Should I invest in Principal Balanced Fund?

We don't give personal investment advice. Principal Balanced Fund-Growth 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: 28.3%. 5-year CAGR: 14.67%.

PRINCIPAL

Principal Balanced Fund-Growth

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

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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%	-0.10	30 / 37	Q4
1W	+0.47%	-7.52%	+7.99	18 / 40	Q2
2W	-0.56%	-7.64%	+7.08	30 / 40	Q3
1M	+0.96%	-7.66%	+8.62	11 / 40	Q2
3M	-0.35%	-9.18%	+8.83	15 / 40	Q2
6M	+10.40%	-5.67%	+16.07	4 / 39	Q1
YTD	+24.13%	-3.70%	+27.83	3 / 40	Q1
1Y	+24.43%	-4.99%	+29.42	5 / 41	Q1
2Y	+20.27%	-11.97%	+32.24	5 / 40	Q1
3Y	+13.90%	-14.60%	+28.49	3 / 38	Q1
4Y	+9.88%	-20.79%	+30.67	7 / 29	Q1
5Y	+14.67%	-6.40%	+21.07	3 / 25	Q1
7Y	+12.26%	-10.74%	+23.00	3 / 19	Q1
10Y	+15.87%	+8.18%	+7.69	1 / 12	Q1
Inception	+10.99%	-12.19%	+23.18	5 / 44	Q1

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	+24.13%	+21.97%	+2.16	3 / 6
2020	+16.08%	+9.70%	+6.38	2 / 6
2019	+2.03%	+0.00%	+2.02	3 / 6
2018	-1.35%	-5.84%	+4.49	4 / 12
2017	+35.04%	+22.13%	+12.91	1 / 12
2016	+9.60%	+3.05%	+6.55	2 / 14
2015	+2.89%	-3.73%	+6.62	4 / 14
2014	+34.69%	+7.48%	+27.21	4 / 19
2013	+6.48%	+0.94%	+5.54	3 / 21
2012	+33.92%	+19.42%	+14.50	2 / 25
2011	-22.03%	-16.46%	-5.57	19 / 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

+13.57%

180 windows

min -45.5% · max 81.1%

78% positive

3-Year rolling

+10.97%

156 windows

min -4.8% · max 23.2%

97% positive

5-Year rolling

+11.39%

132 windows

min 1.3% · max 20.2%

100% positive

7-Year rolling

+11.86%

107 windows

min 5.9% · max 17.3%

100% 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

16.88%

3-year · annualised

Sharpe ratio

0.48

vs risk-free 6.5%

Sortino ratio

0.69

Downside-only deviation

Max drawdown

-28.05%

Jun 2019 → Mar 2020

% positive months

66.7%

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	₹111.3300
29 Dec 2021	₹111.3700
28 Dec 2021	₹111.5700
27 Dec 2021	₹110.7200
24 Dec 2021	₹110.3400
23 Dec 2021	₹110.8100
22 Dec 2021	₹110.3100
21 Dec 2021	₹109.0800
20 Dec 2021	₹108.1700
17 Dec 2021	₹110.5200

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-Growth 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-Growth 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-Growth 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-Growth has delivered a absolute return of 24.43% — +29.42 pp ahead of the Balanced category average of -4.99%. The fund ranks #5 of 41 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Principal Balanced Fund-Growth has delivered a CAGR of 13.90% — +28.49 pp ahead of the Balanced category average of -14.60%. The fund ranks #3 of 38 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Principal Balanced Fund-Growth has delivered a CAGR of 14.67% — +21.07 pp ahead of the Balanced category average of -6.40%. The fund ranks #3 of 25 in its category — the top (Q1) quartile.

₹1 lakh invested in Principal Balanced Fund-Growth exactly 10 years ago would be worth approximately ₹436,074 today — a multiplier of 4.36×, based on the 10-year CAGR of 15.87%. The category average over the same window would have grown ₹1 lakh to ₹219,429.

A ₹10,000 monthly SIP in Principal Balanced Fund-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹873,060 today. That's an XIRR (money-weighted annualised return) of 14.97%.

A ₹10,000 monthly SIP for 10 years in Principal Balanced Fund-Growth = ₹1,200,000 invested. It would currently be worth ₹2,563,600 (multiplier 2.14×). XIRR: 14.51%. 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-Growth ranks #3 out of 25 funds in the Balanced category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -6.40%; this fund delivered 14.67%.

The worst peak-to-trough decline Principal Balanced Fund-Growth has experienced over the last 5-year window is 28.31% — its NAV fell from a high on 31 Aug 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-Growth averaged 11.39% (best 20.23%, worst 1.30%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.57 — reasonable risk-adjusted performance.

In calendar year 2020, Principal Balanced Fund-Growth returned 16.08% — beating the Balanced category average of 9.70% by 6.38 pp. It ranked #2 of 6 in its category that year.

Principal Balanced Fund-Growth 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-Growth 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: 28.3%. 5-year CAGR: 14.67%.

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