Should I invest in Principal Pnb Long Term Equity Fund 3 Year Plan Series II?

We don't give personal investment advice. Principal Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option 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.

PRINCIPAL

Principal Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option

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	-0.24%	+0.06%	-0.30	216 / 299	Q3
1W	-0.47%	-3.61%	+3.14	188 / 303	Q3
2W	-0.55%	-4.52%	+3.97	159 / 303	Q3
1M	+5.22%	-5.64%	+10.85	43 / 302	Q1
3M	+10.81%	-4.27%	+15.08	34 / 302	Q1
6M	+15.97%	+1.48%	+14.49	59 / 307	Q1
YTD	+20.25%	-0.18%	+20.43	60 / 309	Q1
1Y	+35.07%	+7.10%	+27.97	45 / 307	Q1
2Y	+35.04%	+2.20%	+32.84	13 / 303	Q1
3Y	+7.64%	+0.76%	+6.89	114 / 264	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.69%	+0.51%	+7.17	102 / 310	Q2

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
2010 YTD	+20.25%	+11.69%	+8.56	55 / 256
2009	+117.04%	+65.86%	+51.18	4 / 238
2008	-65.90%	-52.86%	-13.05	180 / 198
2007	—	—	—	—

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

+27.44%

25 windows

min -64.7% · max 163.3%

56% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

—

Insufficient history

5-Year rolling

—

Insufficient history

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

39.47%

3-year · annualised

Sharpe ratio

0.22

vs risk-free 6.5%

Sortino ratio

0.34

Downside-only deviation

Max drawdown

-72.82%

Jan 2008 → Mar 2009

% positive months

61.1%

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
28 Sep 2010	₹12.7100
27 Sep 2010	₹12.7400
24 Sep 2010	₹12.8400
23 Sep 2010	₹12.7000
22 Sep 2010	₹12.6900
21 Sep 2010	₹12.7700
20 Sep 2010	₹12.8800
17 Sep 2010	₹12.8300
16 Sep 2010	₹12.6500
15 Sep 2010	₹12.7800

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 Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option 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 Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option has NAV history starting from 05 Oct 2007, a track record of about 18 years 8 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 Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option 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 Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option has delivered a absolute return of 35.07% — +27.97 pp ahead of the Growth category average of 7.10%. The fund ranks #45 of 307 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Principal Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option has delivered a CAGR of 7.64% — +6.89 pp ahead of the Growth category average of 0.76%. The fund ranks #114 of 264 in its category — the second (Q2) quartile.

Principal Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Principal Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option exactly 3 years ago would be worth approximately ₹124,730 today — a multiplier of 1.25×, based on the 3-year CAGR of 7.64%. The category average over the same window would have grown ₹1 lakh to ₹102,292.

A ₹10,000 monthly SIP in Principal Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹572,469 today. That's an XIRR (money-weighted annualised return) of 32.50%.

Principal Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹572,469 — XIRR 32.50%.

On a 3-year basis, Principal Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option ranks #114 out of 264 funds in the Growth category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 0.76%; this fund delivered 7.64%.

The worst peak-to-trough decline Principal Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option has experienced over the last 3-year window is 72.82% — its NAV fell from a high on 03 Jan 2008 to a low on 09 Mar 2009. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

The 3-year Sharpe ratio is 0.22 — weak risk-adjusted performance.

In calendar year 2009, Principal Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option returned 117.04% — beating the Growth category average of 65.86% by 51.18 pp. It ranked #4 of 238 in its category that year.

Principal Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option 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 Pnb Long Term Equity Fund 3 Year Plan Series II - Growth Option 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.

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