Should I invest in Principal Growth Fund?

We don't give personal investment advice. Principal Growth Fund-Dividend Plan is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 50.5%. 5-year CAGR: 7.22%.

PRINCIPAL

Principal Growth Fund-Dividend Plan

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	+0.42%	+0.06%	+0.36	74 / 299	Q1
1W	+1.00%	-3.61%	+4.61	70 / 303	Q1
2W	-4.04%	-4.52%	+0.48	244 / 303	Q4
1M	-1.59%	-5.64%	+4.04	169 / 302	Q3
3M	-0.32%	-4.27%	+3.95	149 / 302	Q2
6M	+13.01%	+1.48%	+11.53	76 / 307	Q1
YTD	+33.98%	-0.18%	+34.16	22 / 309	Q1
1Y	+34.70%	+7.10%	+27.60	47 / 307	Q1
2Y	+21.52%	+2.20%	+19.32	53 / 303	Q1
3Y	+15.36%	+0.76%	+14.60	54 / 264	Q1
4Y	+8.90%	+0.58%	+8.32	86 / 235	Q2
5Y	+7.22%	+0.02%	+7.20	85 / 208	Q2
7Y	+4.97%	+3.12%	+1.86	94 / 130	Q3
10Y	+11.35%	+7.20%	+4.15	15 / 68	Q1
Inception	+5.27%	+0.51%	+4.76	145 / 310	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	+33.98%	+35.98%	-2.00	7 / 17
2020	+9.77%	-9.83%	+19.59	17 / 39
2019	+3.64%	+4.81%	-1.17	27 / 39
2018	-8.38%	-8.44%	+0.06	31 / 55
2017	+0.16%	+29.57%	-29.41	63 / 65
2016	-1.75%	+1.07%	-2.82	58 / 88
2015	+0.21%	-3.94%	+4.15	49 / 99
2014	+31.63%	+34.59%	-2.96	78 / 133
2013	+7.20%	+0.03%	+7.18	29 / 154
2012	+45.62%	+23.57%	+22.05	11 / 190
2011	-30.87%	-23.68%	-7.19	212 / 241

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

+9.29%

180 windows

min -66.7% · max 93.2%

58% positive

3-Year rolling

+4.74%

156 windows

min -16.8% · max 29.9%

56% positive

5-Year rolling

+5.41%

132 windows

min -7.1% · max 19.4%

70% positive

7-Year rolling

+6.46%

107 windows

min 0.2% · max 18.5%

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

22.72%

3-year · annualised

Sharpe ratio

0.47

vs risk-free 6.5%

Sortino ratio

0.65

Downside-only deviation

Max drawdown

-36.69%

Feb 2020 → Mar 2020

% positive months

63.9%

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	₹52.5600
29 Dec 2021	₹52.3400
28 Dec 2021	₹52.6100
27 Dec 2021	₹51.8800
24 Dec 2021	₹51.7800
23 Dec 2021	₹52.0400
22 Dec 2021	₹51.7300
21 Dec 2021	₹50.8600
20 Dec 2021	₹50.0700
17 Dec 2021	₹53.7300

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

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

Over the trailing 1-year window, Principal Growth Fund-Dividend Plan has delivered a absolute return of 34.70% — +27.6 pp ahead of the Growth category average of 7.10%. The fund ranks #47 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Principal Growth Fund-Dividend Plan has delivered a CAGR of 15.36% — +14.6 pp ahead of the Growth category average of 0.76%. The fund ranks #54 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Principal Growth Fund-Dividend Plan has delivered a CAGR of 7.22% — +7.2 pp ahead of the Growth category average of 0.02%. The fund ranks #85 of 208 in its category — the second (Q2) quartile.

₹1 lakh invested in Principal Growth Fund-Dividend Plan exactly 10 years ago would be worth approximately ₹293,139 today — a multiplier of 2.93×, based on the 10-year CAGR of 11.35%. The category average over the same window would have grown ₹1 lakh to ₹200,432.

A ₹10,000 monthly SIP in Principal Growth Fund-Dividend Plan over the last 5 years — total invested ₹600,000 — would be worth ₹851,765 today. That's an XIRR (money-weighted annualised return) of 13.97%.

A ₹10,000 monthly SIP for 10 years in Principal Growth Fund-Dividend Plan = ₹1,200,000 invested. It would currently be worth ₹1,916,154 (multiplier 1.60×). XIRR: 9.04%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Principal Growth Fund-Dividend Plan ranks #85 out of 208 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.02%; this fund delivered 7.22%.

The worst peak-to-trough decline Principal Growth Fund-Dividend Plan has experienced over the last 5-year window is 50.45% — its NAV fell from a high on 16 Jun 2017 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 Growth Fund-Dividend Plan averaged 5.41% (best 19.37%, worst -7.12%). 70% of rolling windows ended positive. The 5-year Sharpe ratio is 0.15 — weak risk-adjusted performance.

In calendar year 2020, Principal Growth Fund-Dividend Plan returned 9.77% — beating the Growth category average of -9.83% by 19.59 pp. It ranked #17 of 39 in its category that year.

Principal Growth Fund-Dividend Plan doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

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

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 50.5%. 5-year CAGR: 7.22%.

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