₹64 Cr	371,388 ↑ 15,727
Affle India Ltd (Communication Services) Equity, Since 31 May 22 \| AFFLE	2%	₹60 Cr	373,348
Indian Bank (Financial Services) Equity, Since 31 Dec 23 \| 532814	2%	₹59 Cr	1,089,849 ↓ -107,193
Amber Enterprises India Ltd Ordinary Shares (Consumer Cyclical) Equity, Since 31 Dec 20 \| AMBER	2%	₹58 Cr	79,949

7. Principal Tax Savings Fund

To build a high quality growth-oriented portfolio to provide long-term capital gains to the investors, the scheme aims at providing returns through capital appreciation.

Principal Tax Savings Fund is a Equity - ELSS fund was launched on 31 Mar 96. It is a fund with Moderately High risk and has given a CAGR/Annualized return of 16% since its launch. Ranked 8 in ELSS category. Return for 2024 was 15.8% , 2023 was 24.5% and 2022 was 4.3% .

Below is the key information for Principal Tax Savings Fund

Principal Tax Savings Fund Growth
Launch Date	31 Mar 96
NAV (16 May 25)	₹498.812 ↑ 0.74 (0.15 %)
Net Assets (Cr)	₹1,288 on 31 Mar 25
Category	Equity - ELSS
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	2.26
Sharpe Ratio	0.02
Information Ratio	-0.26
Alpha Ratio	-0.34
Min Investment	500
Min SIP Investment	500
Exit Load	NIL

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹15,168
30 Apr 22	₹18,540
30 Apr 23	₹19,428
30 Apr 24	₹26,470
30 Apr 25	₹28,044

Principal Tax Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for Principal Tax Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	5.3%
3 Month	8.3%
6 Month	4.4%
1 Year	9.1%
3 Year	18.7%
5 Year	25.2%
10 Year
15 Year
Since launch	16%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.8%
2023	24.5%
2022	4.3%
2021	32.1%
2020	18.9%
2019	2.5%
2018	-9.2%
2017	48.8%
2016	6.2%
2015	2.7%

Fund Manager information for Principal Tax Savings Fund

Name	Since	Tenure
Sudhir Kedia	29 Oct 19	5.51 Yr.
Rohit Seksaria	1 Jan 22	3.33 Yr.

Data below for Principal Tax Savings Fund as on 31 Mar 25

Equity Sector Allocation

Sector	Value
Financial Services	32.79%
Industrials	12.06%
Consumer Cyclical	10.9%
Health Care	6.9%
Technology	6.68%
Basic Materials	5.68%
Consumer Defensive	5.67%
Energy	5.47%
Communication Services	5.18%
Utility	1.94%

Asset Allocation

Asset Class	Value
Cash	6.17%
Equity	93.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 09 \| HDFCBANK	9%	₹118 Cr	644,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	8%	₹99 Cr	737,000
Reliance Industries Ltd (Energy) Equity, Since 31 Dec 21 \| RELIANCE	4%	₹55 Cr	434,000
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 13 \| LT	4%	₹47 Cr	134,000
Infosys Ltd (Technology) Equity, Since 31 Jan 09 \| INFY	3%	₹43 Cr	276,000 ↓ -30,000
State Bank of India (Financial Services) Equity, Since 30 Apr 05 \| SBIN	3%	₹41 Cr	532,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 17 \| 532215	3%	₹34 Cr	311,000
InterGlobe Aviation Ltd (Industrials) Equity, Since 31 Oct 22 \| INDIGO	2%	₹32 Cr	62,000 ↓ -1,000
UltraTech Cement Ltd (Basic Materials) Equity, Since 31 Jan 14 \| 532538	2%	₹31 Cr	27,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services) Equity, Since 30 Nov 21 \| 890157	2%	₹29 Cr	221,000

8. Principal Short Term Debt Fund

(Erstwhile Principal Short Term Income Fund)

To generate regular income and capital appreciation/ accretion through investment in debt instruments and related securities besides preservation of capital.

Principal Short Term Debt Fund is a Debt - Short term Bond fund was launched on 9 May 03. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 34 in Short term Bond category. Return for 2024 was 7.9% , 2023 was 6.9% and 2022 was 3.5% .

Below is the key information for Principal Short Term Debt Fund

Principal Short Term Debt Fund Growth
Launch Date	9 May 03
NAV (16 May 25)	₹44.175 ↑ 0.05 (0.11 %)
Net Assets (Cr)	₹202 on 31 Mar 25
Category	Debt - Short term Bond
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.84
Sharpe Ratio	1.2
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	NIL
Yield to Maturity	7.24%
Effective Maturity	3 Years 7 Months 13 Days
Modified Duration	2 Years 9 Months 22 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹11,431
30 Apr 22	₹11,839
30 Apr 23	₹12,462
30 Apr 24	₹13,261
30 Apr 25	₹14,498

Principal Short Term Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125 Invest Now

Returns for Principal Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	1%
3 Month	3.2%
6 Month	5%
1 Year	9.4%
3 Year	7.4%
5 Year	7.6%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	6.9%
2022	3.5%
2021	3.2%
2020	10.3%
2019	-1.7%
2018	6%
2017	5.7%
2016	9.6%
2015	8.1%

Fund Manager information for Principal Short Term Debt Fund

Name	Since	Tenure
Dwijendra Srivastava	1 Jan 22	3.33 Yr.
Sandeep Agarwal	1 Jan 22	3.33 Yr.

Data below for Principal Short Term Debt Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	11.49%
Debt	88.22%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	50.1%
Government	38.13%
Cash Equivalent	11.49%

Credit Quality

Rating	Value
AA	20.78%
AAA	79.22%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	12%	₹26 Cr	2,500,000
7.37% Govt Stock 2028 Sovereign Bonds \| -	7%	₹16 Cr	1,500,000
Bharti Telecom Limited Debentures \| -	5%	₹11 Cr	1,100
Power Finance Corporation Ltd. Debentures \| -	5%	₹10 Cr	1,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹10 Cr	1,000
Export-Import Bank Of India Debentures \| -	5%	₹10 Cr	1,000
PNb Housing Finance Limited Debentures \| -	5%	₹10 Cr	1,000
7.38% Govt Stock 2027 Sovereign Bonds \| -	3%	₹7 Cr	700,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	3%	₹5 Cr	500,000
7.32% Govt Stock 2030 Sovereign Bonds \| -	3%	₹5 Cr	500,000

9. Principal Dynamic Bond Fund

To generate regular income and capital appreciation/ accretion through investment in debt instruments and related securities besides preservation of capital. The scheme will aim to invest its assets in a portfolio of debt instruments and related securities of government, quasi-government, corporate issuers and money market instruments with varying risks – rated investment grade or higher or otherwise comparable (if not rated).

Principal Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 9 May 03. It is a fund with Moderate risk and has given a CAGR/Annualized return of 6.9% since its launch. Ranked 20 in Dynamic Bond category. .

Below is the key information for Principal Dynamic Bond Fund

Principal Dynamic Bond Fund Growth
Launch Date	9 May 03
NAV (03 Sep 20)	₹31.9328 ↑ 0.02 (0.07 %)
Net Assets (Cr)	₹29 on 31 Jul 20
Category	Debt - Dynamic Bond
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.62
Sharpe Ratio	0.54
Information Ratio	-0.95
Alpha Ratio	-4.7
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity	4.84%
Effective Maturity	3 Years 9 Months 14 Days
Modified Duration	3 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000

Principal Dynamic Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Principal Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	-0.1%
3 Month	5.7%
6 Month	4.4%
1 Year	7.5%
3 Year	2.9%
5 Year	5.5%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015

Fund Manager information for Principal Dynamic Bond Fund

Name	Since	Tenure

Data below for Principal Dynamic Bond Fund as on 31 Jul 20

Asset Allocation

Asset Class	Value

Debt Sector Allocation

Sector	Value

Credit Quality

Rating	Value

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity

10. Principal Ultra Short Term Fund

(Erstwhile Principal Retail Money Manager Fund)

To generate steady return by investing in debt and money market securities. The portfolio will be predominantly invested in overnight repo, CBLO, floating rate instruments and other fixed income instruments.

Principal Ultra Short Term Fund is a Debt - Ultrashort Bond fund was launched on 28 Dec 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 5.8% since its launch. Ranked 43 in Ultrashort Bond category. Return for 2024 was 6.4% , 2023 was 6.1% and 2022 was 3.7% .

Below is the key information for Principal Ultra Short Term Fund

Principal Ultra Short Term Fund Growth
Launch Date	28 Dec 07
NAV (16 May 25)	₹2,667.28 ↑ 0.91 (0.03 %)
Net Assets (Cr)	₹1,723 on 31 Mar 25
Category	Debt - Ultrashort Bond
AMC	Principal Pnb Asset Mgmt. Co. Priv. Ltd.
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	1.41
Sharpe Ratio	-2.05
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	NIL
Yield to Maturity	7.35%
Effective Maturity	7 Months 22 Days
Modified Duration	7 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Apr 20	₹10,000
30 Apr 21	₹10,339
30 Apr 22	₹10,617
30 Apr 23	₹11,132
30 Apr 24	₹11,825
30 Apr 25	₹12,602

Principal Ultra Short Term Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹194,235.
Net Profit of ₹14,235 Invest Now

Returns for Principal Ultra Short Term Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 31 Dec 21

Duration	Returns
1 Month	0.5%
3 Month	1.9%
6 Month	3.4%
1 Year	6.6%
3 Year	6%
5 Year	4.7%
10 Year
15 Year
Since launch	5.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.4%
2023	6.1%
2022	3.7%
2021	2.7%
2020	4.1%
2019	6.5%
2018	1.2%
2017	6.3%
2016	7.9%
2015	8.8%

Fund Manager information for Principal Ultra Short Term Fund

Name	Since	Tenure
Dwijendra Srivastava	16 May 22	2.96 Yr.
Sandeep Agarwal	1 Jan 22	3.33 Yr.

Data below for Principal Ultra Short Term Fund as on 31 Mar 25

Asset Allocation

Asset Class	Value
Cash	85.72%
Debt	14.04%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	48.52%
Cash Equivalent	44.97%
Government	6.28%

Credit Quality

Rating	Value
AA	8.65%
AAA	91.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bharti Telecom Limited Debentures \| -	3%	₹70 Cr	7,000
Rural Electrification Corporation Limited Debentures \| -	2%	₹55 Cr	5,500
182 Days Tbill Red 23-05-2025 Sovereign Bonds \| -	2%	₹40 Cr	4,000,000
Shriram Finance Limited Debentures \| -	1%	₹30 Cr	3,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹28 Cr	600
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹25 Cr	2,500
Hdb Financial Services Limited Debentures \| -	1%	₹25 Cr	250
182 Days Tbill (Md 01/05/2025) Sovereign Bonds \| -	1%	₹25 Cr	2,500,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹25 Cr	250
Cholamandalam Investment And Fin. Co. Ltd Debentures \| -	1%	₹20 Cr	200

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.