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Principal Focused Multicap Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.47 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.23 Lakh

Analyst's Choice?

Suitability:

When you invest for five years or above, you can expect gains that comfortably beat the inflation rate and are also higher than fixed income options. But be prepared for ups and downs in your investment value along the way.

This is a multi cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending upon where it expects maximum gains. This versatility makes multi cap funds most suitable for equity fund investors as the job of stock selection is completely left to the fund manager, which is the very idea of investing in a mutual fund.

Like all equity funds, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other multi cap fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends paid by the mutual fund scheme are taxed at the rate of 10% (effectively 11.648%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT). Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 2.05 0.07 1.04 1.89 8.73 10.48 14.85 13.65 9.33 13.02 --
S&P BSE 250 Large MidCap TRI 2.11 0.17 1.54 3.31 8.72 7.03 12.71 14.03 9.52 12.91 --
Equity: Multi Cap 2.53 0.15 1.54 3.06 7.50 8.19 14.05 12.85 9.42 13.97 --
Rank within category 44 38 52 50 17 19 22 14 19 23 --
Number of funds in category 58 58 58 58 57 53 48 40 36 32 0

As on 17-Jan-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week -- ( - ) -- ( - )
Month 18.51 (07-May-2014 - 06-Jun-2014) -12.09 (07-Sep-2018 - 09-Oct-2018)
Quarter 24.76 (21-Feb-2014 - 23-May-2014) -14.33 (30-Nov-2015 - 29-Feb-2016)
Year 64.17 (03-Sep-2013 - 03-Sep-2014) -18.25 (27-Feb-2015 - 29-Feb-2016)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 14.08 12.65 0.66 1.08 0.94 0.75
S&P BSE 250 Large MidCap TRI 14.47 12.73 1.05 -- -- --
Equity: Multi Cap 13.37 13.40 0.57 0.84 0.95 -0.02
Rank within category 14 13 14 7 18 14
Number of funds in category 42 42 42 42 42 42

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Dec-2019

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 29
Top 10 Stocks (%) 52.61
Top 5 Stocks (%) 32.32
Top 3 Sectors (%) 60.73
Portfolio P/B Ratio 4.45
Portfolio P/E Ratio 33.08

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 1,56,551 1,06,667
Giant (%) 68.70 54.39
Large (%) 12.19 14.74
Mid (%) 11.98 23.70
Small (%) 7.13 8.67
Tiny (%) -- 0.21

Value Research Fund Style

Sector Allocation vis-à-vis Category

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal HDFC Bank Financial 29.93 9.03 4.64 8.45
equal Reliance Industries Energy 23.87 7.12 1.92 6.90
equal ICICI Bank Financial 66.86 6.71 3.95 6.71
equal Kotak Mahindra Bank Financial 39.46 5.88 2.78 5.50
equal HDFC Financial 34.95 5.10 2.81 4.76
equal Hindustan Unilever FMCG 67.70 5.40 2.27 4.64
equal Abbott India Healthcare 50.86 4.40 1.03 4.40
equal Navin Fluorine International Chemicals 33.12 3.85 0.00 3.85
equal Infosys Technology 20.00 4.70 2.46 3.71
equal Bajaj Finserv Financial 41.37 3.92 0.00 3.69
equal Bajaj Auto Automobile 17.46 3.75 0.00 3.58
equal Shree Cement Construction 65.01 4.51 2.23 3.15
equal Larsen & Toubro Construction 19.36 4.02 2.80 3.05
equal ITC FMCG 21.23 5.02 2.93 2.93
equal AIA Engineering Metals 27.29 3.45 0.00 2.88
equal Ultratech Cement Construction 40.32 3.03 0.00 2.86
equal Tata Consultancy Services Technology 25.69 4.07 0.00 2.73
equal Nestle India FMCG 80.99 2.81 0.00 2.70
equal Britannia Inds. FMCG 60.01 4.07 2.54 2.54
equal Max Financial Services Financial 80.92 2.42 0.00 2.42
equal Equitas Holdings Financial 413.30 2.09 0.00 2.09
equal Maruti Suzuki India Automobile 37.39 4.82 1.78 2.06
down State Bank of India Financial 28.05 4.53 2.05 2.05
up Astral Poly Technik Chemicals 69.13 1.54 0.00 1.54
equal Bajaj Finance Financial 51.56 1.48 0.00 1.48

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Dec-2019

Fund Manager

— Ravi Gopalakrishnan since 11-Oct-2019

Education: Mr. Gopalakrishnan is an MBA from Bradley University, USA and Masters in Finance (Investments) from Drexel University, USA.

Experience: Prior to joining Principal Mutual Fund, he has worked with Canara Robeco AMC, PGIM India Mutual Fund, Hudson Fairfax Group,USA, and Sun F & C Asset Management Ltd.

Funds Managed:


0.07%

Change from previous, NAV as on 17-Jan-2020

Growth: ₹ 73.7700

Dividend Half Yearly: ₹ 27.2400


Investment Strategy

The Scheme proposes to invest in equity and equity related securities. The portfolio will have no more than 30 stocks.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 6
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 1
Exit Load 0.25% for redemption within 7 days

Basic Details

Fund House: Principal Mutual Fund
Launch Date: 02-Jan-2013
Return Since Launch: 12.98%
Benchmark: S&P BSE 250 Large MidCap TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 361 Cr (As on 31-Dec-2019)
Expense: 1.86% (As on 31-Dec-2019)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Half Yearly17-Dec-20191.3370

 17-Jun-20192.0453
 15-Dec-20171.7200
 16-Jun-20176.1300
 23-Dec-20161.2200
 24-Jun-20160.6600
 24-Dec-20150.3300
 29-Dec-20143.6900

Contact Information

AMC: Principal Asset Management Pvt. Ltd.

Address: Exchange Plaza - 2rd Floor - NSE Building, "B" Wing-Bandra Kurla Complex, Bandra (East), Mumbai - 400051

Phone: 022-67720555 / 1800-425-5600

Fax: 022-67720512

Email: [email protected]

Website: www.principalindia.com

Registrar & Transfer Agent: KFin Technologies Pvt Ltd.

Address: Karvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills, Hyderabad - 500034

Phone: 040-23312454

Email: [email protected]

Website: www.karvymfs.com

Upcoming Video

Value Investing

Evaluating a company's financial health from the Cash Flow Statement

dateSaturday, 25-Jan-2020
time12:30 PM - 01:00 PM