Should I invest in Principal Services Industries Fund?

We don't give personal investment advice. Principal Services Industries Fund-DIVIDEND 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: 65.0%. 5-year CAGR: -3.11%.

PRINCIPAL

Principal Services Industries Fund-DIVIDEND

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	+0.09%	+0.06%	+0.03	119 / 299	Q2
1W	+0.28%	-3.61%	+3.89	115 / 303	Q2
2W	+2.74%	-4.52%	+7.26	54 / 303	Q1
1M	-2.43%	-5.64%	+3.21	188 / 302	Q3
3M	+4.02%	-4.27%	+8.29	101 / 302	Q2
6M	-6.86%	+1.48%	-8.34	227 / 307	Q3
YTD	+8.06%	-0.18%	+8.24	107 / 309	Q2
1Y	-5.65%	+7.10%	-12.75	212 / 307	Q3
2Y	-8.42%	+2.20%	-10.63	230 / 303	Q4
3Y	-2.73%	+0.76%	-3.49	187 / 264	Q3
4Y	-1.21%	+0.58%	-1.79	182 / 235	Q4
5Y	-3.11%	+0.02%	-3.13	183 / 208	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.09%	+0.51%	-0.60	233 / 310	Q4

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
2012 YTD	+8.06%	+23.57%	-15.51	180 / 190
2011	-29.11%	-23.68%	-5.43	201 / 241
2010	+1.88%	+11.69%	-9.81	211 / 256
2009	+78.61%	+65.86%	+12.75	72 / 238
2008	-59.89%	-52.86%	-7.04	138 / 198
2007	+57.73%	+42.91%	+14.81	38 / 137
2006	—	—	—	—

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

+7.53%

66 windows

min -59.8% · max 97.7%

52% positive

3-Year rolling

+3.16%

42 windows

min -11.7% · max 18.3%

64% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+0.83%

17 windows

min -3.4% · max 7.9%

47% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

17.38%

3-year · annualised

Sharpe ratio

-0.43

vs risk-free 6.5%

Sortino ratio

-0.59

Downside-only deviation

Max drawdown

-33.17%

Nov 2010 → Dec 2011

% positive months

50.0%

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
10 Aug 2012	₹10.8600
9 Aug 2012	₹10.8500
8 Aug 2012	₹10.9300
7 Aug 2012	₹11.0000
6 Aug 2012	₹10.9000
3 Aug 2012	₹10.8300
2 Aug 2012	₹10.8200
1 Aug 2012	₹10.8100
31 Jul 2012	₹10.7600
30 Jul 2012	₹10.7400

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 Services Industries Fund-DIVIDEND 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 Services Industries Fund-DIVIDEND 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 Services Industries Fund-DIVIDEND 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 Services Industries Fund-DIVIDEND has delivered a absolute return of -5.65% — -12.75 pp behind the Growth category average of 7.10%. The fund ranks #212 of 307 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Principal Services Industries Fund-DIVIDEND has delivered a CAGR of -2.73% — -3.49 pp behind the Growth category average of 0.76%. The fund ranks #187 of 264 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Principal Services Industries Fund-DIVIDEND has delivered a CAGR of -3.11% — -3.13 pp behind the Growth category average of 0.02%. The fund ranks #183 of 208 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Principal Services Industries Fund-DIVIDEND exactly 5 years ago would be worth approximately ₹85,377 today — a multiplier of 0.85×, based on the 5-year CAGR of -3.11%. The category average over the same window would have grown ₹1 lakh to ₹100,100.

A ₹10,000 monthly SIP in Principal Services Industries Fund-DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹566,664 today. That's an XIRR (money-weighted annualised return) of -2.24%.

Principal Services Industries Fund-DIVIDEND doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹566,664 — XIRR -2.24%.

On a 5-year basis, Principal Services Industries Fund-DIVIDEND ranks #183 out of 208 funds in the Growth category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 0.02%; this fund delivered -3.11%.

The worst peak-to-trough decline Principal Services Industries Fund-DIVIDEND has experienced over the last 5-year window is 64.98% — its NAV fell from a high on 07 Jan 2008 to a low on 20 Nov 2008. 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 Services Industries Fund-DIVIDEND averaged 0.83% (best 7.86%, worst -3.43%). 47% of rolling windows ended positive. The 5-year Sharpe ratio is -0.15 — negative risk-adjusted performance.

In calendar year 2011, Principal Services Industries Fund-DIVIDEND returned -29.11% — lagging the Growth category average of -23.68% by 5.43 pp. It ranked #201 of 241 in its category that year.

Principal Services Industries Fund-DIVIDEND 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 Services Industries Fund-DIVIDEND 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: 65.0%. 5-year CAGR: -3.11%.

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