Should I invest in Principal Dividend Yield Fund?

We don't give personal investment advice. Principal Dividend Yield 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: 32.8%. 5-year CAGR: 18.04%.

PRINCIPAL

Principal Dividend Yield 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	-0.18%	+0.06%	-0.24	207 / 299	Q3
1W	+0.98%	-3.61%	+4.59	74 / 303	Q1
2W	+0.60%	-4.52%	+5.12	112 / 303	Q2
1M	+2.46%	-5.64%	+8.09	83 / 302	Q2
3M	-0.55%	-4.27%	+3.72	152 / 302	Q3
6M	+9.52%	+1.48%	+8.04	97 / 307	Q2
YTD	+30.54%	-0.18%	+30.72	30 / 309	Q1
1Y	+31.14%	+7.10%	+24.04	54 / 307	Q1
2Y	+25.70%	+2.20%	+23.49	32 / 303	Q1
3Y	+18.16%	+0.76%	+17.40	36 / 264	Q1
4Y	+11.98%	+0.58%	+11.40	54 / 235	Q1
5Y	+18.04%	+0.02%	+18.02	14 / 208	Q1
7Y	+13.08%	+3.12%	+9.96	18 / 130	Q1
10Y	+16.58%	+7.20%	+9.38	4 / 68	Q1
Inception	+10.65%	+0.51%	+10.13	52 / 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	+30.54%	+35.98%	-5.44	9 / 17
2020	+19.90%	-9.83%	+29.73	4 / 39
2019	+4.20%	+4.81%	-0.61	23 / 39
2018	-4.69%	-8.44%	+3.75	24 / 55
2017	+44.95%	+29.57%	+15.38	9 / 65
2016	+6.51%	+1.07%	+5.44	20 / 88
2015	-3.84%	-3.94%	+0.10	65 / 99
2014	+44.52%	+34.59%	+9.93	35 / 133
2013	-6.12%	+0.03%	-6.15	128 / 154
2012	+42.32%	+23.57%	+18.75	18 / 190
2011	-26.84%	-23.68%	-3.16	174 / 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

+14.86%

180 windows

min -55.4% · max 100.9%

70% positive

3-Year rolling

+11.18%

156 windows

min -13.2% · max 30.5%

96% positive

5-Year rolling

+11.49%

132 windows

min 1.8% · max 21.6%

100% positive

7-Year rolling

+11.58%

107 windows

min 4.6% · max 19.1%

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

20.89%

3-year · annualised

Sharpe ratio

0.60

vs risk-free 6.5%

Sortino ratio

0.88

Downside-only deviation

Max drawdown

-32.84%

Jan 2020 → Mar 2020

% positive months

72.2%

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	₹85.4900
29 Dec 2021	₹85.6400
28 Dec 2021	₹85.7900
27 Dec 2021	₹84.9200
24 Dec 2021	₹84.3500
23 Dec 2021	₹84.6600
22 Dec 2021	₹84.1100
21 Dec 2021	₹83.1100
20 Dec 2021	₹82.0700
17 Dec 2021	₹83.9900

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 Dividend Yield 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 Dividend Yield 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 Dividend Yield 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 Dividend Yield Fund-Growth Plan has delivered a absolute return of 31.14% — +24.04 pp ahead of the Growth category average of 7.10%. The fund ranks #54 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Principal Dividend Yield Fund-Growth Plan has delivered a CAGR of 18.16% — +17.4 pp ahead of the Growth category average of 0.76%. The fund ranks #36 of 264 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Principal Dividend Yield Fund-Growth Plan has delivered a CAGR of 18.04% — +18.02 pp ahead of the Growth category average of 0.02%. The fund ranks #14 of 208 in its category — the top (Q1) quartile.

₹1 lakh invested in Principal Dividend Yield Fund-Growth Plan exactly 10 years ago would be worth approximately ₹463,863 today — a multiplier of 4.64×, based on the 10-year CAGR of 16.58%. The category average over the same window would have grown ₹1 lakh to ₹200,432.

A ₹10,000 monthly SIP in Principal Dividend Yield Fund-Growth Plan over the last 5 years — total invested ₹600,000 — would be worth ₹954,770 today. That's an XIRR (money-weighted annualised return) of 18.61%.

A ₹10,000 monthly SIP for 10 years in Principal Dividend Yield Fund-Growth Plan = ₹1,200,000 invested. It would currently be worth ₹2,785,082 (multiplier 2.32×). XIRR: 16.05%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Principal Dividend Yield Fund-Growth Plan ranks #14 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 18.04%.

The worst peak-to-trough decline Principal Dividend Yield Fund-Growth Plan has experienced over the last 5-year window is 32.84% — its NAV fell from a high on 29 Jan 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 Dividend Yield Fund-Growth Plan averaged 11.49% (best 21.62%, worst 1.80%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.65 — reasonable risk-adjusted performance.

In calendar year 2020, Principal Dividend Yield Fund-Growth Plan returned 19.90% — beating the Growth category average of -9.83% by 29.73 pp. It ranked #4 of 39 in its category that year.

Principal Dividend Yield 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 Dividend Yield 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: 32.8%. 5-year CAGR: 18.04%.

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