Should I invest in Principal Index Fund?

We don't give personal investment advice. Principal Index Fund-Growth 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: 41.3%. 5-year CAGR: 13.77%.

PRINCIPAL

Principal Index 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	-0.29%	+0.06%	-0.35	218 / 299	Q3
1W	-0.02%	-3.61%	+3.59	156 / 303	Q3
2W	-0.93%	-4.52%	+3.59	168 / 303	Q3
1M	+0.94%	-5.64%	+6.58	111 / 302	Q2
3M	-2.47%	-4.27%	+1.80	170 / 302	Q3
6M	+7.72%	+1.48%	+6.24	108 / 307	Q2
YTD	+29.65%	-0.18%	+29.83	35 / 309	Q1
1Y	+30.46%	+7.10%	+23.36	56 / 307	Q1
2Y	+22.03%	+2.20%	+19.82	49 / 303	Q1
3Y	+15.25%	+0.76%	+14.49	56 / 264	Q1
4Y	+10.53%	+0.58%	+9.95	67 / 235	Q2
5Y	+13.77%	+0.02%	+13.75	34 / 208	Q1
7Y	+9.55%	+3.12%	+6.44	46 / 130	Q2
10Y	+13.00%	+7.20%	+5.80	11 / 68	Q1
Inception	+9.58%	+0.51%	+9.07	68 / 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	+29.65%	+35.98%	-6.33	11 / 17
2020	+14.15%	-9.83%	+23.97	10 / 39
2019	+2.76%	+4.81%	-2.04	29 / 39
2018	-2.49%	-8.44%	+5.95	18 / 55
2017	+27.83%	+29.57%	-1.74	42 / 65
2016	+3.15%	+1.07%	+2.08	32 / 88
2015	-3.89%	-3.94%	+0.05	69 / 99
2014	+31.20%	+34.59%	-3.39	82 / 133
2013	+6.89%	+0.03%	+6.86	30 / 154
2012	+26.91%	+23.57%	+3.34	86 / 190
2011	-24.31%	-23.68%	-0.63	134 / 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

+12.56%

180 windows

min -54.3% · max 90.9%

73% positive

3-Year rolling

+8.32%

156 windows

min -5.3% · max 26.4%

90% positive

5-Year rolling

+8.61%

132 windows

min -1.9% · max 18.9%

97% positive

7-Year rolling

+8.97%

107 windows

min 3.3% · max 16.7%

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

24.34%

3-year · annualised

Sharpe ratio

0.45

vs risk-free 6.5%

Sortino ratio

0.65

Downside-only deviation

Max drawdown

-38.13%

Jan 2020 → Mar 2020

% positive months

58.3%

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	₹107.8205
29 Dec 2021	₹108.1342
28 Dec 2021	₹108.2189
27 Dec 2021	₹107.2735
24 Dec 2021	₹106.8306
23 Dec 2021	₹107.8377
22 Dec 2021	₹106.8238
21 Dec 2021	₹105.4625
20 Dec 2021	₹103.9660
17 Dec 2021	₹106.7262

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 Index Fund-Growth 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 Index 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 Index Fund-Growth 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 Index Fund-Growth has delivered a absolute return of 30.46% — +23.36 pp ahead of the Growth category average of 7.10%. The fund ranks #56 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Principal Index Fund-Growth has delivered a CAGR of 15.25% — +14.49 pp ahead of the Growth category average of 0.76%. The fund ranks #56 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Principal Index Fund-Growth has delivered a CAGR of 13.77% — +13.75 pp ahead of the Growth category average of 0.02%. The fund ranks #34 of 208 in its category — the top (Q1) quartile.

₹1 lakh invested in Principal Index Fund-Growth exactly 10 years ago would be worth approximately ₹339,571 today — a multiplier of 3.40×, based on the 10-year CAGR of 13.00%. The category average over the same window would have grown ₹1 lakh to ₹200,432.

A ₹10,000 monthly SIP in Principal Index Fund-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹896,892 today. That's an XIRR (money-weighted annualised return) of 16.06%.

A ₹10,000 monthly SIP for 10 years in Principal Index Fund-Growth = ₹1,200,000 invested. It would currently be worth ₹2,296,016 (multiplier 1.91×). XIRR: 12.45%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Principal Index Fund-Growth ranks #34 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 13.77%.

The worst peak-to-trough decline Principal Index Fund-Growth has experienced over the last 5-year window is 41.31% — 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 Index Fund-Growth averaged 8.61% (best 18.89%, worst -1.88%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is 0.42 — weak risk-adjusted performance.

In calendar year 2020, Principal Index Fund-Growth returned 14.15% — beating the Growth category average of -9.83% by 23.97 pp. It ranked #10 of 39 in its category that year.

Principal Index Fund-Growth 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 Index Fund-Growth 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: 41.3%. 5-year CAGR: 13.77%.

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