Should I invest in Principal Large Cap Fund?

We don't give personal investment advice. Principal Large Cap 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: 32.8%. 5-year CAGR: 18.18%.

PRINCIPAL

Principal Large Cap 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	-0.23%	+0.06%	-0.29	211 / 299	Q3
1W	+0.31%	-3.61%	+3.92	110 / 303	Q2
2W	-1.30%	-4.52%	+3.22	178 / 303	Q3
1M	+0.66%	-5.64%	+6.30	122 / 302	Q2
3M	+0.55%	-4.27%	+4.82	141 / 302	Q2
6M	+9.90%	+1.48%	+8.42	96 / 307	Q2
YTD	+31.95%	-0.18%	+32.13	27 / 309	Q1
1Y	+32.96%	+7.10%	+25.86	52 / 307	Q1
2Y	+25.87%	+2.20%	+23.67	30 / 303	Q1
3Y	+20.98%	+0.76%	+20.22	25 / 264	Q1
4Y	+15.21%	+0.58%	+14.63	29 / 235	Q1
5Y	+18.18%	+0.02%	+18.16	13 / 208	Q1
7Y	+13.34%	+3.12%	+10.22	16 / 130	Q1
10Y	+16.89%	+7.20%	+9.69	3 / 68	Q1
Inception	+13.48%	+0.51%	+12.97	36 / 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	+31.95%	+35.98%	-4.03	8 / 17
2020	+19.61%	-9.83%	+29.44	5 / 39
2019	+11.52%	+4.81%	+6.71	7 / 39
2018	-0.48%	-8.44%	+7.95	11 / 55
2017	+30.81%	+29.57%	+1.24	32 / 65
2016	+3.43%	+1.07%	+2.36	31 / 88
2015	+0.37%	-3.94%	+4.32	48 / 99
2014	+43.29%	+34.59%	+8.70	40 / 133
2013	+2.03%	+0.03%	+2.01	66 / 154
2012	+33.87%	+23.57%	+10.30	37 / 190
2011	-25.71%	-23.68%	-2.02	155 / 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

+17.35%

180 windows

min -61.0% · max 132.4%

78% positive

3-Year rolling

+12.37%

156 windows

min -2.8% · max 32.8%

97% positive

5-Year rolling

+12.19%

132 windows

min 0.8% · max 23.9%

100% positive

7-Year rolling

+12.50%

107 windows

min 5.9% · max 22.8%

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

20.99%

3-year · annualised

Sharpe ratio

0.71

vs risk-free 6.5%

Sortino ratio

1.08

Downside-only deviation

Max drawdown

-32.84%

Feb 2020 → Mar 2020

% positive months

69.4%

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	₹109.2300
29 Dec 2021	₹109.4800
28 Dec 2021	₹109.6300
27 Dec 2021	₹108.7400
24 Dec 2021	₹108.0800
23 Dec 2021	₹108.8900
22 Dec 2021	₹108.3200
21 Dec 2021	₹106.9300
20 Dec 2021	₹105.7700
17 Dec 2021	₹108.7400

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 Large Cap 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 Large Cap 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 Large Cap 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 Large Cap Fund-Growth has delivered a absolute return of 32.96% — +25.86 pp ahead of the Growth category average of 7.10%. The fund ranks #52 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Principal Large Cap Fund-Growth has delivered a CAGR of 20.98% — +20.22 pp ahead of the Growth category average of 0.76%. The fund ranks #25 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Principal Large Cap Fund-Growth has delivered a CAGR of 18.18% — +18.16 pp ahead of the Growth category average of 0.02%. The fund ranks #13 of 208 in its category — the top (Q1) quartile.

₹1 lakh invested in Principal Large Cap Fund-Growth exactly 10 years ago would be worth approximately ₹476,154 today — a multiplier of 4.76×, based on the 10-year CAGR of 16.89%. The category average over the same window would have grown ₹1 lakh to ₹200,432.

A ₹10,000 monthly SIP in Principal Large Cap Fund-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹995,840 today. That's an XIRR (money-weighted annualised return) of 20.34%.

A ₹10,000 monthly SIP for 10 years in Principal Large Cap Fund-Growth = ₹1,200,000 invested. It would currently be worth ₹2,851,023 (multiplier 2.38×). XIRR: 16.49%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Principal Large Cap Fund-Growth ranks #13 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 18.18%.

The worst peak-to-trough decline Principal Large Cap Fund-Growth has experienced over the last 5-year window is 32.84% — its NAV fell from a high on 19 Feb 2020 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 Large Cap Fund-Growth averaged 12.19% (best 23.89%, worst 0.84%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.66 — reasonable risk-adjusted performance.

In calendar year 2020, Principal Large Cap Fund-Growth returned 19.61% — beating the Growth category average of -9.83% by 29.44 pp. It ranked #5 of 39 in its category that year.

Principal Large Cap 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 Large Cap 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: 32.8%. 5-year CAGR: 18.18%.

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