Should I invest in Principal Balanced Fund?

We don't give personal investment advice. Principal Balanced Fund-Dividend is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 44.7%. 5-year CAGR: 3.76%.

PRINCIPAL

Principal Balanced Fund-Dividend

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.04%	+0.06%	-0.09	29 / 37	Q4
1W	+0.46%	-7.52%	+7.98	19 / 40	Q2
2W	-1.14%	-7.64%	+6.50	35 / 40	Q4
1M	+0.39%	-7.66%	+8.05	16 / 40	Q2
3M	-1.99%	-9.18%	+7.19	22 / 40	Q3
6M	+6.81%	-5.67%	+12.48	9 / 39	Q1
YTD	+15.93%	-3.70%	+19.63	6 / 40	Q1
1Y	+16.21%	-4.99%	+21.20	7 / 41	Q1
2Y	+10.56%	-11.97%	+22.53	13 / 40	Q2
3Y	+3.49%	-14.60%	+18.09	16 / 38	Q2
4Y	-0.78%	-20.79%	+20.01	18 / 29	Q3
5Y	+3.76%	-6.40%	+10.16	11 / 25	Q2
7Y	+3.31%	-10.74%	+14.06	11 / 19	Q3
10Y	+8.27%	+8.18%	+0.09	6 / 12	Q2
Inception	+3.21%	-12.19%	+15.40	17 / 44	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2021 YTD	+15.93%	+21.97%	-6.04	5 / 6
2020	+5.00%	+9.70%	-4.70	5 / 6
2019	-9.43%	+0.00%	-9.43	6 / 6
2018	-12.57%	-5.84%	-6.73	11 / 12
2017	+23.23%	+22.13%	+1.10	5 / 12
2016	+3.94%	+3.05%	+0.89	9 / 14
2015	+0.00%	-3.73%	+3.73	7 / 14
2014	+22.14%	+7.48%	+14.67	13 / 19
2013	+6.49%	+0.94%	+5.55	2 / 21
2012	+34.06%	+19.42%	+14.63	1 / 25
2011	-22.00%	-16.46%	-5.54	18 / 29

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+6.10%

180 windows

min -55.3% · max 81.3%

62% positive

3-Year rolling

+4.16%

156 windows

min -18.5% · max 22.6%

68% positive

5-Year rolling

+5.37%

132 windows

min -5.7% · max 18.0%

73% positive

7-Year rolling

+6.11%

107 windows

min -0.8% · max 15.7%

99% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

16.93%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.12

Downside-only deviation

Max drawdown

-35.50%

Apr 2019 → Mar 2020

% positive months

55.6%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
30 Dec 2021	₹28.5300
29 Dec 2021	₹28.5400
28 Dec 2021	₹28.5900
27 Dec 2021	₹28.3800
24 Dec 2021	₹28.2800
23 Dec 2021	₹28.4000
22 Dec 2021	₹28.2700
21 Dec 2021	₹27.9600
20 Dec 2021	₹27.7200
17 Dec 2021	₹28.4900

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

Principal Balanced Fund-Dividend is a Balanced from PRINCIPAL (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Principal Balanced Fund-Dividend has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Principal Balanced Fund-Dividend is managed by PRINCIPAL. It's classified by AMFI under the 'Balanced' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Principal Balanced Fund-Dividend has delivered a absolute return of 16.21% — +21.2 pp ahead of the Balanced category average of -4.99%. The fund ranks #7 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Principal Balanced Fund-Dividend has delivered a CAGR of 3.49% — +18.09 pp ahead of the Balanced category average of -14.60%. The fund ranks #16 of 38 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Principal Balanced Fund-Dividend has delivered a CAGR of 3.76% — +10.16 pp ahead of the Balanced category average of -6.40%. The fund ranks #11 of 25 in its category — the second (Q2) quartile.

₹1 lakh invested in Principal Balanced Fund-Dividend exactly 10 years ago would be worth approximately ₹221,335 today — a multiplier of 2.21×, based on the 10-year CAGR of 8.27%. The category average over the same window would have grown ₹1 lakh to ₹219,429.

A ₹10,000 monthly SIP in Principal Balanced Fund-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹682,728 today. That's an XIRR (money-weighted annualised return) of 5.10%.

A ₹10,000 monthly SIP for 10 years in Principal Balanced Fund-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,573,473 (multiplier 1.31×). XIRR: 5.29%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Principal Balanced Fund-Dividend ranks #11 out of 25 funds in the Balanced category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -6.40%; this fund delivered 3.76%.

The worst peak-to-trough decline Principal Balanced Fund-Dividend has experienced over the last 5-year window is 44.71% — its NAV fell from a high on 15 Jan 2018 to a low on 23 Mar 2020. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Principal Balanced Fund-Dividend averaged 5.37% (best 17.97%, worst -5.66%). 73% of rolling windows ended positive. The 5-year Sharpe ratio is -0.11 — negative risk-adjusted performance.

In calendar year 2020, Principal Balanced Fund-Dividend returned 5.00% — lagging the Balanced category average of 9.70% by 4.70 pp. It ranked #5 of 6 in its category that year.

Principal Balanced Fund-Dividend is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. Principal Balanced Fund-Dividend is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 44.7%. 5-year CAGR: 3.76%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.