Should I invest in Principal Services Industries Fund?

We don't give personal investment advice. Principal Services Industries 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: 65.0%. 5-year CAGR: -0.75%.

PRINCIPAL

Principal Services Industries Fund-GROWTH

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	+0.16%	+0.06%	+0.10	105 / 299	Q2
1W	+0.33%	-3.61%	+3.94	108 / 303	Q2
2W	+2.77%	-4.52%	+7.29	52 / 303	Q1
1M	-2.39%	-5.64%	+3.25	186 / 302	Q3
3M	+3.99%	-4.27%	+8.26	104 / 302	Q2
6M	-6.84%	+1.48%	-8.32	226 / 307	Q3
YTD	+8.02%	-0.18%	+8.21	108 / 309	Q2
1Y	-5.62%	+7.10%	-12.73	211 / 307	Q3
2Y	-8.40%	+2.20%	-10.60	229 / 303	Q4
3Y	+1.28%	+0.76%	+0.53	166 / 264	Q3
4Y	+1.81%	+0.58%	+1.23	149 / 235	Q3
5Y	-0.75%	+0.02%	-0.77	167 / 208	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.82%	+0.51%	+1.31	211 / 310	Q3

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	+8.02%	+23.57%	-15.54	181 / 190
2011	-29.06%	-23.68%	-5.38	200 / 241
2010	+15.02%	+11.69%	+3.33	106 / 256
2009	+78.48%	+65.86%	+12.62	73 / 238
2008	-59.89%	-52.86%	-7.04	139 / 198
2007	+57.73%	+42.91%	+14.81	39 / 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

+10.15%

66 windows

min -59.8% · max 97.7%

55% positive

3-Year rolling

+6.16%

42 windows

min -11.7% · max 23.2%

86% positive

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

5-Year rolling

+3.29%

17 windows

min -1.1% · max 10.5%

76% 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

16.74%

3-year · annualised

Sharpe ratio

-0.21

vs risk-free 6.5%

Sortino ratio

-0.30

Downside-only deviation

Max drawdown

-33.15%

Nov 2010 → Dec 2011

% positive months

52.8%

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	₹12.2500
9 Aug 2012	₹12.2300
8 Aug 2012	₹12.3300
7 Aug 2012	₹12.4000
6 Aug 2012	₹12.3000
3 Aug 2012	₹12.2100
2 Aug 2012	₹12.2000
1 Aug 2012	₹12.1900
31 Jul 2012	₹12.1400
30 Jul 2012	₹12.1100

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-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 Services Industries 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 Services Industries 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 Services Industries Fund-GROWTH has delivered a absolute return of -5.62% — -12.73 pp behind the Growth category average of 7.10%. The fund ranks #211 of 307 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Principal Services Industries Fund-GROWTH has delivered a CAGR of 1.28% — +0.53 pp ahead of the Growth category average of 0.76%. The fund ranks #166 of 264 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Principal Services Industries Fund-GROWTH has delivered a CAGR of -0.75% — -0.77 pp behind the Growth category average of 0.02%. The fund ranks #167 of 208 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Principal Services Industries Fund-GROWTH exactly 5 years ago would be worth approximately ₹96,305 today — a multiplier of 0.96×, based on the 5-year CAGR of -0.75%. 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-GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹605,723 today. That's an XIRR (money-weighted annualised return) of 0.37%.

Principal Services Industries Fund-GROWTH doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹605,723 — XIRR 0.37%.

On a 5-year basis, Principal Services Industries Fund-GROWTH ranks #167 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 -0.75%.

The worst peak-to-trough decline Principal Services Industries Fund-GROWTH 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-GROWTH averaged 3.29% (best 10.48%, worst -1.09%). 76% of rolling windows ended positive. The 5-year Sharpe ratio is -0.08 — negative risk-adjusted performance.

In calendar year 2011, Principal Services Industries Fund-GROWTH returned -29.06% — lagging the Growth category average of -23.68% by 5.38 pp. It ranked #200 of 241 in its category that year.

Principal Services Industries 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 Services Industries 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: 65.0%. 5-year CAGR: -0.75%.

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