Should I invest in Principal Growth Fund?

We don't give personal investment advice. Principal Growth Fund-Growth 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: 39.9%. 5-year CAGR: 18.62%.

PRINCIPAL

Principal Growth Fund-Growth 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	+0.41%	+0.06%	+0.35	76 / 299	Q2
1W	+0.99%	-3.61%	+4.60	73 / 303	Q1
2W	-0.34%	-4.52%	+4.18	150 / 303	Q2
1M	+2.18%	-5.64%	+7.82	87 / 302	Q2
3M	+3.50%	-4.27%	+7.77	110 / 302	Q2
6M	+17.35%	+1.48%	+15.87	54 / 307	Q1
YTD	+44.15%	-0.18%	+44.33	13 / 309	Q1
1Y	+44.95%	+7.10%	+37.85	31 / 307	Q1
2Y	+28.97%	+2.20%	+26.77	20 / 303	Q1
3Y	+20.02%	+0.76%	+19.26	27 / 264	Q1
4Y	+12.19%	+0.58%	+11.61	49 / 235	Q1
5Y	+18.62%	+0.02%	+18.60	10 / 208	Q1
7Y	+14.38%	+3.12%	+11.26	14 / 130	Q1
10Y	+19.73%	+7.20%	+12.52	2 / 68	Q1
Inception	+10.69%	+0.51%	+10.18	51 / 310	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	+44.15%	+35.98%	+8.17	5 / 17
2020	+14.86%	-9.83%	+24.69	7 / 39
2019	+3.64%	+4.81%	-1.16	26 / 39
2018	-8.36%	-8.44%	+0.07	30 / 55
2017	+47.39%	+29.57%	+17.82	6 / 65
2016	+5.70%	+1.07%	+4.63	21 / 88
2015	+2.49%	-3.94%	+6.43	26 / 99
2014	+48.93%	+34.59%	+14.34	23 / 133
2013	+7.23%	+0.03%	+7.21	27 / 154
2012	+45.68%	+23.57%	+22.11	10 / 190
2011	-30.91%	-23.68%	-7.23	215 / 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

+14.93%

180 windows

min -64.6% · max 93.2%

70% positive

3-Year rolling

+10.38%

156 windows

min -14.9% · max 30.9%

81% positive

5-Year rolling

+11.46%

132 windows

min -5.9% · max 23.8%

86% positive

7-Year rolling

+12.33%

107 windows

min 1.2% · max 20.6%

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

22.84%

3-year · annualised

Sharpe ratio

0.64

vs risk-free 6.5%

Sortino ratio

0.90

Downside-only deviation

Max drawdown

-36.68%

Feb 2020 → 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	₹239.3900
29 Dec 2021	₹238.4100
28 Dec 2021	₹239.6400
27 Dec 2021	₹236.3300
24 Dec 2021	₹235.8700
23 Dec 2021	₹237.0400
22 Dec 2021	₹235.6100
21 Dec 2021	₹231.6500
20 Dec 2021	₹228.0700
17 Dec 2021	₹235.6500

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-Growth 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-Growth 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-Growth 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-Growth Plan has delivered a absolute return of 44.95% — +37.85 pp ahead of the Growth category average of 7.10%. The fund ranks #31 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Principal Growth Fund-Growth Plan has delivered a CAGR of 20.02% — +19.26 pp ahead of the Growth category average of 0.76%. The fund ranks #27 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Principal Growth Fund-Growth Plan has delivered a CAGR of 18.62% — +18.6 pp ahead of the Growth category average of 0.02%. The fund ranks #10 of 208 in its category — the top (Q1) quartile.

₹1 lakh invested in Principal Growth Fund-Growth Plan exactly 10 years ago would be worth approximately ₹605,130 today — a multiplier of 6.05×, based on the 10-year CAGR of 19.73%. The category average over the same window would have grown ₹1 lakh to ₹200,432.

A ₹10,000 monthly SIP in Principal Growth Fund-Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹1,002,510 today. That's an XIRR (money-weighted annualised return) of 20.62%.

A ₹10,000 monthly SIP for 10 years in Principal Growth Fund-Growth Plan = ₹1,200,000 invested. It would currently be worth ₹3,112,542 (multiplier 2.59×). XIRR: 18.11%. 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-Growth Plan ranks #10 out of 208 funds in the Growth category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 0.02%; this fund delivered 18.62%.

The worst peak-to-trough decline Principal Growth Fund-Growth Plan has experienced over the last 5-year window is 39.93% — its NAV fell from a high on 23 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 Growth Fund-Growth Plan averaged 11.46% (best 23.83%, worst -5.86%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is 0.64 — reasonable risk-adjusted performance.

In calendar year 2020, Principal Growth Fund-Growth Plan returned 14.86% — beating the Growth category average of -9.83% by 24.69 pp. It ranked #7 of 39 in its category that year.

Principal Growth Fund-Growth 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-Growth 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: 39.9%. 5-year CAGR: 18.62%.

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