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  • Principal Mutual Fund
  • Principal Equity Savings of Income Distribution cum Cap Wdrl fund (RIDCW-M)

Formerly Principal Equity Savings Hf Yr DR

Principal Mutual Fund

Principal Equity Savings of Income Distribution cum Cap Wdrl fund (RIDCW-M)

HybridEquity Savings

14.7908

NAV (Nov 26)

9.4%
5 Year CAGR
Scripbox Opinion

Neutral

Click here for top ranked funds in equity savings mutual funds.

However, Scripbox does not recommend investing in equity savings mutual funds.

Equity Savings funds are primarily equity funds with a small exposure of minimum 10% to debt instruments.

These funds are close to equity funds in terms of market linked fluctuations.It is better for investors to make the allocation to equity & debt themselves and choose the right funds in each asset class Scripbox does not recommend investing in the dividend option of a fund because dividends are taxable at a higher rate than withdrawals.

Our analysis of this fundLearn how we rate funds ->

Track Record

19 Years. The fund has an Extended history for analysis and the track record is excellent.

Relative Size

119 Cr. Small within the category

Category View

Relatively Poor. The category has a relatively poor investment outlook

Consistency Of Performance

Relatively moderate. The historical performance of the fund has been OK

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    Historical growth rate of 12% per annum
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    Recommended Duration 1 - 5 years
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    No Lock-in
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    Expert Investing Only

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Historical NAV

14.7908

NAV (Nov 26)

Fund Returns

Last 1Y

23.8%

Last 3Y

11.1%

Last 5Y

9.4%

Last 10Y

7.4%

Since Inception

7.5%

6 Month CAGR

12%

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Scheme Information

Investment Objective

To provide capital appreciation and income distribution to the investors by using equity and equity related instruments,arbitrage opportunities,and investments in debt and money market instruments. However,there can be no assurance that the investment objective of the Scheme will be realized or that income will be generated and the scheme does not assure or guarantee any returns.

Low

Low to Moderate

Moderate

Moderately High

High

Very High

High Risk

Expense Ratio

2.38

Launched (19y ago)

May 23, 2002

AUM in Crores

118.176

ISIN

INF173K01254

Lock-in

No Lock-in

Benchmark

NIFTY Equity Savings TR INR

SIP Minimum

1000

Lumpsum Min.

5000

Fund Managers
user-avatar

Gurvinder Wasan

Fund Manager

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Sudhir Kedia

Fund Manager

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Returns Calculator Comparison

of

for

with step up of

InstrumentReturnsTotal CorpusGainsAnnualised %
Mutual Fund70%₹ 9,65,796 ₹ 2,33,18411.25%
EPF70% ₹ 9,00,761 ₹ 1,68,1498.50%
Property70% ₹ 8,67,662 ₹ 1,35,0507.00%
PPF70% ₹ 8,69,819 ₹ 1,37,2077.10%
Bank FD70% ₹ 8,46,471 ₹ 1,13,8596.00%
Gold70% ₹ 8,46,471 ₹ 1,13,8596.00%
Savings Bank70% ₹ 8,25,950 ₹ 93,3385.00%

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully before investing. Past performance is not an indicator of future returns.

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Invest in a scientifically curated set of equity mutual funds which are best aligned towards achieving any long term objectives you have.

  • Inflation beating returns
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comparison

Comparison with Hybrid Funds

Fund NameScripbox OpinionFund SizeTrack Record
Aditya Birla Sun Life Equity Hybrid 95 Fund (G)

Aditya Birla Sun Life Equity Hybrid 95 Fund (G)

₹ 8,193 cr

5

₹ 18,740 cr

5

₹ 1,979 cr

5

₹ 471 cr

5

₹ 3,414 cr

5

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About the AMC

Principal Asset Management Private Limited

Principal Asset Management Private Limited manages assets worth 9,520 crores and was set up on 20 November 1994. It's current offering of mutual fund schemes includes 30 equity,31 debt and 16 hybrid funds.

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  • tel-amc-about
    022-67720555
  • mail-amc-about
    customer@principalindia.com
  • Fund NameScripbox Opinion
    Till Date CAGR

    23%

    25%

    23.6%

    16.3%

    23%

    25%

    18.6%

    15.4%

    23%

    25%

    growth

    Build Long Term Wealth

    Invest in a scientifically curated set of equity mutual funds which are best aligned towards achieving any long term objectives you have.

    • graph-icon-gray
      Historical growth rate of 12% per annum
    • graph-icon-gray
      Recommended Duration 1 - 5 years
    • graph-icon-gray
      No Lock-in
    • graph-icon-gray
      Expert Investing Only
    • graph-icon-gray
      One-click investing and tracking
    • graph-icon-gray
      Zero fees for all your investments
    Parag Parikh Flexi Cap fund (Growth)

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    Invesco India Growth Opportunities Fund (Growth)

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    How does Scripbox rate funds?

    Proprietary 4-step system to rate mutual funds

    We use a proprietary system to rate mutual funds and based on that make a recommendation or rate the fund as top ranked.

    What Scripbox recommendations mean?
    Scripbox algorithm recommends 2-4 funds for investment for an investment asset class such as large cap, diversified, liquid etc. When you invest for an objective, the algorithm suggests the appropriate asset class and funds.
    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Sub-asset Class View

    Sub-asset Class View

    We check if the sub-category of the fund is recommended by us.

    Fund Performance

    Fund Performance

    Consistency of performance over various tenures is analysed for a relative performance stack.

    Track Record

    Track Record

    We look at consistent and long historical performance for our analysis.

    Fund Size

    Fund Size

    We look at the size of the fund with respect to other funds in the category. Larger funds are preferred.

    Impact of Interest Rates

    Impact of Interest Rates

    We check the relative interest rate risk of the sub-category of the fund. Lower the better.

    Credit Attractiveness

    Credit Attractiveness

    We check the credit quality of the underlying instruments present in the fund. Higher the better.

    Equity Funds

    Debt Funds

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    About Principal Equity Savings of Income Distribution cum Cap Wdrl fund (RIDCW-M)

    About Principal Equity Savings of Income Distribution cum Cap Wdrl fund (RIDCW-M)

    Principal Equity Savings of Income Distribution cum Cap Wdrl fund (RIDCW-M) is a Equity Savings Hybrid fund and has delivered an annualised return of 7.5% over a period of 19 years. The fund was previously known as Principal Equity Savings Hf Yr DR . The fund is managed by Principal Asset Management Private Limited. The fund managers are Gurvinder Wasan, Sudhir Kedia

    Principal Equity Savings of Income Distribution cum Cap Wdrl fund (RIDCW-M) Investment Objective

    To provide capital appreciation and income distribution to the investors by using equity and equity related instruments,arbitrage opportunities,and investments in debt and money market instruments. However,there can be no assurance that the investment objective of the Scheme will be realized or that income will be generated and the scheme does not assure or guarantee any returns. . However, there is no assurance that the objective of the scheme will be realized.

    Principal Equity Savings of Income Distribution cum Cap Wdrl fund (RIDCW-M) NAV,AUM,Risk

    The Principal Equity Savings of Income Distribution cum Cap Wdrl fund (RIDCW-M) fund was launched on May 23, 2002. The NAV (Net Asset Value) of this Equity Savings Hybrid fund as of 2021-11-26 is ₹14.79. The total AUM (Asset Under Management) of the fund as of 27/11/2021 is ₹118.176. The category risk of the Principal Equity Savings of Income Distribution cum Cap Wdrl fund (RIDCW-M) fund is High Risk. The fund charges 2.38 % as expense ratio.

    Principal Equity Savings of Income Distribution cum Cap Wdrl fund (RIDCW-M) Holdings

    The fund’s highest allocation is towards Equity and has invested 47.3% in this asset class. The top three holdings of the fund are , cash offset for derivatives , treps 01-nov-2021 , net receivable / payable , maruti suzuki india ltd , 7.17% govt stock 2028 , future on maruti suzuki india ltd , 5.15% govt stock 2025 , icici bank ltd , ashok leyland ltd , polycab india ltd , housing development finance corp ltd , future on housing development finance corp ltd , 5.22% goi 2025 , tata consultancy services ltd , 6.97% govt stock 2026 , axis bank ltd , larsen & toubro ltd , indusind bank ltd , future on larsen & toubro ltd , hdfc bank ltd , indian bank , future on tata consultancy services ltd , itc ltd , state bank of india , infosys ltd , canara bank , zee entertainment enterprises ltd , icra ltd , bharti airtel ltd. , beml ltd , bharti airtel ltd , future on itc ltd , subros ltd , motherson sumi systems ltd , indoco remedies ltd , future on lic housing finance ltd , lic housing finance ltd , abb india ltd , housing development finance corporation ltd. , mindtree ltd , sona blw precision forgings ltd , future on united spirits ltd , 8.14% maharashtra sdl 2025 , tata motors ltd , united spirits ltd , cholamandalam investment and finance co ltd , brigade enterprises ltd , bank of baroda , future on escorts ltd , escorts ltd , craftsman automation ltd , housing development finance corporation limited , schaeffler india ltd , minda industries ltd , future on indusind bank ltd , future on icici bank ltd , kotak mahindra bank ltd , eclerx services ltd , reliance industries ltd , hcl technologies ltd , tata steel ltd , future on reliance industries ltd , ipca laboratories ltd , bharat petroleum corp ltd , future on axis bank ltd , bharat forge ltd , navin fluorine international ltd , indian railway finance corporation limited , coforge ltd , max financial services ltd , future on divi's laboratories ltd , future on state bank of india , hindustan unilever ltd , 7.27% govt stock 2026 , national bank for agriculture and rural development , ntpc limited , rural electrification corporation limited , 6.18% govt stock 2024 , divi's laboratories ltd , future on hindalco industries ltd , 91 dtb 06012022 , godrej consumer products ltd , hindalco industries ltd , future on exide industries ltd , exide industries ltd

    Principal Equity Savings of Income Distribution cum Cap Wdrl fund (RIDCW-M) Sip

    The minimum SIP (Systematic Investment Plan) amount for this is ₹1000 and you can increase this in multiples of ₹ 100. In case you want to invest a lump sum, the minimum amount to be invested is ₹ 5000.

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