Factsheet - Citibank

Transcription

PRODUCT SUITABILITY
Scheme Names
This product is suitable for investors who are seeking~
Principal Large Cap Fund
(An Open-ended Equity Scheme)
• Long term Capital Growth. • Investment in equity & equity related securities
including equity derivatives of large capitalization Companies
8
Principal Emerging Bluechip Fund
including equity derivatives of mid & small capitalization Companies.
9
Principal Growth Fund
including equity derivatives of companies across market capitalization.
10
Principal Dividend Yield Fund
including equity derivatives of high dividend yield Companies.
11
Principal Index Fund - Nifty
(An Open-ended Index Scheme)
• Long term Capital Growth. • Investment in equity securities including
equity derivatives of Nifty 50 Companies.
12
Principal Index Fund - Midcap
(An Open-ended Index Scheme)
• Long term Capital Growth. • Investment in equity securities including
equity derivatives of Nifty Midcap 100 Index.
13
Principal SMART Equity Fund
including equity derivatives of large capitalization Companies as well as Debt/
Money Market securities through a systematic allocation of Funds between
Equity & Debt on the basis of the Price Earnings Ratio of Nifty 50.
14
Principal Personal Tax Saver Fund
(An Open-ended Equity Linked Savings Scheme)
• Long term Capital Growth with a three year lock-in.
• Investment in equity & equity related securities including equity
derivatives of large capitalization Companies.
15
Principal Tax Savings Fund
(An Open-ended Equity Linked Savings Scheme)
• Long term Capital Growth with a three year lock-in.
• Investment in equity & equity related securities including equity
derivatives of companies across market capitalization.
16
Principal Balanced Fund
(An Open-ended Balanced Scheme)
• Income and Long term Capital Growth. • Investment in equity & equity
related securities, debt/money market securities as well as derivatives.
17
Principal Debt Savings Fund - MIP
An Open-ended Income Fund
(Monthly Income is not assured and is subject
to the availability of distributable surplus)
• Income and Capital Growth over a medium term investment horizon.
• Investment primarily in debt/money market securities with exposure in
equity & equity related instruments including equity derivatives.
18
Principal Debt Savings Fund - Retail Plan
(An Open-ended Income Scheme)
• Income over a long term investment horizon.
• Investment in Debt & Money Market Instruments.
19
Principal Government Securities Fund
(An Open-ended dedicated Gilt Scheme
investing in Government Securities)
• Investment in Government Securities.
20
Principal Dynamic Bond Fund
21
Principal Debt Opportunities Fund Corporate Bond Plan
(An Open-ended Debt Scheme)
• Investment in Debt & Money Market Instruments of
Private & Public Sector Companies.
22
Principal Income Fund - Short Term Plan
• Income over a medium term investment horizon.
23
Principal Bank CD Fund
• Income over a medium term investment horizon.
• Investment in Bank CDs, Debt & Money Market Instruments.
24
Principal Debt Opportunities Fund Conservative Plan
• Income over a short term investment horizon.
25
Principal Retail Money Manager Fund
26
Principal Global Opportunities Fund
(An Open-ended Fund of Funds Scheme)
• Long term Capital Growth.
• Investment in overseas mutual fund schemes.
26
Principal Cash Management Fund
(An Open-ended Liquid Scheme)
• Investment in Debt & Money Market Instruments,
with maturity not exceeding 91 days.
27
Principal Asset Allocation Fund-of-Funds Conservative Plan
(An open-ended Fund-of-Funds Scheme)
• Income and Capital growth over a long term investment horizon.
• Investment primarily in debt/money market mutual funds with some
exposure to equity mutual funds.
28
Principal Asset Allocation Fund-of-Funds Moderate Plan
• Capital growth and Income over a long term investment horizon.
• Investment in a basket of equity mutual funds, debt/money market
mutual funds and Gold ETFs.
28
Principal Asset Allocation Fund-of-Funds - • Capital growth over a long term investment horizon.
Aggressive Plan
• Investment primarily in equity mutual funds with some allocation to
debt/money market mutual funds and Gold ETFs.
~ Investors should consult their financial advisers if in doubt about whether the product is suitable for them.
RISKOMETER
Pg.
No.
28
Fund Manager Commentary
March 2016
Debt Markets
Fixed Income Update for March 2016
• INR appreciated sharply during the month and closed at 66.24 as against 68.42 in
previous month. For the month of March, FIIs were net buyers in the debt market to
Key Market Highlights:
the tune of ` 2,189 crore.
• Yields fell across the various fixed income asset classes during the month of March.
Rate cut expectations, cut in small savings instruments, RBI’s OMO purchases and
• The ten year benchmark US treasury yield ended flattish at 1.76%.
favorable demand-supply dynamics were the main reasons.
• February WPI data release came at -0.91% as compared to -0.90% in previous
• During the month a key event was the cut in rates of several small savings schemes
month. CPI for February came at 5.18% compared to 5.69% in previous month.
like PPF, KVP, NSC, time deposit schemes etc in the range of 30-130 bps. The move
This was much lower than market expectations and aided in rally in bond and
is expected to aid in greater monetary policy transmission and induce banks to
gilt prices.
reduce deposit and lending rates.
• January Industrial production (IIP) growth fell to -1.5% yoy.
• RBI released the first half borrowing calendar for dated government securities.
• Banking system liquidity deficit averaged ` 1,90,000 crore approx. combined for
The gross borrowing for first half is pegged at ` 3.55 lakh crores of the total
daily LAF, term and variable LAF and MSF. Overnight rates remained stable around
` 6.00 lakh crore borrowing. The calendar has given a lower allocation to 15-19
6.7%-7.25% during the month. RBI announced two OMO (purchase) due to
year and 20 year and above segment as compared to previous years. Long end gilt
prevailing tight liquidity conditions.
yields came down post the news. Government also conducted switch of its short
dated securities maturing in 2016-17 and 2021-22 worth ` 37,300 crore with RBI.
Outlook:
This was also taken favorably by market as additional supply of long dated gilts to
• Banking system liquidity deficit is expected to come down in the month of April It’s
that extent would not have to be absorbed by the market. RBI also conducted three
expected to be ` 1,00,000 crore approx. on a monthly average as per our initial
open market purchase of gilts worth ` 41,000 crore to infuse liquidity into the system.
estimates.
• Contours of the much awaited UDAY scheme were made clearer during the month.
• While the cut of 25 bps in repo rate was widely expected, RBI has taken a number
About 10 states have signed up for the scheme and started issuing bonds
of other significant decisions in this particular Monetary Policy Review. The reverse
(UDAY non SLR SPL SDLs) to banks and other institutions directly. RBI has allowed
repo rate has been increased by 25 bps to 6.00% as RBI has decided to reduce the
banks to classify bonds issued in this scheme in the HTM (Held to Maturity) category.
corridor between repo and reverse repo to 50 bps from 100 bps in order to align
• The ten year benchmark gilt closed at 7.46%, 16 bps lower than the previous
overnight call rates to repo rate in a more refined manner. On the liquidity front,
month. The ten year AAA PSU Corporate bond benchmark closed at 8.41%, 25 bps
there has been some minor and major changes. Among the minor changes, daily
lower than previous month. The five year PSU AAA corporate bond benchmark
maintenance of CRR has been reduced to 90 per cent of NDTL (from 95 per cent)
closed at 8.35%, 23 bps lower as compared to previous month. SDL spreads rose
and this ease liquidity requirements for banks on a daily operational basis.
fell during the month to 65 bps or lower as RBI gave clarity on HTM status of UDAY
• The new ten year benchmark g-sec yield is expected to trade in a range of
bonds and lack of dated g sec supply and attractive spreads aided buying interest.
7.30-7.50% during the month. The five year AAA PSU corporate bond benchmark
is expected to trade in a range of 7.90%-8.25%.
• 1 year CD rates fell by 27 bps to close at 8.00%. 1 year T-bill yield fell 18 bps to
close at 7.06%.
• Brent Crude oil prices ended marginally higher at USD 38 per barrel during the
month as compared to USD 35 in previous month.
INVEST KNOWHOW
3
March 2016
Fund Manager Commentary
March 2016
Equity Markets
Review of Equity Market for the Month of March 2016
lower path for rates than was anticipated in December’. The ECB, at its March meeting,
cut deposit rates to (-) 0.40% while increasing monthly purchases of assets to
The Indian equity markets staged a smart recovery in March after falling nearly 8% the
EUR 80 Billion.
previous month. The Nifty was up nearly 10.8% during the month. This recovery, however,
was in line with the global change in sentiment towards ‘risk on’, with EM equities as a
EM funds saw net inflows of USD 7.2 Billion during the month, though CYTD net
class doing well. The MSCI EM Index (USD) was up 13% during the month, outperforming
inflows into equity are still negative at (-) 6.3 Billion. Inflows into Indian equity from FIIs
the DM index by 6.5%. This rally was driven by dovish commentary and guidance from
were very strong at USD 3.6 Billion, after being negative in January and February.
both the US Fed and the ECB and reduction in China fears. The US Fed, at its March
The domestic mutual funds and insurance companies were substantial sellers however,
FOMC meeting acknowledged the potential negative effects of the strong USD on the
during the month.
US economy while accepting further progress in its employment objective. It didn’t
In other moves, crude prices rallied (Brent was up 10%) while the CRB index of all
seem worried by core inflation rising above 2% as market based measures of inflation
commodities was up 4.5% during the month. The Rupee appreciated 3.2% during the
expectations remained low. Overall, the key messages were of (i) a Fed conscious of the
month, and was virtually flat for the quarter. However, among EM currencies, it was an
impact of easing moves by ECB & BOJ on the USD and therefore on the US economy
underperformer, many of which were up more than 5% during the quarter.
and (ii) a Fed not worried about inflation overshoot. Later in the month, US Fed Chair
Yellen reiterated that March policy held steady to ‘get ahead’ of overseas slowdown
In sectoral performance, banks did well as the reduction of rates on small savings was
though US economy was ‘remarkably resilient’, and overseas developments ‘imply that
positive for banks as it made for a more level playing field, and RBI came out with
meeting our objectives for employment and inflation will likely require a somewhat
guidelines regarding capital which gave banks some leeway on using revaluation reserves
and deferred tax assets. Pharmaceuticals sector, on the other hand did badly as regulatory
PERFORMANCE AS ON MARCH 31, 2016*
Index
challenges (FDA inspection reports etc.) concerned investors. The consumer goods stocks
1 Month 3 Months 6 Months 1 Year
(%)
(%)
(%)
(%)
were impacted by weak growth in volumes. In addition, the unseasonal rains in part of
the country raised concerns that food production and rural consumption could be
Broad Markets
Nifty 50
S&P BSE Sensex
7738
10.75
-2.62
-2.65
adversely impacted.
-8.84
25342
10.17
-2.97
-3.11
-9.33
In macroeconomic data, the IIP for January contracted 1.5%, which was worse than
S&P BSE 100
7835
10.74
-3.24
-3.00
-8.94
consensus estimates. Exports contracted for the 15th straight month to USD 20.7 Billion.
S&P BSE 200
3259
10.61
-3.50
-2.76
-7.84
The CPI however, surprised positively, coming in at 5.2% yoy, led by lower food prices.
S&P BSE 500
10185
10.64
-4.22
-2.98
-7.80
S&P BSE MID CAP
10619
10.90
-4.70
-1.67
0.25
The parliament passed the Aadhaar and the Real Estate Bill. Markets are again hoping
S&P BSE SMALL CAP
10542
10.40
-10.94
-4.35
-3.19
that the GST Bill and the bankruptcy code would be passed as well over the next
S&P BSE AUTO
18002
13.56
-2.79
3.51
-6.51
S&P BSE Bankex
18392
16.30
-4.85
-6.55
-11.82
The key events the markets shall watch for in the near term would be Q4 earnings, the
S&P BSE CG
12861
14.43
-8.97
-14.89
-25.57
results of election to 5 states, legislative activity once parliament resumes, news on the
S&P BSE CD
Sectoral Performance
few months.
11481
3.86
-4.31
6.21
10.17
monsoon etc. Over the medium term, the markets shall watch for a turnaround in
S&P BSE FMCG
7692
8.12
-2.28
-0.77
-1.04
consumption, progress in capital expenditure, domestic flows into equity etc.
S&P BSE Metal
7541
11.56
1.93
10.35
-20.29
S&P BSE Oil & Gas
9162
11.53
-4.12
5.37
-1.61
S&P BSE PSU
6107
10.51
-10.38
-8.79
-19.69
S&P BSE Teck
6105
10.72
0.86
-2.41
-2.42
noise around the US elections, and likelihood of increasing trade barriers. Within India,
S&P BSE HC
15149
-0.38
-10.39
-14.79
-12.32
fund raising by companies is likely to continue, which could absorb some monies going
While the markets have done well over the past month, key risks currently to the markets
are global in the form of the Brexit referendum, the geo political risks in Europe, the
*Performance for less than one year period are absolute returns.
into the secondary market. By way of data, according to a report, Indian companies had
Source - MFI Explorer
raised about `1,05,000 crores in FY 16 (including IPOs, OFS, private placement etc.).
INVEST KNOWHOW
4
March 2016
Funds at a Glance
EQUITY SCHEMES
Particulars
Principal
Large Cap Fund
Principal Emerging
Bluechip Fund
Principal
Growth Fund
Principal
Dividend Yield Fund
Principal
Index Fund - Nifty
Principal
Index Fund - Midcap
Nature of the
Scheme
An Open-ended
Equity Scheme
Allotment Date
- Regular Plan
November 11, 2005
November 12, 2008
October 25, 2000
October 15, 2004
July 27, 1999
May 12, 2014
January 2, 2013
January 2, 2013
January 2, 2013
January 2, 2013
January 2, 2013
May 12, 2014
- Direct Plan
An Open-ended
Equity Scheme
An Open-ended
Equity Scheme
An Open-ended
Equity Scheme
An Open-ended
Index Scheme
An Open-ended
Index Scheme
Investment Plans /
Options
Regular Plan & Direct Plan. Both the Plans offer Growth & Half Yearly Dividend Option.
Half Yearly Dividend Option under both the Plans offers facility of Payout, Reinvestment and Sweep.
Regular Plan & Direct Plan. Both the Plans offer
Growth & Dividend Option. Dividend Option under
both the Plans offers facility of Payout,
Reinvestment and Sweep.
Fund Manager &
Managing the
Current Fund from
Anupam Tiwari
July 2011
Dhimant Shah
June 2011
P.V.K. Mohan
September 2010
Dhimant Shah
December 2011
Rajat Jain
August 2015
Rajat Jain
August 2015
Total Investment
Experience
11 years
24 years
22 years
24 years
26 years
26 years
Benchmark
S&P BSE 100 Index
Nifty Midcap 100 Index
S&P BSE 200 Index
Nifty Dividend
Opportunities 50 Index
Nifty 50 Index
Nifty Midcap 100 Index
Minimum
Application Amount
New Investor: ` 5,000
Existing Investor: ` 1,000 Existing Investor: ` 1,000 Existing Investor: ` 1,000 Existing Investor: ` 1,000 Existing Investor: ` 1,000 Existing Investor: ` 1,000
Cut Off Time #
3.00 pm
Exit Load
(including SIP / STP /
SWP, if available)
If redeemed on or before 1 Year from the
date of allotment - 1%
SIP / SWP / STP
Available
Minimum No. &
Amt. of SIP/SWP/STP
(if available)
6 installments of SIP - ` 2,000/- each, STP - ` 1,000/- each & SWP - ` 500/- each.
3.00 pm
EQUITY SCHEME
Particulars
3.00 pm
3.00 pm
3.00 pm
1% - If redeemed within
365 days from the
date of allotment.
Nil - If redeemed after
365 days from the
date of allotment.
If redeemed on or before
1 Year from the
date of allotment - 1%
1% - if redeemed on or before 90 days
from the date of allotment;
Nil - if redeemed after 90 days from the
date of allotment.
EQUITY LINKED SAVINGS SCHEME (ELSS)^
Principal
SMART Equity Fund
Principal Personal
Tax Saver Fund
Principal
Tax Savings Fund
3.00 pm
TARGET RISK FUNDS
Principal
Balanced Fund
Principal Debt Savings Fund Monthly Income Plan
Nature of the
Scheme
An Open-ended
Equity Scheme
An Open-ended Equity
Linked Savings Scheme
An Open-ended Equity
Linked Savings Scheme
An Open-ended
Balanced Scheme
An Open-ended Income Fund
(Monthly Income is not assured
and is subject to the availability
of distributable surplus)
Allotment Date
- Regular Plan
December 16, 2010
March 31, 1996
March 31, 1996
January 14, 2000
May 23, 2002
January 2, 2013
January 2, 2013
- Direct Plan
January 2, 2013
January 2, 2013
January 2, 2013
Investment Plans /
Options
Regular Plan & Direct Plan.
Both the Plans offer Growth & Both the Plan do not have
Half Yearly Dividend Option.
any options at present.
Half Yearly Dividend Option
under both the Plans offers
facility of Payout, Reinvestment
and Sweep.
Both the Plan do not have
any options at present.
Regular Plan and Direct Plan.
Both the Plans offer Growth &
Half Yearly Dividend Option.
Half Yearly Dividend Option
under both the Plan offers
facility of Payout,Reinvestment
and Sweep.
Both the Plans offer
Dividend & Growth Option.
Dividend Frequencies Monthly / Quarterly
Fund Manager &
Managing the
Current Fund from
Anupam Tiwari
July 2011
Anupam Tiwari
July 2011
P.V.K. Mohan
September 2010
P.V.K. Mohan - May 2010 /
Bekxy Kuriakose - Mar 2016
Pankaj Jain
January 2012
Total Investment
Experience
11 years
11 years
22 years
22 years /
15 years
13 years
Benchmark
Crisil Balanced Fund Index
S&P BSE 100 Index
S&P BSE 200 Index
Crisil Balanced Fund Index
Crisil MIP Blended Index
Minimum
Application Amount
Existing Investor: ` 1,000
New Investor: ` 500
Existing Investor: ` 500
New Investor: ` 500
Existing Investor: ` 500
Cut Off Time#
3.00 pm
3.00 pm
3.00 pm
3.00 pm
3.00 pm
Exit Load
SWP, if available)
1% if redeemed
within 1 year from the
date of allotment.
Nil
Nil
If redeemed on or before 1 Year from the
date of allotment - 1%.
SIP
Available
SWP / STP
Available
Available after lock-in period
Available
Minimum No. &
Amt. of SIP/SWP/STP
(if available)
6 installment of
SIP - ` 2,000/- each,
STP - ` 1,000/- each &
SWP - ` 500/- each.
6 installments of ` 500/- each.
6 installment of SIP - ` 2,000/- each, STP - ` 1,000/- each
& SWP - ` 500/- each.
Available
# In respect of purchase/switch-in of units in any of the Schemes (other than Liquid Schemes) for an amount equal to or more than ` 2 Lakhs, the closing NAV (Net Asset Value) of the day shall be applicable subject to realisation
of the funds upto 3.00 p.m. and receipt of application (duly time stamped).
INVEST KNOWHOW
^ Lock-in of 3 years.
5
March 2016
Funds at a Glance
(Contd.)
DEBT SCHEMES
Particulars
Nature of the
Scheme
Principal Government
Securities Fund
Principal Dynamic
Bond Fund
Principal Debt Opportunities
Fund - Corporate Bond Plan
Principal Income Fund Short Term Plan
Principal
Bank CD Fund
An Open-ended dedicated
Gilt Scheme investing in
Government Securities
An Open-ended
Income Scheme
An Open-ended
Debt Scheme
An Open-ended
Income Scheme
An Open-ended
Debt Scheme
Allotment Date
- Regular Plan
August 23, 2001
May 09, 2003
September 14, 2004
May 09, 2003
November 6, 2007
- Direct Plan
January 2, 2013
January 2, 2013
January 2, 2013
January 2, 2013
January 2, 2013
Investment Plans /
Options
Both the Plans offer Dividend & Growth Option.
Dividend Frequencies
Quarterly / Annual
Quarterly / Annual
Monthly
Monthly
Monthly
Fund Manager &
Managing the
Current Fund from
Bekxy Kuriakose
October 2012
Bekxy Kuriakose
Janaury 2013
Bekxy Kuriakose
Janaury 2013
Gurvinder Singh Wasan
April 2011
Gurvinder Singh Wasan
April 2011
Total Investment
Experience
15 years
15 years
15 years
12 years
12 years
Benchmark
I-Sec Composite Index
Crisil Composite Bond
Fund Index
Crisil Liquid Fund Index
CRISIL Short-Term Bond
Fund Index
Minimum
Application Amount
Subscription#
3.00 pm
3.00 pm
3.00 pm
3.00 pm
3.00 pm
Redemption
3.00 pm
3.00 pm
3.00 pm
3.00 pm
3.00 pm
Exit Load
SWP, if available)
Nil
If redeemed on or
before 1 Year from the
0.50% - if redeemed on or
before 90 days from the
date of allotment;
Nil - if redeemed after 90 days
from the date of allotment.
0.50% - if redeemed
within 183 days from the
date of allotment.
(w.e.f. April 7, 2016)
1% - if redeemed within 180
days from the date of allotment;
0.50% - if redeemed after
180 days but within 270 days
0.25% - if redeemed after
270 days but within 365 days
Nil - if redeemed after 365 days
from the date of allotment.
SIP / SWP / STP
Available
Minimum number
& Amount of SIP/
SWP/STP (if available)
Cut Off Time
# In respect of purchase/switch-in of units in any of the Schemes (other than Liquid Schemes) for an amount equal to or more than ` 2 Lakhs, the closing NAV (Net Asset Value) of the day shall be applicable subject to realisation
of the funds upto 3.00 p.m. and receipt of application (duly time stamped).
INVEST KNOWHOW
6
March 2016
Funds at a Glance
(Contd.)
DEBT SCHEMES
LIQUID SCHEME*
Particulars
Principal Debt Opportunities
Fund - Conservative Plan
Principal
Cash Management Fund
Nature of the
Scheme
An Open-ended
Debt Scheme
An Open-ended
Liquid Scheme
Allotment Date
- Regular Plan
September 14, 2004
August 30, 2004
December 28, 2007
December 30, 2003
March 29, 2004
January 2, 2013
January 1, 2013
January 1, 2013
January 2, 2013
January 2, 2013
Dividend Frequency Daily / Weekly / Monthly
Dividend Frequency Daily / Weekly / Monthly
Growth & Dividend
Dividend Frequency Regular Plan~:
Daily / Weekly / Monthly.
Direct Plan: Monthly
(Reinvestment)
Dividend~ and Growth Option.
Dividend Frequency Monthly / Quarterly
Growth & Dividend Option.
Dividend Option under both
the Plan offers facility of
Payout, Reinvestment and
Sweep.
Fund Manager &
Managing the
Current Fund from
Pankaj Jain
January 2012
Pankaj Jain
January 2012
Pankaj Jain
January 2012
Pankaj Jain
January 2012
Rajat Jain
March 2004
Total Investment
Experience
13 years
13 years
13 years
13 years
26 years
Benchmark
Crisil Short Term
Bond Fund Index
MSCI World Index
Minimum
Application Amount
- Direct Plan
Investment Plans/
Options/
Dividend Frequencies
RETAIL SCHEMES
Principal Retail
Money Manager Fund~
An Open-ended
Debt Scheme
FUND OF FUNDS SCHEME
Principal Debt Savings
Fund - Retail Plan ~
An Open-ended
Income Fund
Principal Global
Opportunities Fund
An Open-ended
Fund of Funds Scheme
Cut Off Time
Subscription#
3.00 pm
2.00 pm
3.00 pm
3.00 pm
12.30 pm
Redemption
3.00 pm
3.00 pm
3.00 pm
3.00 pm
12.30 pm
Exit Load
SWP, if available)
Nil
(w.e.f. April 7, 2016)
Nil
Nil
30 days from the
1 Year from the
SIP / SWP / STP
Available
Minimum number
& Amount of SIP/
SWP/STP (if available)
FUND OF FUNDS SCHEME
Particulars
Principal Asset Allocation Fund-of-Funds
Conservative Plan
Moderate Plan
Aggressive Plan
Nature of the Scheme
An Open-ended Fund-of-Funds Scheme
Allotment Date
Regular Sub-Plan &
Direct Sub-Plan
December 14, 2015
December 14, 2015
December 14, 2015
Investment Plans/Option
Regular Sub-Plan & Direct sub-Plan. Both the Plans offer Growth Option.
Fund Manager &
Managing the
Current Fund from
Rajat Jain - December 2015
Total Investment
Experience
26 years
26 years
26 years
Composite Benchmark
Consisting of
85% CRISIL Short Term Bond Fund Index and
15% Nifty 50
40% Nifty 50
80% Nifty 50
Min. Application Amt.
New Investor: ` 5,000 • Existing Investor: ` 1,000
3.00 pm
3.00 pm
Cut Off Time#
3.00 pm
Exit Load
SWP, if available)
NIL
No exit load will be applicable for switches between the 3 plans i.e. Conservative Plan, Moderate Plan and Aggressive Plan of the Scheme.
SIP / SWP / STP
Available
Min. number & Amount
of SIP/SWP/STP
* In respect of Liquid Scheme(s) NAV applicable shall be subject to receipt of valid application/switch-in request at the OPT and credit of entire subscription/switch-in amounts into the Bank Account of the concerning Scheme(s)/
Plan(s) and funds are available for utilization by the Scheme(s)/Plan(s), within relevant cut-off time as applicable to the relevant Scheme(s)/Plan(s).
# In respect of purchase/switch-in of units in any of the Schemes (other than Liquid Schemes) for an amount equal to or more than ` 2 Lakhs, the closing NAV (Net Asset Value) of the day shall be applicable subject to realization
of the funds upto 3.00 p.m. (12:30 pm in case of Global Opportunities Fund) and receipt of application (duly time stamped).
~ Subscriptions (by way of purchase / switch in or in any mode) is restricted only for individual investors (including HUFs, Association of Persons & where an individual is an ultimate beneficiary). Further, (a) Daily & Weekly Dividend
Option and the Payout & Sweep facility to Monthly Dividend Option under Regular Plan of Principal Retail Money Manager Fund and (b) Dividend Option under Regular Plan of Principal Debt Savings Fund - Retail Plan. Direct Plan
under the Scheme do not offer this Options.
INVEST KNOWHOW
7
March 2016
Principal Large Cap Fund
(An open-ended equity scheme)
Kotak Mahindra Bank
FUND FEATURES (As on March 31, 2016)
MAAUM: ` 277.78 crore • AUM: ` 278.03 crore
NAV Per Unit:
Direct Plan
` 44.19
` 26.37
Growth Option :
Dividend Option (Half yearly) :
Regular Plan
` 43.30
` 26.23
INVESTMENT OBJECTIVE
To provide capital appreciation and /or dividend distribution by predominantly investing
in companies having a large market capitalization.
DIVIDEND UPDATE
Date
Regular Plan
Direct Plan
Banks
1.87
State Bank of India
Banks
1.61
Axis Bank
Banks
1.14
Shree Cements
Cement
3.02
Ultratech Cement
Cement
2.49
The Ramco Cements
Cement
0.47
Larsen & Toubro
Construction Project
1.91
ITC
Consumer Non Durables
3.75
Britannia Industries
2.68
Colgate Palmolive (India)
1.30
Housing Development Finance Corporation
Finance
3.64
Cholamandalam Investment and
Finance Company
Finance
0.07
Mahindra Holidays & Resorts India
Hotels, Resorts &
Other Recreational Activities
0.93
The Indian Hotels Company
Hotels, Resorts &
0.87
Dividend
` /Unit)*
(`
Cum
Dividend
NAV
Dividend
` /Unit)*
(`
Cum
Dividend
NAV
December 24, 2015
–
–
0.3300
27.81
December 29, 2014
3.5700
30.79
3.6900
31.15
June 24, 2010
1.5000
20.2200
N.A.
N.A.
July 28, 2009
2.0000
17.6700
N.A.
N.A.
Bharat Electronics
Industrial Capital Goods
0.46
February 5, 2008
2.0000
23.5600
N.A.
N.A.
Alstom T&D India
0.40
May 15, 2007
1.5000
17.7600
N.A.
N.A.
Dish TV India
Media & Entertainment
0.81
National Aluminium Company
Non - Ferrous Metals
0.95
Past performance may or may not be sustained in the future.
* On face value of ` 10.
Note: All Dividend (`/Unit) figures are Gross Dividend.
RATIOS & OTHER DETAILS (As on March 31, 2016)
Standard Deviation^ (Annualised)
16.22%
Beta^
0.97
Sharpe Ratio^ (Annualised)
0.37
Portfolio Turnover Ratio**
0.77
Expense Ratio#
Direct Plan Regular Plan -
2.15%
2.83%
Note: ^ The above measures have been calculated by taking rolling returns for a 3 year
period with 7.38% risk free rate of return (1 days - MIBOR Rate as on Mar. 30, 2016).
** The Portfolio Turnover Rate (PTR) means the lower of aggregate sales or purchases made
during the 12 month rolling year/period divided by the 12 month rolling year/period Average
asset under Management for the relevant year/period.
# MTD ratio to Average AUM including Service Tax on Management Fees which is over and
above to TER & proportionate charge in respect of sales beyond T-15 cities subject to maximum
of 30 bps on daily net assets.
MARKET CAP ALLOCATION (As on March 31, 2016)
% of NAV
Equity & Equity Related Instruments of Large Cap Companies
Hindustan Petroleum Corporation
Petroleum Products
3.99
Reliance Industries
Petroleum Products
2.05
Bharat Petroleum Corporation
Petroleum Products
1.41
Divi's Laboratories
Pharmaceuticals
3.48
Abbott India
Pharmaceuticals
2.86
Sun Pharmaceuticals Industries
Pharmaceuticals
2.27
Aurobindo Pharma
Pharmaceuticals
2.11
Natco Pharma
Pharmaceuticals
1.24
Power Grid Corporation of India
Power
1.13
Aditya Birla Nuvo
Services
0.71
Infosys
Software
8.39
HCL Technologies
Software
2.86
Tata Consultancy Services
Software
1.65
Tata Communications
Telecom - Services
2.44
Adani Ports and Special Economic Zone
Transportation
1.47
Investment Funds/Mutual Funds
89.36
Equity & Equity Related Instruments of Mid Cap & Other Companies
0.93
Principal Cash Management Fund Direct Plan - Growth Option
Mutual Funds
9.54
Cash and Other Assets
0.17
Net Assets
PORTFOLIO (As on March 31, 2016)
Instrument
9.54
0.17
100.00
SECTOR ALLOCATION (TOP 10) (As on March 31, 2016)
Industry
Equity
Tata Motors
9.54
Mutual Fund
Auto
% of NAV
Banks
90.29
Software
5.61
Pharmaceuticals
17.52%
12.90%
11.96%
9.94%
Auto
Maruti Suzuki India
Auto
3.36
Tata Motors (A-DVR)
Auto
0.97
Petroleum Products
Motherson Sumi Systems
Auto Ancillaries
1.02
Cement
7.73%
7.45%
5.98%
3.71%
Finance
HDFC Bank
Banks
6.70
Telecom - Services
ICICI Bank
Banks
4.07
IndusInd Bank
Banks
2.13
2.44%
1.91%
0.00%
4.00%
8.00%
12.00%
16.00%
20.00%
(% of NAV)
INVEST KNOWHOW
8
March 2016
Principal Emerging Bluechip Fund
Navin Fluorine International
Tata Chemicals
Atul
Pidilite Industries
Kajaria Ceramics
National Buildings Construction Corporation
PNC Infratech
Sadbhav Engineering
Voltas
KEC International
Symphony
Bata India
Triveni Engineering & Industries
Bajaj Finance
SKS Microfinance
Gujarat State Petronet
Petronet LNG
Texmaco Rail & Engineering
Mold-Tek Packaging
AIA Engineering
Finolex Industries
Ramkrishna Forgings
Bharat Forge
FAG Bearings India
Finolex Cables
Dish TV India
Hindustan Zinc
Hindalco Industries
UPL
Indian Oil Corporation
Aurobindo Pharma
Divi's Laboratories
Torrent Pharmaceuticals
Glenmark Pharmaceuticals
Natco Pharma
Aditya Birla Nuvo
Infosys
Persistent Systems
Cyient
Tata Communications
SRF
Vardhman Textiles
Gateway Distriparks
Transport Corporation of India
Navkar Corporation
Derivatives
Indraprastha Gas - April 2016
ICICI Bank - April 2016
Principal Index Fund- Midcap - Direct Plan - Growth
Net Assets
NAV Per Unit:
Direct Plan
` 66.57
` 50.69
Growth Option :
Regular Plan
` 64.95
` 42.09
INVESTMENT OBJECTIVE: To achieve long-term capital appreciation by investing
in equity & equity related instruments of Mid Cap & Small Cap companies.
DIVIDEND UPDATE
Date
June 24, 2015
December 29, 2014
October 15, 2010
June 19, 2009
Regular Plan
Dividend
Cum
` /Unit)* Dividend
(`
NAV
1.9200
46.04
5.5000
48.48
1.0000
27.4300
4.0000
19.3500
Direct Plan
Dividend
Cum
` /Unit)* Dividend
(`
NAV
–
–
–
–
N.A.
N.A.
N.A.
N.A.
Beta^
Expense Ratio#
19.61%
0.96
0.84
0.81
1.77%
2.65%
MARKET CAP ALLOCATION (As on March 31, 2016)
% of NAV
Equity and equity related instruments of Mid Cap Companies
77.18
Equity and equity related instruments of Small Cap Companies
10.85
Equity and equity related instruments of Companies other than
Mid & Small Cap
9.58
Cash and Money Market / Fixed Income Securities
(including MIBOR Linked Short Term Papers & Securitised Debt)
-0.87
Mutual Funds
2.18
Derivatives
1.08
Market Cap Range for Nifty Midcap 100 Stocks
` 1,04,049.90 Cr – ` 3,039.69 Crs
As on December 31, 2015
Instrument
Industry
Equity
Eicher Motors
Amara Raja Batteries
MRF
Gabriel India
Dynamatic Technologies
IndusInd Bank
Kotak Mahindra Bank
ICICI Bank
HDFC Bank
City Union Bank
State Bank of India
Shree Cements
The Ramco Cements
Orient Cement
Auto
Auto Ancillaries
Auto Ancillaries
Auto Ancillaries
Auto Ancillaries
Auto Ancillaries
Banks
Banks
Banks
Banks
Banks
Banks
Cement
Cement
Cement
INVEST KNOWHOW
% of NAV
97.61
3.94
2.95
2.19
2.18
1.17
0.88
3.09
2.13
1.98
1.82
1.34
1.23
2.69
1.57
1.29
Chemicals
Chemicals
Chemicals
Chemicals
Construction
Construction
Construction
Consumer Durables
Consumer Durables
Finance
Finance
Gas
Gas
Industrial Products
Industrial Products
Industrial Products
Industrial Products
Industrial Products
Industrial Products
Industrial Products
Pesticides
Petroleum Products
Petroleum Products
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Services
Software
Software
Software
Telecom - Services
Textile Products
Textiles - Cotton
Transportation
Transportation
Transportation
1.71
1.24
1.17
0.92
1.32
1.31
0.84
2.37
1.28
1.12
2.12
1.33
2.93
1.59
2.17
1.07
1.56
1.04
0.75
1.47
1.47
1.11
0.97
0.96
0.93
0.90
1.08
1.13
1.01
1.22
3.04
1.27
2.81
2.39
1.92
1.38
1.31
1.08
2.42
1.00
0.78
1.06
1.94
1.30
1.90
0.98
0.49
1.08
0.96
0.12
2.18
2.03
Stock Futures
Stock Futures
Mutual Fund
Mutual Fund
0.15
-0.87
100.00
11.59%
Banks
9.81%
Pharmaceuticals
9.37%
Auto Ancillaries
7.81%
Industrial Products
5.55%
Cement
Chemicals
5.04%
4.77%
4.52%
Petroleum Products
4.31%
Software
4.20%
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
(% of NAV)
9
March 2016
Principal Growth Fund
Prestige Estates Projects
Milestone Global
Ashoka Buildcon
Larsen & Toubro
KEC International
Hindustan Construction Company
Bajaj Electricals
ITC
Balrampur Chini Mills
United Spirits
Bombay Burmah Trading Corporation
Dewan Housing Finance Corporation
L & T Finance Holdings
Rural Electrification Corporation
Indraprastha Gas
NAV Per Unit:
Direct Plan
` 91.41
` 37.76
Growth Option :
Regular Plan
` 89.57
` 35.06
INVESTMENT OBJECTIVE: To achieve long-term capital appreciation.
DIVIDEND UPDATE
Date
Regular Plan
Dividend
Cum
` /Unit)* Dividend
(`
NAV
Direct Plan
Dividend
Cum
` /Unit)* Dividend
(`
NAV
December 24, 2015
0.8500
38.04
1.1800
41.16
December 29, 2014
4.8800
41.86
2.6200
42.36
December 31, 2007
2.5000
37.1400
N.A.
N.A.
March 20, 2006
2.5000
24.6400
N.A.
N.A.
Jain Irrigation Systems
18.99%
Beta^
1.13
0.51
0.71
Expense Ratio#
2.05%
2.71%
Instrument
Industry
Equity
Tata Motors
Escorts
Maruti Suzuki India
Hero MotoCorp
Bajaj Auto
Asahi India Glass
HDFC Bank
ICICI Bank
State Bank of India
Axis Bank
Bank of Baroda
Kotak Mahindra Bank
The Federal Bank
Century Textiles & Industries
The Ramco Cements
Ultratech Cement
JK Cement
The India Cements
DLF
IRB Infrastructure Developers
Auto
Auto
Auto
Auto
Auto
Auto Ancillaries
Auto Ancillaries
Banks
Banks
Banks
Banks
Banks
Banks
Banks
Cement
Cement
Cement
Cement
Cement
Construction
Construction
% of NAV
95.38
3.13
1.64
1.30
1.23
1.07
1.09
0.88
5.49
4.21
2.21
1.89
1.31
0.98
0.94
2.17
1.91
1.80
1.44
1.24
1.09
0.96
Hindustan Zinc
Reliance Industries
Aurobindo Pharma
Abbott India
Natco Pharma
Kalpataru Power Transmission
Rattanindia Power
Infosys
HCL Technologies
Firstsource Solutions
Tata Communications
SRF
Gateway Distriparks
Navkar Corporation
Jet Airways (India)
Principal Index Fund- Midcap Direct Plan - Growth
Net Assets
Construction
Construction
Consumer Durables
Finance
Finance
Finance
Finance
Gas
Hotels, Resorts &
Hotels, Resorts &
Industrial Products
0.79
0.02
1.07
0.98
0.92
0.76
0.97
3.95
1.67
1.23
1.10
1.09
1.98
1.81
1.02
0.79
0.89
1.87
Petroleum Products
Petroleum Products
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Power
Power
Software
Software
Software
Software
Telecom - Services
Textile Products
Transportation
Transportation
Transportation
Mutual Fund
0.83
0.78
3.80
0.73
2.95
1.43
1.41
0.64
1.00
0.89
5.89
2.48
1.11
1.04
2.96
1.53
0.92
0.91
0.85
4.89
3.89
Mutual Fund
1.00
0.93
1.41
-0.27
100.00
17.03%
Banks
Software
10.52%
9.04%
8.56%
Cement
Auto
8.37%
Pharmaceuticals
6.43%
Finance
5.60%
4.53%
Petroleum Products
3.73%
Telecom - Services
2.96%
0.00%
4.00%
8.00%
12.00%
16.00%
20.00%
(% of NAV)
INVEST KNOWHOW
10
March 2016
Principal Dividend Yield Fund
Ultratech Cement
NAV Per Unit:
Direct Plan
` 33.19
` 22.00
Growth Option :
Regular Plan
` 32.60
` 21.16
To provide capital appreciation and / or dividend distribution by investing predominantly
in a well-diversified portfolio of companies that have a relatively high dividend yield.
DIVIDEND UPDATE
Date
Regular Plan
Dividend
Cum
` /Unit)* Dividend
(`
NAV
Direct Plan
Dividend
Cum
` /Unit)* Dividend
(`
NAV
December 29, 2014
3.2000
26.47
2.7400
26.76
October 12, 2007
1.5000
15.4400
N.A.
N.A.
April 24, 2006
1.5000
15.7200
N.A.
N.A.
October 3, 2005
0.7500
13.5100
N.A.
N.A.
April 20, 2005
0.5000
11.0900
N.A.
N.A.
Standard
Deviation^
(Annualised)
17.62%
Cement
2.17
Tata Chemicals
Chemicals
1.20
National Buildings Construction Corpn.
Construction
1.80
KEC International
1.31
Hindustan Unilever
7.18
2.94
VST Industries
2.38
ITC
1.28
1.15
E.I.D-Parry (India)
Fertilisers
1.07
Bajaj Holdings & Investment
Finance
2.18
Gas
1.62
Cummins India
Industrial Products
1.68
Hindustan Zinc
1.16
Hindalco Industries
0.98
Oil & Natural Gas Corporation
Oil
2.80
PI Industries
Pesticides
1.45
Petroleum Products
3.98
Petroleum Products
2.96
Reliance Industries
Petroleum Products
2.76
Castrol India
Petroleum Products
2.19
Aurobindo Pharma
Pharmaceuticals
1.30
Beta^
0.87
Pharmaceuticals
0.73
0.13
Infosys
Software
3.07
0.67
Software
2.07
HCL Technologies
Software
1.33
Expense Ratio#
2.56%
3.01%
Software
0.63
SRF
Textile Products
2.02
Welspun India
Textile Products
1.88
Gateway Distriparks
Transportation
1.60
Derivatives
1.12
Indraprastha Gas April 2016
Industry
Equity
1.12
97.66
Auto
5.51
Maruti Suzuki India
Auto
3.52
Tata Motors (A-DVR)
Auto
2.79
Bajaj Auto
Auto
2.57
SML Isuzu
Auto
2.12
1.55
1.47
Petroleum Products
Banks
3.98
Software
HDFC Bank
Banks
3.49
Cement
ICICI Bank
Banks
3.20
Textile Products
Auto Ancillaries
1.25
City Union Bank
Banks
1.06
Dalmia Bharat
Cement
2.73
14.93%
Banks
State Bank of India
Banks
16.51%
Auto
Auto Ancillaries
Kotak Mahindra Bank
-0.76
100.00
Auto Ancillaries
1.55
1.98
Net Assets
Asahi India Glass
Banks
Mutual Fund
Shivam Autotech
IndusInd Bank
1.98
% of NAV
Hero MotoCorp
INVEST KNOWHOW
Stock Futures
Instrument
Cyient
14.53%
11.89%
7.10%
4.90%
3.90%
3.02%
2.80%
Oil
Finance
2.18%
0.00%
4.00%
8.00%
12.00%
16.00%
20.00%
(% of NAV)
11
March 2016
Principal Index Fund - Nifty
(An open-ended index scheme)
NAV Per Unit:
Growth Option :
Dividend Option :
Direct Plan
` 54.1774
` 31.8395
Regular Plan
` 53.3639
` 31.3631
To invest principally in securities that comprise Nifty 50 and subject to tracking errors
endeavour to attain results commensurate with the Nifty 50.
DIVIDEND UPDATE (REGULAR PLAN)
Date
December 24, 2008
`/Unit)*
Dividend (`
3.7500
Cum Dividend NAV
15.7934
15.80%
Ambuja Cements
Cement
0.64
ACC
Cement
0.46
Larsen & Toubro
3.53
ITC
6.54
Hindustan Unilever
2.20
Asian Paints
1.39
Tata Steel
Ferrous Metals
0.76
Housing Development Finance Corpn.
Finance
6.18
GAIL (India)
Gas
0.59
Bharat Heavy Electricals
0.37
Zee Entertainment Enterprises
0.75
Coal India
Minerals/Mining
1.31
Hindalco Industries
0.40
Oil & Natural Gas Corporation
Oil
1.36
Reliance Industries
Petroleum Products
6.12
Petroleum Products
0.83
Pharmaceuticals
3.15
Beta^
1.00
Dr. Reddy's Laboratories
Pharmaceuticals
1.36
0.15
Lupin
Pharmaceuticals
1.25
0.33
Cipla
Pharmaceuticals
0.92
0.50%
1.00%
NTPC
Power
1.12
Power
1.08
Tata Power Company
Power
0.41
Infosys
Software
8.62
Expense Ratio
TRACKING DEVIATION
0.13%*
* Trailing 12 months ended March 31, 2016 (Annualized).
Instrument
Industry
Equity
% of NAV
Software
4.75
HCL Technologies
Software
1.63
Wipro
Software
1.28
Tech Mahindra
Software
1.04
Bharti Airtel
Telecom - Services
1.69
Idea Cellular
Telecom - Services
0.44
Transportation
97.28
100.00
Auto
2.65
Mahindra & Mahindra
Auto
1.97
Maruti Suzuki India
Auto
1.75
Hero MotoCorp
Auto
1.31
Banks
Bajaj Auto
Auto
1.18
Software
Bosch
Auto Ancillaries
0.67
HDFC Bank
Banks
7.48
Auto
ICICI Bank
Banks
4.87
Axis Bank
Banks
2.62
Finance
Kotak Mahindra Bank
Banks
2.47
State Bank of India
Banks
2.14
Cement
Power
Banks
1.67
Yes Bank
Banks
1.00
Bank of Baroda
Banks
0.49
Ultratech Cement
Cement
1.16
Grasim Industries
Cement
0.88
INVEST KNOWHOW
2.72
Net Assets
Tata Motors
IndusInd Bank
0.80
22.74%
17.32%
10.13%
8.86%
Petroleum Products
6.95%
Pharmaceuticals
6.68%
6.18%
3.53%
3.14%
2.61%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
(% of NAV)
12
March 2016
Principal Index Fund - Midcap
(An open-ended index scheme)
Petronet LNG
Indraprastha Gas
Apollo Hospitals Enterprise
NAV Per Unit:
Growth Option :
Dividend Option :
Direct Plan
` 14.2177
` 14.2177
Regular Plan
` 14.0810
` 14.0810
To invest principally in securities that comprise Nifty Midcap 100 and subject to tracking
errors endevour to attain results commensurate with the Nifty Midcap 100.
0.58
Expense Ratio
0.50%
1.00%
Instrument
Industry
Equity
TVS Motor Company
MRF
Amara Raja Batteries
Exide Industries
Apollo Tyres
The Karur Vysya Bank
Union Bank Of India
Canara Bank
IDBI Bank
The South Indian Bank
Bank of India
DCB Bank
Shree Cements
The Ramco Cements
Pidilite Industries
Tata Chemicals
DLF
Voltas
NCC
Rajesh Exports
Havells India
Bata India
Marico
GlaxoSmithKline Consumer Healthcare
Procter & Gamble Hygiene and Health Care
Emami
United Breweries
Tata Global Beverages
Kansai Nerolac Paints
Jubilant Foodworks
Godrej Industries
JSW Steel
Steel Authority of India
Jindal Steel & Power
Bajaj Finance
Bajaj Finserv
Power Finance Corporation
Mahindra & Mahindra Financial Services
SKS Microfinance
CRISIL
Reliance Capital
Auto
Auto Ancillaries
Auto Ancillaries
Auto Ancillaries
Auto Ancillaries
Banks
Banks
Banks
Banks
Banks
Banks
Banks
Cement
Cement
Cement
Chemicals
Chemicals
Construction
Construction
Consumer Durables
Consumer Durables
Consumer Durables
Ferrous Metals
Ferrous Metals
Ferrous Metals
Finance
Finance
Finance
Finance
Finance
Finance
Finance
Finance
INVEST KNOWHOW
% of NAV
79.67
1.06
1.49
1.16
1.03
0.80
0.83
0.54
0.43
0.42
0.38
0.38
0.30
1.74
0.89
0.45
1.46
1.06
0.82
0.55
1.04
0.40
1.36
1.23
0.49
2.03
1.15
0.96
0.92
0.88
0.81
0.75
0.55
0.48
2.20
0.72
0.34
2.34
1.71
1.17
1.07
1.01
0.68
0.67
0.54
Siemens
Bharat Electronics
ABB India
Suzlon Energy
Thermax
Sintex Industries
Sun TV Network
NMDC
Hindustan Zinc
Oil India
Piramal Enterprises
Cadila Healthcare
Strides Shasun
Torrent Pharmaceuticals
IPCA Laboratories
Sanofi India
Biocon
Natco Pharma
Ajanta Pharma
Alembic Pharmaceuticals
Wockhardt
Sun Pharma Advanced Research Company
Reliance Infrastructure
Torrent Power
NHPC
Reliance Power
Adani Power
CESC
JSW Energy
Oracle Financial Services Software
MindTree
Vakrangee
Mphasis
Persistent Systems
Just Dial
Reliance Communications
Tata Communications
Page Industries
SRF
Container Corporation of India
Gujarat Pipavav Port
The Great Eastern Shipping Company
Net Assets
Finance
Gas
Gas
Gas
Healthcare Services
Hotels, Resorts &
Industrial Products
Minerals/Mining
Oil
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Power
Power
Power
Power
Power
Power
Power
Software
Software
Software
Software
Software
Software
Telecom - Services
Telecom - Services
Textile Products
Textile Products
Transportation
Transportation
Transportation
0.50
1.21
0.66
0.64
1.64
0.80
1.58
1.18
1.09
0.68
0.55
0.38
0.60
1.25
0.75
0.70
1.35
1.31
1.08
1.06
0.64
0.60
0.53
0.52
0.52
0.47
0.45
0.33
1.17
0.63
0.60
0.56
0.50
0.50
0.39
1.26
1.20
0.98
0.67
0.55
0.42
0.82
0.43
1.06
0.58
1.68
0.78
0.53
20.33
100.00
Finance
9.69%
Pharmaceuticals
8.86%
8.53%
5.08%
Software
5.08%
Auto Ancillaries
4.48%
Power
4.35%
Banks
3.28%
Ferrous Metals
3.26%
Consumer Durables
3.08%
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
(% of NAV)
13
March 2016
Principal SMART Equity Fund
NAV Per Unit:
Direct Plan
` 16.97
` 16.20
Growth Option :
Regular Plan
` 16.51
` 14.94
INVESTMENT OBJECTIVE: The primary objective of the scheme is to seek to generate
long term capital appreciation with relatively lower volatility through systematic allocation
of funds into equity; and in debt /money market instruments for defensive purposes.
The Scheme will decide on allocation of funds into equity assets based on equity market
Price Earning Ratio (PE Ratio) levels. When the markets become expensive in terms of
'Price to Earnings' Ratio'; the Scheme will reduce its allocation to equities and move
assets into debt and/or money market instruments and vice versa.
DIVIDEND UPDATE
Date
June 24, 2015
Regular Plan
Dividend
Cum
` /Unit)* Dividend
(`
NAV
0.2500
15.25
December 29, 2014
1.2900
Direct Plan
Dividend
Cum
` /Unit)* Dividend
(`
NAV
0.3200
16.37
16.13
0.5100
16.38
11.68%
Equity
Hotels, Resorts &
0.56
Alstom T&D India
0.45
Bharat Electronics
0.30
Dish TV India
0.52
0.61
Petroleum Products
2.56
Reliance Industries
Petroleum Products
2.19
Petroleum Products
0.90
Divi's Laboratories
Pharmaceuticals
2.23
Abbott India
Pharmaceuticals
1.84
Pharmaceuticals
1.47
Aurobindo Pharma
Pharmaceuticals
1.35
Natco Pharma
Pharmaceuticals
0.75
Power
1.74
Aditya Birla Nuvo
Services
0.46
Infosys
Software
5.39
HCL Technologies
Software
1.83
Software
1.06
Tata Communications
Telecom - Services
1.57
6.54
Reliance Industries
Petroleum Products
Reliance Industries April 2016
Stock Future
1.83%
2.82%
% of
NAV
0.51
% of
NAV
Derivatives
TGS Investment & Trade Private
A1+
4.34
Piramal Enterprises
A1+
4.31
Aadhar Housing Finance
A1+
4.34
IDBI Bank
A1+
2.74
8.83% Government of India Security
Sovereign
1.84
Sovereign
0.90
0.09
TBILL 91 DAY 2016
Sovereign
7.66
Shriram Transport Finance Company
Maruti Suzuki India
Auto
2.16
Tata Motors (A-DVR)
Auto
0.62
Auto Ancillaries
0.65
HDFC Bank
Banks
4.30
Net Assets
ICICI Bank
Banks
3.45
IndusInd Bank
Banks
1.46
Kotak Mahindra Bank
Banks
1.20
State Bank of India
Banks
1.12
Software
Axis Bank
Banks
0.73
Pharmaceuticals
Shree Cements
Cement
2.28
Auto
Ultratech Cement
Cement
1.59
The Ramco Cements
Cement
0.31
Larsen & Toubro
1.22
ITC
2.41
Power
Telecom - Services
1.72
0.83
Housing Development Finance Corpn. Finance
AA+
7.66
0.09
BONDS & NCDs
3.60
4.34
Sovereign
Auto
4.29
Certificate of Deposit
Tata Motors
-6.38
12.94
Treasury Bill
61.34
-6.38
6.35
Commercial Paper
Industry/
Rating
Hotels, Resorts &
0.59
0.94
Instrument
6.35
0.05
Cash Future Arbitrage
0.95
Expense Ratio#
Finance
Adani Ports and Special Economic Zone Transportation
Beta^
Finance Company
6.08
Mutual Fund
6.08
-1.54
100.00
SECTOR ALLOCATION OF EQUITY INSTRUMENTS (TOP 10) (As on March 31, 2016)
Banks
12.26%
8.28%
7.64%
6.38%
Petroleum Products
5.65%
4.96%
Cement
4.18%
Finance
2.38%
1.74%
1.57%
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
(% of NAV)
2.33
The chart represents the unhedged equitys positions only.
INVEST KNOWHOW
14
March 2016
Principal Personal Tax Saver Fund (An open-ended equity linked savings scheme)
ITC
NAV Per Unit:
Direct Plan :
Regular Plan :
` 145.30
` 142.54
To provide long term growth of capital. The Investment Manager will aim to achieve a
return on assets in excess of the performance of S&P BSE 100 Index.
3.60
2.63
1.32
Finance
3.61
Finance Company
Finance
0.08
Hotels, Resorts &
0.89
Hotels, Resorts &
0.89
Bharat Electronics
0.45
`/Unit)*
Dividend (`
40.0000
Cum Dividend NAV
124.66
Alstom T&D India
0.41
February 26, 2008
20.0000
172.57
Dish TV India
0.79
December 31, 2007
11.0000
221.26
0.95
October 30, 2007
11.0000
190.53
Petroleum Products
3.83
Reliance Industries
Petroleum Products
2.00
Petroleum Products
1.39
Divi's Laboratories
Pharmaceuticals
3.47
Abbott India
Pharmaceuticals
2.79
Pharmaceuticals
2.25
Date
March 25, 2008
March 13, 2006
10.0000
118.96
November 2, 2005
40.0000
124.43
Aurobindo Pharma
Pharmaceuticals
2.05
Beta^
0.97
Natco Pharma
Pharmaceuticals
1.20
0.37
Power
1.10
0.71
Aditya Birla Nuvo
Services
0.73
Infosys
Software
8.07
HCL Technologies
Software
2.75
16.30%
Expense Ratio#
2.08%
2.73%
Note: The above measures have been calculated by taking rolling returns for a 3 year
^
Software
1.61
Tata Communications
Telecom - Services
2.35
Transportation
Industry
Equity
Auto
5.59
Maruti Suzuki India
Auto
3.25
Tata Motors (A-DVR)
Auto
0.97
Banks
Auto Ancillaries
1.01
Software
HDFC Bank
Banks
6.44
Pharmaceuticals
ICICI Bank
Banks
4.02
IndusInd Bank
Banks
2.14
Banks
1.85
State Bank of India
Banks
1.55
Axis Bank
Banks
1.12
Telecom - Services
Shree Cements
Cement
2.97
2.44
Larsen & Toubro
1.84
INVEST KNOWHOW
17.12%
12.43%
11.76%
9.81%
7.55%
7.22%
Petroleum Products
Kotak Mahindra Bank
0.47
0.08
Auto
Cement
11.56
100.00
Tata Motors
Cement
Mutual Fund
Net Assets
88.36
The Ramco Cements
11.56
% of NAV
Ultratech Cement
1.49
Instrument
5.88%
Cement
3.69%
Finance
2.35%
1.84%
0.00%
4.00%
8.00%
12.00%
16.00%
20.00%
(% of NAV)
15
March 2016
Principal Tax Savings Fund
(An open-ended equity linked savings scheme)
NAV Per Unit:
Direct Plan :
Regular Plan :
` 134.30
` 132.08
To build a high quality growth-oriented portfolio to provide long-term capital gains to
the investors. The scheme aims at providing returns through capital appreciation.
Date
Ashoka Buildcon
Larsen & Toubro
1.08
1.02
KEC International
0.93
0.79
Bajaj Electricals
Consumer Durables
0.96
ITC
3.93
1.70
1.23
1.11
United Spirits
1.10
2.01
`/Unit)*
Dividend (`
Cum Dividend NAV
Finance
8.0000
90.1200
Finance
1.84
83.6600
Finance
1.03
Finance
0.80
Indraprastha Gas
Gas
0.91
Hotels, Resorts &
1.90
Hotels, Resorts &
0.93
March 31, 2008
January 15, 2007
5.0000
19.05%
Industrial Products
1.47
Hindustan Zinc
0.87
0.51
0.80
0.70
Reliance Industries
Petroleum Products
3.83
Petroleum Products
0.74
Aurobindo Pharma
Pharmaceuticals
2.95
Abbott India
Pharmaceuticals
1.44
Pharmaceuticals
1.43
Natco Pharma
Pharmaceuticals
0.65
Beta^
1.13
Expense Ratio#
2.20%
2.78%
Instrument
Industry
Equity
% of NAV
96.29
Power
1.04
Rattanindia Power
Power
0.93
Infosys
Software
5.94
HCL Technologies
Software
2.50
Software
1.13
Software
1.04
Tata Communications
Telecom - Services
2.95
Tata Motors
Auto
3.16
SRF
Textile Products
1.55
Escorts
Auto
1.64
Gateway Distriparks
Transportation
0.94
Maruti Suzuki India
Auto
1.32
Navkar Corporation
Transportation
0.93
Hero MotoCorp
Auto
1.23
Jet Airways (India)
Transportation
0.86
Bajaj Auto
Auto
1.07
Asahi India Glass
Auto Ancillaries
1.08
Auto Ancillaries
0.89
HDFC Bank
Banks
5.56
4.20
Net Assets
Banks
State Bank of India
Banks
2.25
Axis Bank
Banks
1.91
Bank of Baroda
Banks
1.31
Kotak Mahindra Bank
Banks
0.99
The Federal Bank
Banks
0.95
Cement
2.17
The Ramco Cements
Cement
1.90
Auto
Ultratech Cement
Cement
1.81
Pharmaceuticals
JK Cement
Cement
1.44
Finance
The India Cements
Cement
1.23
Petroleum Products
DLF
Construction
1.09
Telecom - Services
Construction
1.01
Construction
0.82
3.71
0.00
100.00
ICICI Bank
3.71
Mutual Fund
17.17%
Banks
10.61%
Software
9.07%
8.55%
Cement
8.42%
6.47%
5.68%
4.57%
3.82%
2.95%
0.00%
4.00%
8.00%
12.00%
16.00%
20.00%
(% of NAV)
INVEST KNOWHOW
16
March 2016
Principal Balanced Fund (An open-ended balanced scheme)
NAV Per Unit:
Growth Option :
Direct Plan
` 50.51
` 24.30
Regular Plan
` 49.21
` 21.92
INVESTMENT OBJECTIVE: To provide long term appreciation and current income by
investing in a portfolio of equity, equity related securities and fixed income securities.
DIVIDEND UPDATE
Date
Regular Plan
Dividend
Cum
` /Unit)* Dividend
(`
NAV
0.6500
23.24
December 24, 2015
Direct Plan
Dividend
Cum
` /Unit)* Dividend
(`
NAV
0.8900
25.87
December 29, 2014
2.3200
24.83
0.3900
25.28
March 24, 2008
2.5000
14.9200
N.A.
N.A.
November 5, 2007
6.0000
23.9000
N.A.
N.A.
November 9, 2005
3.2000
16.4100
N.A.
N.A.
Standard Deviation^@ (Annualised)
13.52%
Beta^@
1.13
Sharpe Ratio^@ (Annualised)
0.42
1.74
@
Expense Ratio#
2.17%
3.00%
@ For equity portion only.
AVERAGE MATURITY OF THE DEBT PORTFOLIO (As on March 31, 2016)
7.09 years
MODIFIED DURATION OF THE DEBT PORTFOLIO (As on March 31, 2016)
6.38 years
YIELD TO MATURITY OF THE DEBT PORTFOLIO (As on March 31, 2016)
8.17%
Instrument
Equity
Tata Motors
Escorts
Maruti Suzuki India
Hero MotoCorp
Bajaj Auto
Jamna Auto Industries
Asahi India Glass
HDFC Bank
ICICI Bank
State Bank of India
Axis Bank
Bank of Baroda
Kotak Mahindra Bank
The Federal Bank
INVEST KNOWHOW
Industry / Rating
Auto
Auto
Auto
Auto
Auto
Auto Ancillaries
Auto Ancillaries
Auto Ancillaries
Banks
Banks
Banks
Banks
Banks
Banks
Banks
Cement
The Ramco Cements
Ultratech Cement
JK Cement
The India Cements
DLF
Ashoka Buildcon
Larsen & Toubro
KEC International
ITC
Dhampur Sugar Mills
United Spirits
Indraprastha Gas
% of NAV
68.97
2.12
1.72
0.87
0.86
0.75
1.01
0.76
0.55
3.67
2.97
1.49
1.28
0.92
0.65
0.62
1.51
TV Today Network
Hindustan Zinc
Reliance Industries
Aurobindo Pharma
Abbott India
Natco Pharma
Rattanindia Power
Infosys
HCL Technologies
Tata Communications
SRF
Navkar Corporation
Gateway Distriparks
Jet Airways (India)
Commercial Paper
Treasury Bill
T-Bill 91 Day 2016
Sovereign
Principal Dynamic Bond Fund Direct Plan - Growth Option
Net Assets
Cement
Cement
Cement
Cement
Construction
Construction
Construction
Finance
Finance
Finance
Finance
Gas
Hotels, Resorts &
Hotels, Resorts &
Industrial Products
Petroleum Products
Petroleum Products
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Pharmaceuticals
Power
Power
Software
Software
Software
Software
Telecom - Services
Textile Products
Transportation
Transportation
Transportation
1.48
1.18
0.99
0.87
0.77
0.61
0.50
0.71
0.62
0.59
0.48
2.78
2.56
1.11
1.10
0.73
0.72
1.34
1.20
0.65
0.53
0.60
1.27
0.65
0.95
1.03
0.52
0.49
2.54
0.46
2.89
0.96
0.89
0.44
0.63
0.56
3.06
1.64
0.71
0.71
1.94
1.01
0.60
0.58
0.57
1.52
1.52
0.18
0.18
3.15
3.15
23.23
23.23
A1+
Sovereign
Sovereign
Mutual Funds
2.95
100.00
SECTOR ALLOCATION OF EQUITY INSTRUMENTS (TOP 10) (As on March 31, 2016)
Banks
11.60%
9.00%
Auto
6.32%
Software
6.12%
Cement
6.03%
Pharmaceuticals
5.18%
Finance
3.72%
Petroleum Products
3.00%
2.40%
Auto Ancillaries
2.32%
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
14.00%
(% of NAV)
17
March 2016
Principal Debt Savings Fund
- Monthly Income Plan
(An open-ended income fund)
(Monthly Income is not assured and is subject to the availability of distributable surplus.)
Instrument
NAV Per Unit:
Derivatives
Growth Option :
Dividend Option (Monthly) :
Dividend Option (Quarterly) :
Direct Plan
` 29.4680
` 11.0468
` 12.6108
Regular Plan
` 28.7673
` 10.8589
` 12.3239
Regular Plan
Dividend
` /Unit)*
(`
Dividend
` /Unit)*
(`
A1+
4.65
Treasury Bill
1.11
T-Bill 91 Day 2016
Sovereign
1.11
Sovereign
71.94
Sovereign
46.54
Sovereign
25.40
Bonds & NCDs
9.43
Cum
Dividend
NAV
AAA
9.43
11.10
Principal Index Fund - Nifty Direct Plan - Growth Option
Monthly Dividend (Last 3 Months)
October 23, 2015
10.1481
11.1056
0.2453
11.3633
September 24, 2015
0.0509
10.9226
0.0767
11.1947
Net Assets
–
–
0.0230
11.1410
July 27, 2015
2.19
4.65
IFMR Capital Finance Private
Direct Plan
Cum
Dividend
NAV
Index Futures
Commercial Paper
DIVIDEND UPDATE
% of NAV
2.19
NIFTY Index Future April 2016
To generate regular income through investments in fixed income securities so as to
make periodical income distribution to the Unitholders and also to generate long-term
capital appreciation by investing a portion of the Scheme’s assets in equity and equity
related instruments.
Date
Industry/Rating
Mutual Funds
11.10
-0.42
100.00
COMPOSITION BY ASSETS (As on March 31, 2016)
Quarterly Dividend (Last 3 Quarters)
December 23, 2015
0.0747
12.3027
0.0945
12.5868
Industry / Ratings
September 24, 2015
0.0294
12.2772
0.0752
12.5865
Sovereign
71.94
March 24, 2015
0.3907
12.6051
0.4210
12.8959
11.10
RATIO (As on March 31, 2016)
Expense Ratio
7.67
1.65%
2.24%
% of NAV
Bonds & NCDs
9.43
Commercial Paper
4.65
Derivatives
2.19
Treasury Bill
1.11
-0.42
RATING PROFILE (As on March 31, 2016)
AVERAGE MATURITY OF THE DEBT PORTFOLIO (As on March 31, 2016)
Sovereign
73.05%
AAA
9.43%
9.85 years
A1+
MODIFIED DURATION OF THE DEBT PORTFOLIO (As on March 31, 2016)
(incl. MF Units & Index Futures)
6.42 years
12.87%
0.00%
YIELD TO MATURITY OF THE DEBT PORTFOLIO (As on March 31, 2016)
20.00%
40.00%
60.00%
80.00%
(% of NAV)
7.84%
INVEST KNOWHOW
4.65%
18
March 2016
Principal Debt Savings Fund
(An open-ended income fund)
- Retail Plan
Instrument
NAV Per Unit:
Treasury Bill
Growth Plan :
Dividend Plan (Monthly) :
Dividend Plan (Quarterly) :
Direct Plan
` 26.8800
N.A.
N.A.
Regular Plan
` 26.1963
` 10.2808
` 12.0559
Dividend
` /Unit)*
(`
Direct Plan
Cum
Dividend
NAV
Dividend
` /Unit)*
(`
Sovereign
1.10
Sovereign
DIVIDEND UPDATE
Regular Plan
% of NAV
1.10
T-Bill 91 DAY 2016
To seek to generate stable returns and capital appreciation through investment in Debt
instruments and related securities over medium to long term investment horizon.
Date
Rating
Cum
Dividend
NAV
66.30
Sovereign
Sovereign
44.70
21.60
Bonds & NCDs
28.08
AAA
14.00
Aspire Home Finance Corporation
A+
9.38
Bajaj Finance
AA+
4.70
4.52
Net Assets
100.00
March 23, 2016
0.1216
10.3686
–
–
January 22, 2016
0.0520
10.299
–
–
December 23, 2015
0.0352
10.2822
–
–
12.1763
–
–
Industry / Ratings
Quarterly Dividend (Last 3 Quarters)
March 23, 2016
0.1601
December 23, 2015
0.2232
12.1958
0.2456
12.2952
September 24, 2015
0.2070
12.1764
0.2294
12.2743
% of NAV
Sovereign
66.30
Bonds & NCDs
28.08
Treasury Bill
1.10
4.52
TOTAL EXPENSE RATIO (As on March 31, 2016)
Sovereign
Direct Plan- 0.50% • Regular Plan - 1.25%
67.40%
AAA
AVERAGE MATURITY (As on March 31, 2016)
14.00%
A+
6.74 years
MODIFIED DURATION (As on March 31, 2016)
4.83 years
9.38%
AA+
4.70%
4.52%
0.00%
YIELD TO MATURITY (As on March 31, 2016)
20.00%
40.00%
60.00%
80.00%
(% of NAV)
8.10%
INVEST KNOWHOW
19
March 2016
Principal Government Securities Fund
(An open-ended dedicated gilt scheme investing in government securities)
Instrument
Direct Plan
` 30.0376
` 12.1248
` 13.9940
Regular Plan
` 29.5589
` 12.0861
` 13.5502
To generate return through investment in sovereign securities and thus provide capital
gains and income distribution to its Unitholders.
DIVIDEND UPDATE
Date
% of NAV
Sovereign
NAV Per Unit:
Growth Option :
Dividend Option (Annual) :
Rating
Regular Plan
Dividend
` /Unit)*
(`
Cum
Dividend
NAV
Cum
Dividend
NAV
0.0880
12.1096
0.1025
12.1611
December 23, 2015
0.1339
12.0501
0.1496
12.1010
September 24, 2015
0.2814
12.2067
0.3123
12.2718
1.6751
14.8009
1.7979
15.3183
September 24, 2014
1.1532
14.2079
1.2578
14.7028
September 24, 2013
0.7559
13.7794
0.4192
13.8300
24.83
Sovereign
19.78
Sovereign
14.02
Sovereign
10.17
Sovereign
9.50
Sovereign
9.30
Sovereign
5.58
6.82
100.00
Ratings
% of NAV
Sovereign
93.18
Annual Dividend Option (Last 3 Years)
September 24, 2015
Sovereign
Net Assets
Quarterly Dividend Option (Last 3 Quarters)
March 23, 2016
Direct Plan
Dividend
` /Unit)*
(`
93.18
6.82
Sovereign
93.18%
6.82%
0.00%
20.00%
40.00%
60.00%
80.00%
100.00%
(% of NAV)
14.85 years
7.68 years
7.79%
MATURITY PROFILE
Period
Portfolio (%)
5 - 10 years
29.10
10 - 15 years
19.78
Above 15 years
44.30
INVEST KNOWHOW
6.82
20
March 2016
Principal Dynamic Bond Fund *
(An open-ended income scheme)
Instrument
Direct Plan
` 26.0663
` 13.2788
` 11.9743
Regular Plan
` 25.4421
` 13.2152
` 11.6025
DIVIDEND UPDATE
Regular Plan
Dividend
`/Unit)*
(`
Cum
Dividend
NAV
14.36
A1+
9.42
JM Financial Products
A1+
4.94
To generate regular income and capital appreciation/accretion through investment in
debt instruments and related securities besides preservation of capital.
Date
% of NAV
Commercial Paper
NAV Per Unit:
Growth Option :
Dividend Option (Annual) :
Rating
Direct Plan
Dividend
`/Unit)*
(`
Cum
Dividend
NAV
Quarterly Dividend Option (Last 3 Quarters)
5.28
IDBI Bank
A1+
5.28
Sovereign
68.64
Sovereign
12.63
Sovereign
11.78
Sovereign
11.39
Sovereign
9.01
Sovereign
5.41
Sovereign
5.24
Sovereign
4.78
Sovereign
3.53
March 23, 2016
0.1320
13.2857
0.1549
13.3697
December 23, 2015
0.1651
13.2338
0.0448
13.1723
September 24, 2015
0.3349
13.4186
0.3836
13.5245
12.552
1.4457
12.9921
Bonds & NCDs
AA+
5.30
Annual Dividend Option (Last 3 Years)
September 24, 2015
1.3206
Sovereign
2.75
Sovereign
2.12
7.96
September 24, 2014
0.9630
12.1429
1.0896
12.5807
Shriram Transport Finance Company
September 24, 2013
0.7029
11.8468
0.4597
11.9117
A+
2.13
National Bank for Agriculture and
Rural Development
AAA
0.53
3.76
Net Assets
100.00
Ratings
8.23 years
4.66 years
8.21%
% of NAV
Sovereign
68.64
Commercial Paper
14.36
Bonds & NCDs
7.96
5.28
3.76
MATURITY PROFILE
Sovereign
Period
Less than 1 year
Portfolio (%)
2.13
3 - 5 years
5.94
5 - 10 years
37.92
10 - 15 years
10.02
Above 15 years
15.29
Cash and Others Assets
A1+
24.94
1 - 3 years
68.64%
19.64%
AA+
5.30%
A+
AAA
2.13%
0.53%
3.76%
0.00%
20.00%
40.00%
60.00%
80.00%
(% of NAV)
3.76
*Name change w.e.f January 01, 2016, the scheme was earlier known as Principal Income Fund - Long Term Plan.
INVEST KNOWHOW
21
March 2016
Principal Debt Opportunities Fund - Corporate Bond Plan
(An open-ended debt scheme)
Instrument
NAV Per Unit:
Commercial Paper
Growth Option :
Direct Plan
` 2372.1165
` 1241.6417
Regular Plan
` 2343.0338
` 1238.6339
The primary objective is to generate income and capital gains through investments in a
portfolio of securities issued by Private and Public Sector Companies.
DIVIDEND UPDATE
Date
Regular Plan
Dividend
` /Unit)*
(`
Direct Plan
Cum
Dividend
NAV
Dividend
` /Unit)*
(`
Cum
Dividend
NAV
8.4195
1243.938
8.6304
1247.0943
February 24, 2016
8.6362
1244.1547
8.8306
1247.2945
January 22, 2016
8.4391
1243.9576
8.6135
% of NAV
86.52
Piramal Enterprises
A1+
20.88
A1+
15.66
Godrej Agrovet
A1+
10.46
JK Lakshmi Cement
A1+
10.40
Cox & Kings
A1+
10.40
A1+
8.32
A1+
5.21
Religare Housing Development
Finance Corporation
A1+
5.19
Treasury Bill
0.20
T-Bill 91 Day 2016
March 23, 2016
Rating
Sovereign
0.20
Bonds & NCDs
10.37
HPCL-Mittal Energy
AA-
10.37
1247.0774
2.64
* On face value of ` 1,000/-.
All Dividend (`/Unit) figures are Gross Dividend.
Mutual Fund
2.64
0.27
Net Assets
100.00
Industry / Ratings
50 days
46 days
8.88%
% of NAV
Commercial Paper
86.52
Bonds & NCDs
10.37
2.64
Treasury Bill
0.20
0.27
A1+
86.52%
AA-
Sovereign
10.37%
0.20%
(incl. MF Units)
2.91%
0.00%
20.00%
40.00%
60.00%
80.00%
100.00%
(% of NAV)
INVEST KNOWHOW
22
March 2016
Principal Income Fund – Short Term Plan (An open-ended income scheme)
Sovereign
NAV Per Unit:
Growth Option :
Direct Plan
` 27.0633
` 12.9074
Regular Plan
` 26.4576
` 12.8727
To generate regular income and capital appreciation/ accretion through investment in
debt instruments and related securities besides preservation of capital and has been
designed to achieve stable returns over shorter-term investment horizons.
DIVIDEND UPDATE
Date
Regular Plan
Dividend
` /Unit)*
(`
Direct Plan
Cum
Dividend
NAV
Dividend
` /Unit)*
(`
Cum
Dividend
NAV
0.1747
12.9941
0.1896
13.0414
February 24, 2016
–
–
0.0015
12.8533
January 22, 2016
0.0872
12.9066
0.0954
12.9472
March 23, 2016
24.60
Sovereign
7.32
Sovereign
7.28
Sovereign
4.03
Sovereign
3.69
Sovereign
2.14
Sovereign
0.14
Bonds & NCDs
59.41
A+
7.90
AAA
7.29
LIC Housing Finance
AAA
7.23
AAA
7.16
Piramal Enterprises
AA
7.10
National Bank for Agriculture and
Rural Development
AAA
6.83
National Housing Bank
AAA
5.62
AAA
3.59
AAA
3.58
Asirvad Microfinance
A(SO)
0.73
Future Financial Services
A(SO)
0.73
Grama Vidiyal Micro Finance
A(SO)
0.73
Arohan Financial Services
A(SO)
0.55
Sonata Finance
A(SO)
0.37
3.46
Net Assets
100.00
2.94 years
Ratings
2.31 years
8.52%
Instrument
Rating
% of NAV
% of NAV
Bonds & NCDs
59.41
Sovereign
24.60
Commercial Paper
8.20
4.33
3.46
4.33
Export-Import Bank of India
A1+
3.34
AAA
Corporation Bank
A1+
0.33
Sovereign
Small Industries Development Bank of India
A1+
0.33
A1+
0.33
A+
8.20
AA
RBL Bank
A1+
Commercial Paper
HCL Infosystems
A1+
A1
4.65
3.55
41.30%
24.60%
8.98%
7.90%
7.10%
A1
3.55%
A(SO)
3.11%
3.46%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
(% of NAV)
INVEST KNOWHOW
23
March 2016
Principal Bank CD Fund
Instrument
NAV Per Unit:
Growth Option :
Direct Plan
` 1967.0931
` 1131.8338
Regular Plan
` 1941.3100
` 1130.6071
The objective is to generate returns by primarily investing in Bank CDs. Bank CDs provide
liquidity and a relatively lower credit risk.
DIVIDEND UPDATE
Date
% of NAV
78.45
Export-Import Bank Of India
A1+
25.13
Corporation Bank
A1+
11.89
Small Industries Development Bank Of India
A1+
11.87
RBL Bank
A1+
11.83
ICICI Bank
A1+
11.26
State Bank of Hyderabad
A1+
6.47
Treasury Bill
Regular Plan
Dividend
` /Unit)*
(`
Direct Plan
Cum
Dividend
NAV
Dividend
` /Unit)*
(`
7.8072
1132.4333
8.2485
1133.9712
6.5441
1131.1702
7.0616
1132.7843
January 22, 2016
6.5459
1131.1720
7.0172
1132.7399
Sovereign
0.20
Bonds & NCDs
Cum
Dividend
NAV
February 24, 2016
0.20
T-Bill 91 DAY 2016
March 23, 2016
Rating
20.00
AAA
9.91
National Housing Bank
AAA
2.81
Sundaram BNP Paribas Home Finance
AA
7.28
1.35
Net Assets
* On face value of ` 1,000/Past performance may or may not be sustained in the future.
100.00
Ratings
314 days
% of NAV
78.45
Bonds & NCDs
20.00
Treasury Bill
0.20
1.35
A1+
292 days
78.45%
12.72%
AAA
7.28%
AA
7.70%
Sovereign
0.20%
1.35%
0.00%
20.00%
40.00%
60.00%
80.00%
100.00%
(% of NAV)
INVEST KNOWHOW
24
March 2016
Principal Debt Opportunities Fund - Conservative Plan
Credit
Risk Rat
[ICRA] A ing ++
1+mfs
BONDS & NCDs
NAV Per Unit:
Growth Option :
Dividend Option (Daily) :
Dividend Option (Weekly) :
Direct Plan
` 2439.4418
` 1003.3517
` 1006.2714
` 1145.7716
Regular Plan
` 2380.3724
` 1003.4214
` 1004.3348
` 1143.6613
To generate regular income and capital appreciation through investments in debt
securities and money market instruments.
DIVIDEND UPDATE
Date
Regular Plan
Dividend
` /Unit)*
(`
Direct Plan
Cum
Dividend
NAV
Dividend
` /Unit)*
(`
Cum
Dividend
NAV
March 23, 2016
9.0097
1148.129
9.5446
1150.6185
February 24, 2016
6.0001
1145.1194
6.8403
1147.9142
January 22, 2016
6.9853
1146.1046
7.7996
1148.8735
59.12
Tata Motors
AA
12.43
AAA
12.03
Music Broadcast Private
AA
9.62
LIC Housing Finance
AAA
7.69
HPCL-Mittal Energy
AA-
7.08
Muthoot Finance
AA-
2.92
Finance Company
AA
1.49
Asirvad Microfinance Pvt
A(SO)
1.27
Future Financial Services
A(SO)
1.27
Grama Vidiyal Micro Finance
A(SO)
1.27
Arohan Financial Services Pvt
A(SO)
0.95
Sonata Finance Pvt
A(SO)
0.64
AAA
0.19
AAA
0.15
AAA
-13.59
Net Assets
100.00
Ratings
248 days
% of NAV
Bonds & NCDs
59.12
Commercial Paper
53.14
Treasury Bill
1.33
237 days
-13.59
44.51%
A1+
9.21%
23.54%
AA
20.18%
AAA
Instrument
10.00%
AA-
Rating
Commercial Paper
53.14
A(SO)
Sovereign
A1+
21.54
Cox & Kings
A1+
11.84
Piramal Enterprises
A1+
11.13
HCL Infosystems
A1
Treasury Bill
8.63%
A1
% of NAV
T-Bill 91 DAY 2016
0.12
5.40%
1.33%
-13.59%
-20.00%
-10.00%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
(% of NAV)
8.63
1.33
Sovereign
1.33
Past performance is no guarantee of future result. (++ for rating methodology please refer page 39.)
INVEST KNOWHOW
25
March 2016
Principal Global Opportunities Fund
(An open-ended Fund of Funds scheme)
Instrument
NAV Per Unit:
Foreign Securities
Growth Option:
Dividend Option:
Direct Plan
` 20.9789
` 20.9789
Regular Plan
` 20.7090
` 20.7090
% of NAV
I. Units of Mutual Fund / Unit Trust
Principal Global Investors Funds Emerging Markets Equity Fund
To provide long term capital appreciation by predominantly investing in overseas mutual
fund schemes, and a certain portion of its corpus in Money Market Securities and/or
units of Money Market / Liquid Schemes of Principal Mutual Fund.
98.64
II. Cash and Other Current Assets
1.36
Net Assets
100.00
TOTAL EXPENSE RATIO# (As on March 31, 2016)
# MTD ratio to Average AUM including Service Tax on Management Fees which is over and above
to TER & after deducting rebate. Expenses charged by the underlying funds are not included in
the Expense Ratios given above.
Principal Retail Money Manager Fund
Instrument
Direct Plan
` 1720.2305
N.A.
N.A.
` 1061.3898
Regular Plan
` 1715.3279
` 1005.4300
` 1015.0480
` 1061.3340
DIVIDEND UPDATE
Regular Plan
Dividend
` /Unit)*
(`
Direct Plan
Cum
Dividend
NAV
Dividend
` /Unit)*
(`
6.5768
1065.406
6.6338
17.88
Bank of Maharashtra
A1+
State Bank of Mysore
A1+
10.24
7.64
7.4038
1066.233
7.4716
1066.3402
6.7986
1065.6278
6.8609
1065.7295
A1+
JK Lakshmi Cement
A1+
9.76
A1+
9.73
12.82
IL&FS Financial Services
A1+
9.70
Edelweiss Housing Finance
A1+
9.70
Aditya Birla Nuvo
A1+
8.95
Cox & Kings
A1+
8.94
A1
5.17
0.71
T-Bill 91 Day 2016
Sovereign
0.71
6.64
Net Assets
1065.5024
January 22, 2016
Piramal Enterprises
Treasury Bill
Cum
Dividend
NAV
February 24, 2016
74.77
HCL Infosystems
March 23, 2016
% of NAV
Commercial Paper
To generate regular income & capital appreciation through investments in debt securities
and money market instruments.
Date
Rating
NAV Per Unit:
Growth Option :
100.00
Ratings
% of NAV
Commercial Paper
74.77
17.88
Treasury Bill
0.71
6.64
A1+
87.48%
48 days
A1
Sovereign
44 days
5.17%
0.71%
6.64%
0.00%
8.66%
20.00%
40.00%
60.00%
80.00%
100.00%
(% of NAV)
26
INVEST KNOWHOW
March 2016
Principal Cash Management Fund
Credit
Risk Rat
[ICRA] A ing ++
1+mfs
(An open-ended liquid scheme)
MAAUM: ` 1,952.56 crore • AUM: ` 1,223.23 crore
Commercial Paper
NAV Per Unit:
Aditya Birla Nuvo
Growth Option :
Direct Plan
` 1474.7592
` 1000.5695
` 1007.5234
` 1025.2680
Regular Plan
` 1470.7393
` 1000.5695
` 1006.9895
` 1025.2348
To provide investors with as high a level of income available from short-term investments
as is considered consistent with preservation of capital and maintenance of liquidity, by
investing in a portfolio of money market and investment grade debt instruments.
DIVIDEND UPDATE
Date
Regular Plan
Dividend
` /Unit)*
(`
Direct Plan
Cum
Dividend
NAV
Dividend
` /Unit)*
(`
Cum
Dividend
NAV
83.44
A1+
11.83
JK Lakshmi Cement
A1+
11.42
Magma ITL Finance
A1+
8.08
Piramal Enterprises
A1+
7.72
Manappuram Finance
A1+
6.06
A1+
6.05
Cox & Kings
A1+
4.79
A1+
4.70
CESC
A1+
4.04
Edelweiss Housing Finance
A1+
3.72
IL&FS Financial Services
A1+
3.72
A1+
3.63
Religare Housing Development
Finance Corporation
A1+
3.62
HCL Infosystems
A1
2.04
A1+
2.02
March 23, 2016
6.2392
1028.9636
6.2946
1029.0358
Infrastructure Leasing & Financial Services
February 24, 2016
7.0311
1029.7555
7.0964
1029.8376
Treasury Bill
January 22, 2016
6.3687
1029.0931
6.4277
1029.1689
TBILL 91 DAY 2016
Sovereign
0.74
TBILL 91 DAY 2016
Sovereign
0.04
0.78
-6.48
Net Assets
100.00
Ratings
48 days
44 days
% of NAV
Commercial Paper
83.44
22.26
Treasury Bill
0.78
-6.48
8.84%
A1+
103.66%
Instrument
Rating
% of NAV
22.26
Vijaya Bank
A1+
8.09
IndusInd Bank
A1+
4.04
Corporation Bank
A1+
4.04
Bank of Maharashtra
A1+
3.72
State Bank of Mysore
A1+
1.77
Oriental Bank of Commerce
A1+
0.60
A1
2.04%
Sovereign
0.78%
-20.00%
-6.48%
0.00%
20.00%
40.00%
60.00%
80.00%
100.00% 120.00%
(% of NAV)
Past performance is no guarantee of future result. (++ for rating methodology please refer page 39.)
INVEST KNOWHOW
27
March 2016
Principal Asset Allocation Fund
CONSERVATIVE PLAN
Instrument
NAV Per Unit:
Growth Option:
Direct Sub-Plan
` 10.1812
Regular Sub-Plan
` 10.1570
The objective of the Plan is to provide long term total return primarily by seeking income
through investments made in debt/money market mutual funds with some exposure to
equity mutual funds.
% of NAV
100.19
Principal Income Fund - Short Term Plan Direct Plan - Growth Option
Mutual Fund
60.82
Principal Debt Opportunities Fund Conservative Plan - Direct Plan - Growth Option
Mutual Fund
25.39
Principal Large Cap Fund Direct Plan - Growth Option
Mutual Fund
13.98
-0.19
Net Assets
Direct Sub-Plan- 0.11% • Regular Sub-Plan - 0.91%
100.00
MODERATE PLAN
Instrument
NAV Per Unit:
Growth Option:
Direct Sub-Plan
` 9.9222
Regular Sub-Plan
` 9.8975
The objective of the Plan is to provide long term total return by seeking capital
appreciation and income through investments made in a basket of equity mutual funds,
debt/money market mutual funds and Gold ETFs.
% of NAV
100.42
Mutual Fund
43.70
Mutual Fund
28.52
Mutual Fund
18.70
Principal Emerging Bluechip Fund Direct Plan - Growth Option
Mutual Fund
9.50
-0.42
Net Assets
100.00
AGGRESSIVE PLAN
Instrument
NAV Per Unit:
Growth Option:
Direct Sub-Plan
` 9.8931
Regular Sub-Plan
` 9.8671
The objective of the Plan is to provide long term total return by seeking capital
appreciation through investments made primarily in equity mutual funds with some
allocation to debt/money market mutual funds and Gold ETFs.
INVEST KNOWHOW
Mutual Fund
58.93
Mutual Fund
18.85
Principal Emerging Bluechip Fund Direct Plan - Growth Option
Mutual Fund
14.88
Mutual Fund
7.41
Net Assets
28
100.07
% of NAV
-0.07
100.00
March 2016
Returns (As on March 31, 2016)
SCHEMES MANAGED BY MR. ANUPAM TIWARI
PRINCIPAL LARGE CAP FUND
Performance
Date
31-Mar-15 to 31-Mar-16
31-Mar-14 to 31-Mar-15
28-Mar-13 to 31-Mar-14
Since Inception 11-Nov-05 to 31-Mar-16
Since Inception 02-Jan-13 to 31-Mar-16
Scheme Returns
Plan - Regular
Plan - Direct
^Returns (%) $PTP Returns (`) ^Returns (%) $PTP Returns (`)
-7.72
9,228.47
-7.07
9,293.38
35.02
13,502.16
35.82
13,581.83
23.18
12,318.33
23.89
12,388.54
15.15
43,300.00
N.A.
N.A.
N.A.
N.A.
11.31
14,154.39
Scheme’s Benchmark
(S&P BSE 100 Index)
^Returns (%)
-8.96
28.32
18.11
11.23
8.17
PTP Returns (`)
9,104.00
12,831.73
11,811.29
30,223.88
12,902.24
$
Additional Benchmark
(Nifty 50 Index)
^Returns (%)
-8.86
26.65
17.98
11.28
8.20
$
PTP Returns (`)
9,113.65
12,665.19
11,797.87
30,362.74
12,911.86
PRINCIPAL PERSONAL TAX SAVER FUND
Performance
Date
31-Mar-15 to 31-Mar-16
31-Mar-14 to 31-Mar-15
28-Mar-13 to 31-Mar-14
Since Inception 31-Mar-96 to 31-Mar-16
Scheme Returns
Plan - Regular
Plan - Direct
-7.90
9,210.39
-7.29
9,270.72
35.27
13,526.79
36.03
13,602.67
23.47
12,347.29
24.16
12,415.95
20.57
422,249.80
N.A.
N.A.
N.A.
N.A.
11.34
14,168.70
(S&P BSE 100 Index)
^Returns (%)
-8.96
28.32
18.11
11.43
8.17
PTP Returns (`)
9,104.00
12,831.73
11,811.29
87,199.11
12,902.24
$
(Nifty 50 Index)
^Returns (%)
-8.86
26.65
17.98
10.85
8.20
$
PTP Returns (`)
9,113.65
12,665.19
11,797.87
78,538.52
12,911.86
PRINCIPAL SMART EQUITY FUND
Performance
Date
31-Mar-15 to 31-Mar-16
31-Mar-14 to 31-Mar-15
28-Mar-13 to 31-Mar-14
Since Inception 16-Dec-10 to 31-Mar-16
Scheme Returns
Plan - Regular
Plan - Direct
-0.54
9,945.78
0.47
10,047.37
25.47
12,547.24
26.33
12,632.76
22.96
12,295.54
23.91
12,391.10
9.94
16,510.00
N.A.
N.A.
N.A.
N.A.
12.38
14,604.13
(Crisil Balanced Fund Index)
^Returns (%)
-2.90
22.53
13.40
6.64
8.72
PTP Returns (`)
9,709.67
12,252.71
11,340.14
14,054.41
13,113.49
$
(Nifty 50 Index)
^Returns (%)
-8.86
26.65
17.98
5.09
8.20
$
PTP Returns (`)
9,113.65
12,665.19
11,797.87
13,008.45
12,911.86
SCHEMES MANAGED BY MR. RAJAT JAIN
PRINCIPAL GLOBAL OPPORTUNITIES FUND
Performance
Date
31-Mar-15 to 31-Mar-16
31-Mar-14 to 31-Mar-15
28-Mar-13 to 31-Mar-14
Scheme Returns
Plan - Regular
Plan - Direct
-8.40
9,159.67
-7.99
9,201.03
5.26
10,526.29
5.74
10,573.70
1.21
10,120.58
1.51
10,151.16
6.25
20,709.00
N.A.
N.A.
N.A.
N.A.
-1.31
9,581.24
(MSCI World Index)
^Returns (%)
0.51
8.20
28.25
7.37
12.58
PTP Returns (`)
10,050.77
10,819.68
12,825.46
23,499.01
14,686.96
$
(Nifty 50 Index)
^Returns (%)
-8.86
26.65
17.98
13.11
8.20
$
PTP Returns (`)
9,113.65
12,665.19
11,797.87
43,917.03
12,911.86
PRINCIPAL INDEX FUND - NIFTY
Performance
Date
31-Mar-15 to 31-Mar-16
31-Mar-14 to 31-Mar-15
28-Mar-13 to 31-Mar-14
Since Inception 27-Jul-99 to 31-Mar-16
Scheme Returns
Plan - Regular
Plan - Direct
-8.54
9,146.10
-8.08
9,191.94
26.61
12,661.42
27.25
12,724.90
18.38
11,838.37
18.96
11,896.39
10.55
53,363.90
N.A.
N.A.
N.A.
N.A.
9.06
13,247.86
(Nifty 50 Index)
^Returns (%)
-8.86
26.65
17.98
11.23
8.20
PTP Returns (`)
9,113.65
12,665.19
11,797.87
59,078.52
12,911.86
$
(S&P BSE Sensex)
^Returns (%)
-9.36
24.89
18.85
10.77
8.05
$
PTP Returns (`)
9,064.43
12,488.68
11,884.98
55,172.20
12,854.60
PRINCIPAL INDEX FUND - MIDCAP
Performance
Date
31-Mar-15 to 31-Mar-16
Since Inception 12-May-14 to 31-Mar-16
^Returns (%)
Plan - Regular
-1.46
19.88
Plan - Direct
-0.97
20.49
(Nifty Midcap 100 Index)
-1.91
19.91
(Nifty 50 Index)
-8.86
5.34
Past performance may or may not be sustained in future. Since Inception Returns (in %) are calculated on Compounded Annualised Basis.
$
PTP (Point to Point) Returns is based on standard investment of ` 10,000/- made at the beginning of relevant period.
Performance of the dividend option for the investors would be net of dividend distribution tax, as applicable.
^ Growth Option
INVEST KNOWHOW
29
March 2016
SCHEMES MANAGED BY MR. DHIMANT SHAH
PRINCIPAL EMERGING BLUECHIP FUND
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
^Returns (%)
(Nifty 50 Index)
PTP Returns (`)
^Returns (%)
31-Mar-15 to 31-Mar-16
-5.32
9,467.93
-4.41
9,559.16
-1.91
9,808.75
-8.86
9,113.65
31-Mar-14 to 31-Mar-15
71.37
17,137.15
72.55
17,254.71
50.96
15,095.88
26.65
12,665.19
28-Mar-13 to 31-Mar-14
28.82
12,908.74
29.58
12,985.84
16.22
11,635.93
17.98
11,797.87
28.83
64,950.00
N.A.
N.A.
18.41
34,829.85
14.49
27,167.06
N.A.
N.A.
22.51
19,318.05
12.78
14,770.98
8.20
12,911.86
$
$
PTP Returns (`)
PRINCIPAL DIVIDEND YIELD FUND
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
(Nifty Dividend Opportunities 50 Index)
^Returns (%)
(Nifty 50 Index)
PTP Returns (`)
^Returns (%)
9,002.28
-8.86
$
$
PTP Returns (`)
31-Mar-15 to 31-Mar-16
-6.88
9,311.63
-6.38
9,362.48
-9.98
31-Mar-14 to 31-Mar-15
30.54
13,053.69
31.25
13,124.77
17.76
11,776.12
26.65
12,665.19
28-Mar-13 to 31-Mar-14
14.66
11,466.44
15.33
11,532.88
8.34
10,834.39
17.98
11,797.87
Since Inception 15-Oct-04 to 31-Mar-16
10.86
32,600.00
N.A.
N.A.
Not Available
13.59
43,110.86
N.A.
N.A.
6.95
12,435.37
10,244.01
8.20
12,911.86
Not Available
0.75
9,113.65
SCHEMES MANAGED BY BEKXY KURIAKOSE
PRINCIPAL GOVERNMENT SECURITIES FUND
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
(I-Sec Composite Index)
^Returns (%)
PTP Returns (`)
$
(CRISIL 10 Year Gilt Index)
^Returns (%)
$
PTP Returns (`)
31-Mar-15 to 31-Mar-16
5.90
10,589.81
6.43
10,642.88
8.22
10,822.46
7.97
10,797.36
28-Mar-14 to 31-Mar-15
16.64
11,663.69
17.21
11,720.94
15.72
11,571.61
14.63
11,462.55
28-Mar-13 to 28-Mar-14
1.88
10,188.39
2.39
10,239.36
3.91
10,390.54
-1.01
9,899.15
Since Inception 23-Aug-01 to 31-Mar-16
7.70
29,558.90
N.A.
N.A.
N.A.
N.A.
8.50
13,027.88
Not Available
9.17
Not Available
N.A.
N.A.
13,291.52
7.16
12,516.26
PRINCIPAL DEBT OPPORTUNITIES FUND - CORPORATE BOND PLAN
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
(Crisil Liquid Fund Index)
^Returns (%)
PTP Returns (`)
$
(CRISIL 1 Year T-Bill Index)
^Returns (%)
$
PTP Returns (`)
31-Mar-15 to 31-Mar-16
9.04
10,904.43
9.21
10,921.37
8.06
10,805.90
7.69
10,769.30
28-Mar-14 to 31-Mar-15
9.78
10,978.37
10.28
11,028.44
9.06
10,905.84
8.82
10,881.63
28-Mar-13 to 28-Mar-14
7.18
10,717.62
7.71
10,771.25
9.46
10,946.11
5.77
10,576.74
Since Inception 14-Sep-04 to 31-Mar-16
7.65
23,430.34
N.A.
N.A.
7.17
22,263.84
6.02
19,648.12
N.A.
N.A.
8.99
13,223.09
8.78
13,138.78
7.48
12,634.91
PRINCIPAL DYNAMIC BOND FUND
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
(Crisil Composite Bond Fund Index)
^Returns (%)
PTP Returns (`)
$
^Returns (%)
$
PTP Returns (`)
31-Mar-15 to 31-Mar-16
6.09
10,608.92
6.87
10,686.68
8.24
10,823.88
7.97
10,797.36
28-Mar-14 to 31-Mar-15
14.54
11,453.99
15.36
11,535.85
14.67
11,466.80
14.63
11,462.55
28-Mar-13 to 28-Mar-14
3.61
10,361.35
4.45
10,445.09
4.32
10,431.77
-1.01
9,899.15
7.50
25,442.10
N.A.
N.A.
6.45
22,389.18
5.72
20,504.40
N.A.
N.A.
8.78
13,139.78
8.85
13,166.77
7.16
12,516.26
$
^ Growth Option
INVEST KNOWHOW
30
March 2016
SCHEMES MANAGED BY MR. P.V.K. MOHAN
PRINCIPAL GROWTH FUND
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
(S&P BSE 200 Index)
^Returns (%)
(Nifty 50 Index)
PTP Returns (`)
^Returns (%)
$
$
PTP Returns (`)
31-Mar-15 to 31-Mar-16
-5.49
9,451.30
-4.81
9,518.90
-7.86
9,213.64
-8.86
9,113.65
31-Mar-14 to 31-Mar-15
42.77
14,276.89
43.63
14,362.85
31.93
13,193.17
26.65
12,665.19
28-Mar-13 to 31-Mar-14
26.03
12,603.00
26.77
12,677.28
17.19
11,719.39
17.98
11,797.87
Since Inception 25-Oct-00 to 31-Mar-16
15.26
89,570.00
N.A.
N.A.
14.41
79,900.23
12.93
65,363.63
N.A.
N.A.
14.66
15,585.68
9.02
13,231.45
8.20
12,911.86
PRINCIPAL TAX SAVINGS FUND
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
(S&P BSE 200 Index)
^Returns (%)
(Nifty 50 Index)
PTP Returns (`)
^Returns (%)
$
$
PTP Returns (`)
31-Mar-15 to 31-Mar-16
-5.53
9,447.11
-4.99
9,500.57
-7.86
9,213.64
-8.86
9,113.65
31-Mar-14 to 31-Mar-15
42.75
14,275.07
43.43
14,342.53
31.93
13,193.17
26.65
12,665.19
28-Mar-13 to 31-Mar-14
26.20
12,619.50
26.77
12,676.53
17.19
11,719.39
17.98
11,797.87
16.12
199,242.30
N.A.
N.A.
11.87
94,365.08
10.85
78,538.52
N.A.
N.A.
14.59
15,554.78
9.02
13,231.45
8.20
12,911.86
SCHEME MANAGED BY MR. P.V.K. MOHAN & BEKXY KURIAKOSE
PRINCIPAL BALANCED FUND
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
^Returns (%)
(Nifty 50 Index)
PTP Returns (`)
^Returns (%)
31-Mar-15 to 31-Mar-16
-2.15
9,785.25
-1.41
9,859.46
-2.90
9,709.67
-8.86
9,113.65
31-Mar-14 to 31-Mar-15
30.45
13,045.40
31.53
13,152.76
22.53
12,252.71
26.65
12,665.19
28-Mar-13 to 31-Mar-14
19.09
11,909.18
20.10
12,010.48
13.40
11,340.14
17.98
11,797.87
10.32
49,210.00
N.A.
N.A.
Not Available
Not Available
10.11
47,686.95
N.A.
N.A.
12.35
14,589.83
13,113.49
8.20
12,911.86
$
8.72
$
PTP Returns (`)
SCHEMES MANAGED BY MR. GURVINDER SINGH WASAN
PRINCIPAL BANK CD FUND
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
(CRISIL Liquid Fund Index)
^Returns (%)
PTP Returns (`)
$
^Returns (%)
$
PTP Returns (`)
31-Mar-15 to 31-Mar-16
8.39
10,838.82
8.93
10,893.15
8.06
10,805.90
7.69
10,769.30
28-Mar-14 to 31-Mar-15
8.87
10,887.47
9.40
10,939.66
9.06
10,905.84
8.82
10,881.63
28-Mar-13 to 28-Mar-14
9.59
10,959.41
9.91
10,990.66
9.46
10,946.11
5.77
10,576.74
8.21
19,413.10
N.A.
N.A.
7.69
18,635.72
6.39
16,832.94
N.A.
N.A.
9.29
13,338.44
8.78
13,138.78
7.48
12,634.91
PRINCIPAL INCOME FUND - SHORT TERM PLAN
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
31-Mar-15 to 31-Mar-16
8.04
10,803.92
8.84
28-Mar-14 to 31-Mar-15
28-Mar-13 to 28-Mar-14
10.07
11,007.14
7.93
10,793.08
7.83
N.A.
(CRISIL Short-Term Bond Fund Index)
^Returns (%)
10,884.18
8.47
10.86
11,085.96
8.68
10,867.97
26,457.60
N.A.
N.A.
9.39
PTP Returns (`)
$
^Returns (%)
$
PTP Returns (`)
10,846.62
7.97
10,797.36
10.40
11,040.40
14.63
11,462.55
8.78
10,878.10
-1.01
9,899.15
N.A.
7.10
24,243.87
5.72
20,504.40
13,378.40
9.12
13,271.99
7.16
12,516.26
$
^ Growth Option
INVEST KNOWHOW
31
March 2016
SCHEMES MANAGED BY MR. PANKAJ JAIN
PRINCIPAL DEBT OPPORTUNITIES FUND - CONSERVATIVE PLAN
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
^Returns (%)
PTP Returns (`)
$
^Returns (%)
$
PTP Returns (`)
31-Mar-15 to 31-Mar-16
8.14
10,813.86
9.09
10,908.84
8.06
10,805.90
7.69
10,769.30
28-Mar-14 to 31-Mar-15
8.57
10,856.67
9.62
10,961.71
9.06
10,905.84
8.82
10,881.63
28-Mar-13 to 28-Mar-14
8.97
10,897.27
9.55
10,955.34
9.46
10,946.11
5.77
10,576.74
Since Inception 14-Sep-04 to 31-Mar-16
7.80
23,803.72
N.A.
N.A.
7.17
22,263.84
6.02
19,648.12
N.A.
N.A.
9.36
13,365.74
8.78
13,138.78
7.48
12,634.91
PRINCIPAL DEBT SAVINGS FUND - MONTHLY INCOME PLAN
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
(Crisil MIP Blended Index)
^Returns (%)
PTP Returns (`)
$
(Crisil 10 year Gilt Index)
^Returns (%)
$
PTP Returns (`)
31-Mar-15 to 31-Mar-16
1.50
10,149.74
2.19
10,219.03
5.67
10,566.85
7.97
10,797.36
28-Mar-14 to 31-Mar-15
13.30
11,330.14
14.16
11,416.11
16.54
11,653.84
14.63
11,462.55
28-Mar-13 to 28-Mar-14
2.24
10,224.43
3.04
10,304.28
6.44
10,643.50
-1.01
9,899.15
7.92
28,767.30
N.A.
N.A.
8.59
31,333.04
6.73
24,677.14
N.A.
N.A.
6.17
12,142.74
8.92
13,191.97
7.16
12,516.26
PRINCIPAL DEBT SAVINGS FUND - RETAIL PLAN
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
(CRISIL Short-Term Bond Fund Index)
^Returns (%)
PTP Returns (`)
$
^Returns (%)
$
PTP Returns (`)
31-Mar-15 to 31-Mar-16
7.15
10,715.02
7.96
10,795.70
8.47
10,846.62
7.97
10,797.36
28-Mar-14 to 31-Mar-15
9.46
10,946.09
10.29
11,029.12
10.40
11,040.40
14.63
11,462.55
28-Mar-13 to 28-Mar-14
6.12
10,611.71
6.94
10,693.97
8.78
10,878.10
-1.01
9,899.15
8.17
26,196.30
N.A.
N.A.
7.17
23,364.87
5.26
18,742.84
N.A.
N.A.
8.47
13,017.58
9.12
13,271.99
7.16
12,516.26
PRINCIPAL CASH MANAGEMENT FUND
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
^Returns (%)
PTP Returns (`)
$
^Returns (%)
$
PTP Returns (`)
31-Mar-15 to 31-Mar-16
8.26
10,826.49
8.34
10,834.07
8.06
10,805.90
7.69
10,769.30
28-Mar-14 to 31-Mar-15
9.09
10,908.68
9.17
10,916.80
9.06
10,905.84
8.82
10,881.63
31-Mar-13 to 28-Mar-14
9.20
10,919.77
9.31
10,930.89
9.46
10,946.11
5.77
10,576.74
Since Inception 30-Aug-04 to 31-Mar-16
7.66
23,531.83
N.A.
N.A.
7.16
22,297.90
6.01
19,664.26
N.A.
N.A.
8.94
13,203.48
8.78
13,141.67
7.50
12,646.07
PRINCIPAL RETAIL MONEY MANAGER FUND
Performance
Date
Scheme Returns
Plan - Regular
Plan - Direct
^Returns (%)
PTP Returns (`)
$
^Returns (%)
$
PTP Returns (`)
31-Mar-15 to 31-Mar-16
8.59
10,858.65
8.66
10,866.28
8.06
10,805.90
7.69
10,769.30
28-Mar-14 to 31-Mar-15
9.47
10,947.31
9.57
10,957.37
9.06
10,905.84
8.82
10,881.63
28-Mar-13 to 28-Mar-14
9.84
10,983.95
9.86
10,985.68
9.46
10,946.11
5.77
10,576.74
6.75
17,153.28
N.A.
N.A.
7.70
18,458.48
6.44
16,754.27
N.A.
N.A.
9.37
13,376.67
8.78
13,141.67
7.50
12,646.07
$
^ Growth Option
INVEST KNOWHOW
32
March 2016
Systematic Investment Plan (SIP) Returns
(As on March 31, 2016)
SCHEMES MANAGED BY MR. DHIMANT SHAH
PRINCIPAL EMERGING BLUECHIP FUND - GROWTH
Particulars
Total
Amount
Invested
(in `)
Scheme’s Returns
Returns Yield
(%)
MarketValue
(in `)
Returns Yield*
MarketValue
(%)
(in `)
(Nifty 50 Index)
Returns Yield*
MarketValue
(%)
(in `)
1 Year SIP
120,000.00
-6.54
115,730.52
-3.94
117,437.42
-7.07
115,374.90
3 Years SIP
360,000.00
22.73
501,177.83
16.59
459,931.45
5.19
389,547.19
5 Years SIP
600,000.00
23.03
1,061,607.06
14.69
866,483.06
8.05
734,997.88
7 Years SIP
840,000.00
19.49
1,681,763.48
12.59
1,315,000.93
7.84
1,110,052.59
Since Inception SIP
880,000.00
20.95
1,929,395.57
13.66
1,467,041.25
8.78
1,221,309.88
Inception Date - November 12, 2008
PRINCIPAL DIVIDEND YIELD FUND - GROWTH
Particulars
Total
Amount
Invested
(in `)
Scheme’s Returns
(Nifty Dividend Opportunities 50 Index)
Returns Yield*
MarketValue
(%)
(in `)
(Nifty 50 Index)
Returns Yield*
MarketValue
(%)
(in `)
Returns Yield
(%)
MarketValue
(in `)
1 Year SIP
120,000.00
-9.38
113,846.17
-10.33
113,209.45
-7.07
115,374.90
3 Years SIP
360,000.00
7.17
401,183.38
-0.08
359,564.34
5.19
389,547.19
5 Years SIP
600,000.00
8.77
748,351.90
2.94
646,318.62
8.05
734,997.88
7 Years SIP
840,000.00
8.91
1,153,248.64
5.68
1,027,787.80
7.84
1,110,052.59
10 Years SIP
1,200,000.00
8.95
1,905,774.51
7.30
1,747,317.82
8.14
1,825,802.74
Since Inception SIP
1,370,000.00
9.07
2,350,754.99
Not Available
Not Available
9.43
2,403,161.67
Inception Date - October 15, 2004
SCHEMES MANAGED BY MR. RAJAT JAIN
PRINCIPAL INDEX FUND - NIFTY - GROWTH
Particulars
Total
Amount
Invested
(in `)
Scheme’s Returns
Returns Yield
(%)
1 Year SIP
120,000.00
-6.75
115,590.84
-7.07
115,374.90
-8.20
114,626.30
3 Years SIP
360,000.00
5.35
390,483.60
5.19
389,547.19
4.10
383,199.33
5 Years SIP
600,000.00
8.26
738,790.20
8.05
734,997.88
7.49
724,802.54
7 Years SIP
840,000.00
8.00
1,116,589.49
7.84
1,110,052.59
7.41
1,093,217.43
MarketValue
(in `)
(Nifty 50 Index)
Returns Yield*
MarketValue
(%)
(in `)
(S&P BSE Sensex)
Returns Yield*
MarketValue
(%)
(in `)
10 Years SIP
1,200,000.00
7.97
1,809,627.39
8.14
1,825,802.74
7.74
1,787,918.91
Since Inception SIP
2,000,000.00
11.79
5,854,037.72
12.57
6,312,819.57
12.75
6,425,352.58
Inception Date - July 27, 1999
PRINCIPAL INDEX FUND - MIDCAP - GROWTH
Particulars
Total Amount
Invested
(in `)
Scheme’s Returns
(Nifty 50 Index)
MarketValue (in `) Returns Yield* (%) MarketValue (in `) Returns Yield* (%) MarketValue (in `)
Returns Yield (%)
1 Year SIP
120,000.00
-3.37
117,807.56
-3.94
117,437.42
-7.07
115,374.90
Since Inception SIP
220,000.00
2.99
226,312.08
2.74
225,784.78
-4.45
210,696.51
Inception Date - May 12, 2014
Returns shown above are for Regular Plan - Growth option. Past performance may or may not be sustained in the future.
INVEST KNOWHOW
33
March 2016
SCHEMES MANAGED BY MR. P.V.K. MOHAN
PRINCIPAL GROWTH FUND - GROWTH
Particulars
Total
Amount
Invested
(in `)
Scheme’s Returns
Returns Yield
(%)
MarketValue
(in `)
(S&P BSE 200 Index)
Returns Yield*
MarketValue
(%)
(in `)
(Nifty 50 Index)
Returns Yield*
MarketValue
(%)
(in `)
1 Year SIP
120,000.00
-7.21
115,286.66
-7.08
115,368.01
-7.07
115,374.90
3 Years SIP
360,000.00
12.50
433,801.79
7.28
401,867.28
5.19
389,547.19
5 Years SIP
600,000.00
15.13
875,952.06
9.35
759,078.59
8.05
734,997.88
7 Years SIP
840,000.00
12.97
1,332,980.41
8.63
1,141,855.74
7.84
1,110,052.59
10 Years SIP
1,200,000.00
10.32
2,048,822.19
8.68
1,878,785.94
8.14
1,825,733.09
Since Inception SIP
1,850,000.00
14.81
6,477,604.26
14.05
6,050,086.92
12.96
5,488,484.96
Inception Date - October 25, 2000
PRINCIPAL TAX SAVINGS FUND
Particulars
Total
Amount
Invested
(in `)
Scheme’s Returns
Returns Yield
(%)
MarketValue
(in `)
(S&P BSE 200 Index)
Returns Yield*
MarketValue
(%)
(in `)
(Nifty 50 Index)
Returns Yield*
MarketValue
(%)
(in `)
1 Year SIP
120,000.00
-7.26
115,253.39
-7.08
115,368.01
-7.07
115,374.90
3 Years SIP
360,000.00
12.49
433,720.50
7.28
401,867.28
5.19
389,547.19
5 Years SIP
600,000.00
15.26
878,784.74
9.35
759,078.59
8.05
734,997.88
7 Years SIP
840,000.00
13.21
1,344,775.33
8.63
1,141,855.74
7.84
1,110,052.59
10 Years SIP
1,200,000.00
10.54
2,072,892.41
8.68
1,878,762.47
8.14
1,825,728.45
Since Inception SIP
2,400,000.00
17.20
17,365,600.68
13.29
10,732,768.39
12.17
9,374,362.76
Inception Date - March 31, 1996
SCHEME MANAGED BY MR. P.V.K. MOHAN & BEKXY KURIAKOSE
PRINCIPAL BALANCED FUND - GROWTH
Particulars
Total
Amount
Invested
(in `)
Scheme’s Returns
Returns Yield
(%)
MarketValue
(in `)
Returns Yield*
MarketValue
(%)
(in `)
(Nifty 50 Index)
Returns Yield*
MarketValue
(%)
(in `)
1 Year SIP
120,000.00
-2.83
118,165.25
-1.47
119,050.15
-7.07
115,374.90
3 Years SIP
360,000.00
10.34
420,371.81
7.10
400,779.96
5.19
389,547.19
5 Years SIP
600,000.00
12.23
815,517.89
8.75
747,944.64
8.05
734,997.88
7 Years SIP
840,000.00
10.86
1,236,306.78
8.41
1,132,880.83
7.84
1,110,052.59
10 Years SIP
1,200,000.00
10.21
2,037,025.68
8.60
1,870,808.72
8.14
1,825,802.74
Since Inception SIP
1,940,000.00
13.04
6,154,481.12
Not Available
Not Available
12.72
5,975,430.75
Inception Date - January 14, 2000
Returns shown above are for Regular Plan - Growth option. Past performance may or may not be sustained in the future.
INVEST KNOWHOW
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March 2016
SCHEMES MANAGED BY MR. ANUPAM TIWARI
PRINCIPAL LARGE CAP FUND - GROWTH
Particulars
Total
Amount
Invested
(in `)
Scheme’s Returns
Returns Yield
(%)
1 Year SIP
120,000.00
-8.09
114,703.89
-7.54
115,062.80
-7.07
115,374.90
3 Years SIP
360,000.00
9.34
414,249.25
5.58
391,822.65
5.19
389,547.19
5 Years SIP
600,000.00
11.29
796,747.35
8.32
739,954.82
8.05
734,997.88
7 Years SIP
840,000.00
10.75
1,231,803.14
7.94
1,113,920.48
7.84
1,110,052.59
10 Years SIP
1,200,000.00
11.33
2,161,585.71
8.21
1,832,650.64
8.14
1,825,802.74
Since Inception SIP
1,240,000.00
11.53
2,306,580.86
8.37
1,939,008.25
8.31
1,932,580.28
MarketValue
(in `)
(S&P BSE 100 Index)
Returns Yield*
MarketValue
(%)
(in `)
(Nifty 50 Index)
Returns Yield*
MarketValue
(%)
(in `)
Inception Date - November 11, 2005
PRINCIPAL PERSONAL TAX SAVER FUND
Particulars
Total
Amount
Invested
(in `)
Scheme’s Returns
Returns Yield
(%)
1 Year SIP
120,000.00
-8.44
114,469.41
-7.54
115,062.80
-7.07
115,374.90
3 Years SIP
360,000.00
9.30
414,003.52
5.58
391,822.65
5.19
389,547.19
5 Years SIP
600,000.00
11.29
796,692.65
8.32
739,954.82
8.05
734,997.88
7 Years SIP
840,000.00
10.11
1,203,957.07
7.94
1,113,920.48
7.84
1,110,052.59
MarketValue
(in `)
(S&P BSE 100 Index)
Returns Yield*
MarketValue
(%)
(in `)
(Nifty 50 Index)
Returns Yield*
MarketValue
(%)
(in `)
10 Years SIP
1,200,000.00
9.47
1,958,835.44
8.20
1,832,161.71
8.13
1,825,386.41
Since Inception SIP
2,390,000.00
18.73
20,803,915.76
12.90
10,145,310.10
12.15
9,271,507.05
Inception Date - March 31, 1996
PRINCIPAL SMART EQUITY FUND - GROWTH
Particulars
Total
Amount
Invested
(in `)
Scheme’s Returns
Returns Yield
(%)
MarketValue
(in `)
Returns Yield*
MarketValue
(%)
(in `)
(Nifty 50 Index)
Returns Yield*
MarketValue
(%)
(in `)
1 Year SIP
120,000.00
-0.41
119,734.14
-1.47
119,050.15
-7.07
115,374.90
3 Years SIP
360,000.00
11.05
424,730.39
7.10
400,779.96
5.19
389,547.19
5 Years SIP
600,000.00
12.34
817,679.78
8.75
747,944.64
8.05
734,997.88
Since Inception SIP
630,000.00
12.15
868,071.95
8.61
791,278.58
7.86
775,862.82
Inception Date - December 16, 2010
Returns shown above are for Regular Plan - Growth option.
The returns shown above are calculated using XIRR approach assuming investment of ` 10,000/- on the 1st business day of every month. XIRR helps in calculating return on investments given an initial
and final value and a series of cash inflows and outflows with the correct allowance for the time impact of the transactions. Load is not taken into consideration for computation of performance.
For performance of all schemes, Investors are advised to refer ‘Returns’ section on page 29-32.
Disclaimer: The above investment simulation is for illustrative purposes only and should not be construed as a promise on minimum returns and safeguard of capital. The AMC / Mutual Fund
is not guaranteeing or promising or forecasting any returns. SIP does not assure a profit or guarantee protection against a loss in a declining market.
INVEST KNOWHOW
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March 2016
Tax Rates for Mutual Fund Investors1
as per the Finance Act, 2015 – SNAPSHOT
EQUITY ORIENTED FUNDS (SUBJECT TO STT3)
Short Term Capital
Gains Tax (STCG)2
2014-15
2015-16
Financial Year
Long Term Capital
Gains Tax (LTCG)2
2014-15
2015-16
Dividend
Income
2014-15
2015-16
Tax on Distributed
Income
2014-15 2015-16
TDS on
Capital Gains7
2014-15
2015-16
Resident Individual /
HUF / AOP / BOI
15%
15%
Nil
Nil
Exempt
Exempt
Nil
Nil
Nil
Nil
Resident
Partnership Firms
15%
15%
Nil
Nil
Exempt
Exempt
Nil
Nil
Nil
Nil
Domestic
Companies
15%
15%
Nil
Nil
Exempt
Exempt
Nil
Nil
Nil
Nil
NRIs 4
15%
15%
Nil
Nil
Exempt
Exempt
Nil
Nil
FPIs 4 & 10
15%
15%
Nil
Nil
Exempt
Exempt
Nil
Nil
STCG - 15%2 STCG - 15%2
LTCG - Nil
LTCG - Nil
STCG - Nil 6
LTCG - Nil 6
STCG - Nil 6
LTCG - Nil 6
OTHER THAN EQUITY ORIENTED FUNDS (including Infrastructure Debt Funds8)
Short Term
Capital Gains
Tax 2 & 13
Resident
Individual /
HUF
Long Term
Capital Gains
Tax 2 & 13
2014-15 2015-16 2014-15
As per
As per
20%
slab rates slab rates (With Indexation)
2015-16
20%
Dividend
Income
Tax on Distributed
Tax on Distributed
Income - Other than
Income - Liquid /
Liquid / Money
Money Market
Market Schemes
Schemes
2014-15 2015-16 2014-1511&12 2015-1611&12 2014-1511&12 2015-1611&12
Exempt Exempt
25%
25%
25%
25%
TDS on
Capital Gains 7
2014-15
Nil
2015-16
Nil
(With Indexation)
Option to tax
@10%
Without Indexation
(if transferred
between
1-4-2014 to
10-7-2014)
AOP/BOI
As per
As per
slab rates slab rates
20%
20%
Exempt
Exempt
30%
30%
30%
30%
Nil
Nil
Exempt
Exempt
30%
30%
30%
30%
Nil
Nil
Exempt
Exempt
25%
25%
25%
25%
5% for IDFs
5% for IDFs
(With Indexation) (With Indexation)
Option to tax
@10%
Without Indexation
(if transferred
between
1-4-2014 to
10-7-2014)
Domestic
Companies /
Firms
30%
30%
20%
20%
(With Indexation) (With Indexation)
Option to tax
@10%
Without Indexation
(if transferred
between
1-4-2014 to
10-7-2014)
NRIs 4
As per
slab rates
As per Listed Units - Listed Units slab rates
20%
20%
(with Indexation)
Option to tax
@10%
(with Indexation)
Unlisted
Without Indexation Units - 10%
(if transferred (without Indexation)5
between
1-4-2014 to
10-7-2014)
STCG - 30%2 STCG - 30%2
LTCG - 20%2 LTCG - 20%2
with indexation
for listed units.
with indexation
for listed units.
10%2
10%2
STCG - Nil6
LTCG - Nil6
STCG - Nil6
LTCG - Nil6
without indexation without indexation
for unlisted units5 for unlisted units5
Unlisted
Units - 10%
(without Indexation)5
FPI
4 & 10
30%
30%
10%
10%
Exempt
Exempt
without Indexation without Indexation
30%
30%
5% for IDFs
5% for IDFs
30%
30%
(Contd. on next page)
INVEST KNOWHOW
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March 2016
1 It is assumed that the mutual fund units are held as capital assets by the investors.
2 Plus applicable surcharge [refer note 9], if any, and Education Cess at the rate of 2% on income-tax and surcharge and Secondary and Higher Education cess at the rate of 1% on income-tax and surcharge.
3 Securities Transaction Tax (‘STT’) is applicable only in respect of sale of units of Equity-oriented funds ('EOFs') on a recognised stock exchange and redemption of EOUs by the mutual fund. Purchase/ sale/ redemption
of units other than EOUs are not subject to STT.
4 Non-resident investors shall be entitled to be governed by provisions of the applicable Tax Treaty, which India has entered with the country of residence of the non-resident investor, if that is more beneficial than the
provisions of the Income-tax Act, 1961 (‘the Act’), subject to certain conditions. As per section 90(4) of the Act, a non-resident shall not be entitled to claim treaty benefits, unless the non-resident obtains a Tax Residency
Certificate of being a resident of his home country. Furthermore, as per section 90(5) of the Act, non-resident is also required to provide such other documents and information, as prescribed by CBDT, as applicable.
5 As per section 112 of the Act (as amended by the Finance Act, 2012), long-term capital gains in case of non-residents would be taxable @ 10% on transfer of capital assets, being unlisted securities, computed without
giving effect to first & second proviso to section 48 i.e. without taking benefit of foreign currency fluctuation and indexation benefit.
6 Section 196D of the Act provides that no tax is required to be withheld for payment to a FII / FPI in respect of capital gains arising on transfer of units.
7 As per provisions of Section 206AA of the Act, if there is default on the part of a non-resident investor (entitled to receive redemption proceeds from the Mutual Fund on which tax is deductible under Chapter XVII of
the Act) to provide its Permanent Account Number, the tax shall be deducted at higher of the following rates: i) rates specified in relevant provisions of the Act; or ii) rate or rates in force; or iii) rate of 20%.
8 “Infrastructure Debt Fund” means an infrastructure debt fund as defined in clause 1 of the regulation 49L of the Securities and Exchange Board of India (Mutual Fund) Regulations, 1996. As per clause 1 of regulation
49L , an ‘Infrastructure Debt Fund Scheme’ would mean, a scheme which invests primarily (minimum 90% of scheme assets) in debt securities or securitized debt instrument of infrastructure companies or infrastructure
capital companies or infrastructure projects or special purpose vehicles, etc. or other permissible assets in accordance with these regulations or bank loans in respect of completed and revenue generating projects of
infrastructure companies or projects or special purpose vehicles.
9 Surcharge applicable for FY 2015-16:
Type of Investor
Surcharge rate as a % of Income-tax
If income is
less than ` 1 crores
If income exceeds ` 1 crore
but less than ` 10 crores
If income exceeds
` 10 crores
Resident Individual, HUF, AOP and Partnership Firm
Nil
12%
12%
Domestic Company
Nil
7%
12%
Foreign Company
Nil
2%
5%
Foreign non-corporate
Nil
12%
12%
10 The FPI Regulations replaced the existing SEBI (Foreign Institutional Investor) Regulations, 1995 and the Qualified Foreign Investors framework, and are effective from 7 January 2014. As per Notification
No. 9/2014 dated 22 January 2014, the Central Government has specified the Foreign Portfolio Investors registered under the Securities and Exchange Board of India (Foreign Portfolio Investors)
Regulations, 2014, as ‘Foreign Institutional Investor’ for the purposes of clause (a) of the Explanation to section 115AD of the Act.
11 Rates are exclusive of surcharge at the rate of 12% and education cess at the rate of 3%.
12 With effect from 1 October 2014, as per Finance (No. 2) Act, 2014, additional tax on income distributed to unit-holders would be levied on the amount of income to be distributed including such additional tax
(i.e. grossing-up), as against levy on only the amount of income to be distributed, thereby resulting in a higher effective rate of tax on distributed income.
13 Capital gains arising on the transfer or redemption of other than equity oriented units (from 1 April 2014 to 10 July 2014) held for a period of 12 months or more, immediately preceding the date of transfer
should be regarded as ‘long term capital gains’. Capital gains arising on transfer or redemption of such units on or after 11 July 2014 should be regarded as long-term capital gains if such units are held for a
period of 36 months or more immediately preceding the date of transfer.
(Contd. on next page)
INVEST KNOWHOW
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March 2016
INCOME TAX RATES FOR INDIVIDUAL / HUF / AOP / BOI for AY 2016-17
Total Income
Tax Rates (c)
Up to ` 250,000 (a)(b)(d)
NIL
` 250,001 to ` 500,000
10%
` 500,001 to ` 1,000,000
20%
` 1,000,001 and above
30%
(a) In the case of a resident individual of the age of 60 years or more but less than 80 years, the basic exemption limit is ` 300,000.
(b) In the case of a resident individual of the age of 80 years or more, the basic exemption limit is ` 5,00,000.
(c) Plus, surcharge on income-tax, as applicable and education cess is applicable at the rate of 2% on income-tax and secondary and higher education cess at the rate
of 1% on income-tax
(d) Rebate of upto ` 2,000 available for resident individuals whose total income does not exceed ` 5,00,000.
SECURITIES TRANSACTION TAX
Equity Oriented Fund
STT on sale of a unit of equity oriented mutual fund to the mutual fund is levied at 0.001%.
No STT is chargeable on purchase of units of an equity oriented mutual fund entered into in recognised stock exchange.
STT on sale of a unit of an equity oriented mutual fund where the transaction is entered into in recognized stock exchange and the contract for sale is settled by the
actual delivery is levied at 0.001%.
Other than Equity Oriented Fund: Purchase/ sale/ redemption of units other than equity-oriented units shall not be subject to STT.
Mutual Fund would also pay securities transaction tax wherever applicable on the securities bought/sold.
As per Section 94(7): The loss due to sale of Units in the schemes (where income distributed on MF units is tax free) will not be available for set-off to the extent of the
tax free income distributed; if units are: (A) Bought within three months prior to the record date fixed for income distribution; and (B) sold within nine months after the
record date fixed for income distribution.
As per Section 94(8): The loss due to sale of original Units in the schemes, where bonus Units are issued, will not be available for setoff; if original units are :- (A) Bought
within three months prior to the record date fixed for allotment of bonus units; and (B) sold within nine months after the record date fixed for allotment of bonus units.
However, the amount of loss so ignored shall be deemed to be the cost of purchase or acquisition of such unsold bonus units held on the date of transfer of original units.
This information is being provided for basic guidance for investments in mutual funds and is based on provisions of the Income-tax Act, 1961, as proposed by the Finance
Act, 2015. The tax implications may vary for each assessee based on the details of his income. All rates and figures appearing are for illustrative purposes only. Tax benefits
are subject to change in tax laws. Contents of this note have been drawn for informative purpose only and the same should not be used or considered as an investment/tax advice.
The AMC/Trustee/Sponsor accepts no liability whatsoever for any direct or consequential loss arising from any information provided in this note.
INVEST KNOWHOW
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March 2016
How to Read Factsheet

FUND MANAGER - An employee of the asset management company such as a mutual fund or life insurer, who manages investments of
the scheme. He is usually part of a larger team of fund managers and research analysts.

APPLICATION AMOUNT FOR FRESH SUBSCRIPTION - This is the minimum investment amount for a new investor in a mutual fund scheme.

MINIMUM ADDITIONAL AMOUNT - This is the minimum investment amount for an existing investor in a mutual fund scheme.

YIELD TO MATURITY - The Yield to Maturity or the YTM is the rate of return anticipated on a bond if held until maturity. YTM is
expressed as an annual rate. The YTM factors in the bond's current market price, par value, coupon interest rate and time to maturity.

SIP - SIP or systematic investment plan works on the principle of making periodic investments of a fixed sum. It works similar to a
recurring bank deposit. For instance, an investor may opt for an SlP that invests ` 500 every 15th of the month in an equity fund for a
period of three years.

NAV - The NAV or the net asset value is the total asset value per unit of the mutual fund after deducting all related and permissible
expenses. The NAV is calculated at the end of every business day. It is the value at which the investor enters or exits the mutual fund.

BENCHMARK - A group of securities, usually a market index, whose performance is used as a standard or benchmark to measure
investment performance of mutual funds, among other investments. Some typical benchmarks include the Nifty, Sensex, BSE200,
BSE500, 10-Year G-sec.

ENTRY LOAD - A mutual fund may have a sales charge or load at the time of entry and/or exit to compensate the distributor/agent.
Entry load is charged at the time an investor purchases the units of a mutual fund. The entry load is added to the prevailing NAV at the
time of investment. For instance, if the NAV is ` 100 and the entry load is 1%, the investor will enter the fund at ` 101.
Note: SEBI, vide circular dated June 30, 2009 has abolished entry load and mandated that the upfront commission to distributors will be paid by the
investor directly to the distributor, based on his assessment of various factors including the service rendered by the distributor.

EXIT LOAD - Exit load is charged at the time an investor redeems the units of a mutual fund. The exit load is deducted from the prevailing
NAV at the time of redemption. For instance, if the NAV is ` 100 and the exit load is 1%, the redemption price would be ` 99 per unit.

MODIFIED DURATION - Modified duration is the price sensitivity and the percentage change in price for a unit change in yield.

STANDARD DEVIATION - Standard deviation is a statistical measure of the range of an investment’s performance. When a mutual fund
has a high standard deviation, its means its range of performance is wide, implying greater volatility.

SHARPE RATIO - The Sharpe Ratio, named after its founder, the Nobel Laureate William Sharpe, is a measure of risk-adjusted returns.
It is calculated using standard deviation and excess return to determine reward per unit of risk.

BETA - Beta is a measure of an investment’s volatility vis-a-vis the market. Beta of less than 1 means that the security will be less
volatile than the market. A beta of greater than 1 implies that the security's price will be more volatile than the market.

AUM - AUM or assets under management refers to the recent / updated cumulative market value of investments managed by a mutual
fund or any investment firm.

HOLDINGS - The holdings or the portfolio is a mutual fund’s latest or updated reported statement of investments/securities. These are
usually displayed in terms of percentage to net assets or the rupee value or both. The objective is to give investors an idea of where
their money is being invested by the fund manager.

NATURE OF SCHEME - The investment objective and underlying investments determine the nature of the mutual fund scheme. For
instance, a mutual fund that aims at generating capital appreciation by investing in stock markets is an equity fund or growth fund.
Likewise, a mutual fund that aims at capital preservation by investing in debt markets is a debt fund or income fund. Each of these
categories may have sub-categories.

RATING PROFILE - Mutual funds invest in securities after evaluating their creditworthiness as disclosed by the ratings. A depiction of the
mutual fund in various investments based on their ratings becomes the rating profile of the fund. Typically, this is a feature of debt funds.
MAAUM - Monthly Average Asset Under Management
++ ICRA has assigned credit risk rating of [ICRA]A1+mfs to Principal Cash Management Fund and Principal Debt Opportunities Fund - Conservative Plan. The rating is the highest-credit-quality
short-term rating assigned by ICRA to debt funds. Rating methodology used by ICRA is based on evaluating the inherent credit quality of the mutual funds portfolio. As a measure of the credit quality
of a debt fund’s assets, ICRA uses the concept of “credit scores”, based on ICRA’s assessment of credit risk associated with each exposure of the portfolio taking into account its maturity. To quantify
the credit risk scores, ICRA uses its database of historical default rates for various rating categories for various maturity buckets. The credit risk ratings incorporate ICRA’s assessment of a debt fund's
published investment objectives and policies, its management characteristics, and the creditworthiness of its investment portfolio. ICRA reviews relevant fund information on an ongoing basis to
support its published rating opinions. If the portfolio credit score meets the benchmark of the assigned rating during the review, the rating is retained. In an event that the benchmark credit score
is breached, ICRA gives a month's time to the debt fund manager to bring the portfolio credit score within the benchmark credit score. If the debt fund manager is able to reduce the portfolio credit
score within the benchmark credit score, the rating is retained. If the portfolio still continues to breach the benchmark credit score, the rating is revised to reflect the change in credit quality. The
ratings should, however, not be construed as an indication of the prospective performance of the Mutual fund scheme or of volatility in its returns. ICRA ratings should not be treated as
recommendation to buy, sell or hold the rated debt instruments. ICRA ratings are subject to a process of surveillance which may lead to a revision in ratings. Source: ICRA Ltd.
DISCLAIMER:
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
This factsheet is for informative purpose only and under no circumstances is to be used or considered as an investment advice. Terms of issue / load structure/
Scheme specific risk factors are set forth in the Scheme Information Document(SID). Copy of the same is available at all our Investor Service Centres.
Alternatively, Investor can download the SID from our website - www.principalindia.com or can call us at 1800 425 5600 to get a copy of the same.
INVEST KNOWHOW
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March 2016
Offices of AMC Identified as Official Point of Acceptance (OPA) / Investor Service Centres (ISC)
Principal Pnb Asset Management Company Private Limited - OPA & ISC:
• Mumbai: Exchange Plaza, ‘B’ wing, Ground Floor, NSE Building, Bandra Kurla Complex, Bandra (East), Mumbai-400 051
Principal Pnb Asset Management Company Private Limited - ISC:
• Ahmedabad: 101-104, GCP Business Centre, Opp. Memnagar Fire Station, Vijay Cross Road, Ahmedabad-380 014 • Bengaluru: Level 1, Tower B,
The Millenia, 1 & 2 Murphy Road, Ulsoor, Bengaluru-560 008 • Chandigarh: Office No. 435, Level 4, Tower-A, Godrej Eternia, Plot No. 70, Industrial
Area 1, Chandigarh-160 002 • Chennai: ''Amara Sri", Old No. 313, New No. 455, Block No. 75, 7th Floor, Anna Salai, Teynampet, Chennai-600 018
• Hyderabad: Office No. 314, 3rd Floor, Belvedere, Raj Bhavan Road, Somajiguda, Hyderabad-500 082 • Jaipur: Office No. 445, 4th Floor, Ganpati
Plaza, M. I. Road, Jaipur-302 005 • Kolkata: The Legacy, 1st Floor, 25-A, Shakespeare Sarani, Kolkata-700 016 • Lucknow: 4th Floor, Halwasiya Court,
Mahatma Gandhi Marg, Hazratganj, Lucknow-226 001 • New Delhi: R Cube Suite No. O-06 & 07, Lower Ground Floor Level, Shivaji Stadium
Metro Station, Airport Express Line, New Delhi-110 001 • Pune: The Senate Business Center, 100ft Riverside, D.P. Road, Vartak Baug, Erandwane,
Pune-411 052.
Centres of Karvy Computershare Private Limited (R&T to Principal Mutual Fund) which have been identified as Official Point of Acceptance:
Agra: 1st Floor, Deepak Wasan Plaza, Behind Holiday Inn, Opp. Megdoot Furnitures, Sanjay Place, Agra-282 002 • Ahmedabad: 201/202 Shail, Opp. Madhusudan House, Navrangpura, Ahmedabad-380 006
• Ajmer: 302, 3rd Floor, Ajmer Auto Building, Opp. City Power House, Jaipur Road, Ajmer - 305 001 • Aligarh: 1st Floor, Kumar Plaza, Aligarh-202 001 • Allahabad: RSA Towers, 2nd Floor, Above Sony
TV Showroom, 57, S.P. Marg, Civil Lines, Allahabad-211 001 • Amritsar: 72-A, Taylor's Road, Opp. Aga Heritage Club, Amritsar-143 001 • Anand: B-42 Vaibhav Commercial Center, Nr TVS Down Town
Show Room, Grid Char Rasta, Anand-380 001 • Asansol: 114/71, G.T. Road, Near Sony Centre, Bhanga Pachil, Asansol-713 303 • Aurangabad: Ramkunj Niwas, Railway Station Road, Near Osmanpura
Circle, Aurangabad-431 005 • Bangalore: 59, Skanda Puttanna Road, Basavanagudi, Bangalore-560 004 • Bankura: Ambika Market Complex, Gr. Floor, Nutanganj, Post & Dist Bankura, Bankura-722 101
• Bareilly: 1st Floor, 165, Civil Lines, Opp. Hotel Bareilly Palace, Near Railway Station, Bareilly-243 001 • Belgaum: CTS No. 3939/ A2 A1, Above Raymonds Show Room, Beside Harsha Appliances, Club
Road, Belgaum-590 001 • Bharuch: Shop No. 147-148, Aditya Complex, Near Kasak Circle, Bharuch-392 001 • Bhatinda: #2047-A 2nd Floor, The Mall Road, Above Max New York Life Insurance, New
Delhi-151 001 • Bhavnagar: Krushna Darshan Complex, Parimal Chowk, Office No. 306-307, 3rd Floor, Above Jed Blue Show Room, Bhavnagar 364 002 • Bhilai: Shop No. 1, First Floor, Plot No.1,
Commercial Complex, Nehru Nagar (East), Bhilai-490 020 • Bhopal: Kay Kay Business Centre, 133, Zone I, M.P. Nagar, Above City Bank, Bhopal-462 011 • Bhubaneshwar: A/181 , Back Side of Shivam
Honda Show Room, Saheed Nagar, Bhubaneswar-751 007 • Bikaner: 70-71, 2nd Floor, Dr. Chahar Building, Panchsati Circle, Sadul Ganj, Bikaner-334 001 • Bokaro: B-1, 1st Floor, City Centre, Sector-4,
Near Sona Chandi Jwellars, Bokaro-827 004 • Burdwan: 63 G.T. Road, Halder Complex 1st Floor, Burdwan-713 101 • Calicut: 2nd Floor, Soubhagya Shopping Complex, Arayidathpalam, Mavoor Road,
Calicut-673 004 • Chandigarh: SCO 2423-2424, Sector 22-C, Chandigarh-160 022 • Chennai: F-11, Akshaya Plaza, 1st Floor, 108, Adhithanar Salai, Egmore, Opp. Chief Metropolitan Court, Chennai-600
002 • Cochin: Ali Arcade, 1st Floor, Kizhavana Road, Panampilly Nagar, Near Atlantis Junction, Ernakualm-682 036 • Coimbatore: 3rd Floor, Jaya Enclave, 1056/1057 Avinashi Road, Coimbatore-641 018
• Cuttack: P.O. - Buxi Bazar, Cuttack, Opp. Dargha Bazar, Dargha Bazar, Cuttack-753 001 • Dehradun: Kaulagarh Road, Near Sirmaur Margabove, Reliance Webworld, Dehradun-248 001 • Dhanbad: 208
New Market, 2nd Floor, Bank More, Dhanbad-826 001 • Durgapur: Mwav-16 Bengal Ambuja, 2nd Floor, City Centre, 16 Dt Burdwan, Durgapur-713 216 • Erode: No. 4, Veerappan Traders Complex, KMY
Salai, Sathy Road, Opp. Erode Bus Stand, Erode-638 003 • Faridabad: A-2B, 1st Floor, Nehru Groundnit, Faridabad-121 001 • Ghaziabad: 1st Floor, C-7, Lohia Nagar, Ghaziabad-201 001 • Goa: Flat No.
1-A, H. No. 13/70, Timotio Bldg. Heliodoro Salgado Road, Next to Navhind Bhavan (Market Area), Panaji, Goa - 403 001 • Gorakhpur: Above V.I.P. Houseajdacent, A.D. Girls College, Bank Road, Gorakpur273 001 • Gurgaon: Shop No.18, Gr. Floor, Sector-14, Opp. AKD Tower, Near Huda Office, Gurgaon-122 001 • Guwahati: 1st Floor, Bajrangbali Building, Near Bora Service Station, G.S. Road, Guwahati 781 007 • Gwalior: 2nd Floor, Rajeev Plaza, Jayendra Ganj, Lashkar, Gwalior. M.P.-474 009 • Hubli: CTC No. 483 / A1-A2, Gr. Floor, Shri Ram Plaza, Behind Kotak Mahindra Bank, Club Road, Hubli - 580
029. • Hyderabad: KARVY CENTRE, 8-2-609/K, Avenue 4, Street No. 1, Banjara Hills, Hyderabad - 500 034. • KARVY SELENIUM, Plot No. 31 & 32, Tower B, Survey No. 115 /22, 115/24 &115/25, Financial
District, Gachibowli, Nanakramguda, Serlingampally Mandal, Ranga Reddy District, Hyderabad - 500 032 • Indore: 2nd Floor, 203-205, Balaji Corporates, Above ICICI Bank, 19/1 New Palasia, Indore-452
001 • Jabalpur: Grover Chamber, 43 Naya Bazar Malviya Chowk, Opp. Shyam Market, Jabalpur-482 002 • Jaipur: S-16/A 3rd Floor, Land Mark Building, Opp. Jai Club, Mahaver Marg C-Scheme, Jaipur302 001 • Jalandhar: 1st Floor, Shanti Towers, SCO No. 37, PUDA Complex, Opp. Tehsil Complex, Jalandhar-144 001 • Jalgaon: 269 Jaee Vishwa, 1st Floor, Above United Bank of India, Baliram Peth, Near
Kishor Agencies, Jalgaon - 425 001 • Jammu: 5 A/D Extension 2, Near Panama Chowk Petrol Pump, Panama Chowk, Jammu-180 012 • Jamnagar: 136-138, Madhav Palaza, Opp. SBI Bank, Near Lal
Bunglow, Jamnagar-361 001 • Jamshedpur: 2nd Floor, R.R. Square, SB Shop Area, Near Reliance Foot Print & Hotel, BS Park Plaza, Main Road, Bistupur, Jamshedpur-831 001 • Jodhpur: 203, Modi
Arcade, Chopasni Road, Jodhpur-342 001 • Junagadh: 124-125 Punit Shopping Center, M.G. Road, Ranavav Chowk, Junagadh-362 001 • Kanpur: 15/46, B, Gr. Floor, Opp. Muir Mills, Civil Lines, Kanpur208 001 • Karnal: 18/369, Char Chaman, Kunjpura Road, Behind Miglani Hospital, Karnal-132 001 • Kolhapur: 605/1/4, E Ward, Shahupuri 2nd Lane, Laxmi Niwas, Near Sultane Chambers, Kolhapur-416
001 • Kolkata: 166 A, Rashbihari Avenue, 2nd Floor, Opp. Fortish Hospital, Kolkata-700 029 • Kota: 29, 1st Floor, Near Lala Lajpat Rai Circle, Shopping Centre, Kota-324 007 • Kottayam: 1st Floor
Csiascension Square, Railway Station Road, Collectorate P. O., Kottayam-686 002 • Lucknow: 1st Floor, A. A. Complex, Thaper House, 5 Park Road, Hazratganj, Lucknow - 226 001 • Ludhiana: SCO-136,
1st Floor, Above Airtel Showroom, Feroze Gandhi Market, Ludhiana-141 001 • Madurai: Rakesh Towers, 30-C, 1st Floor, Bye Pass Road, Opp. Nagappa Motors, Madurai-625 010 • Malda: Sahis Tuli, Under
Ward No.6, No.1 Govt Colony, English Bazar Municipality, Malda-732 101 • Mangalore: Mahendra Arcade, Opp. Court Road, Karangal Padi, Mangalore-575 003 • Meerut: 1st Floor, Medi Centre, Opp. ICICI
Bank, Hapur Road, Near Bachha Park, Meerut-250 002 • Mehsana: Ul-47, Apollo Enclave, Opp. Simandhar Temple, Modhera Cross Road, Mehsana-384 002 • Moradabad: Om Arcade, Parker Road, Above
Syndicate Bank, Chowk Tari Khana, Moradabad-244 001 • Mumbai: 24/B, Raja Bahadur Compound, Ambalal Doshi Marg, Behind BSE Bldg., Fort, Mumbai-400 001 • Mumbai - Borivali: Gr. Floor,
Himanshu Bldg., Sodawala Lane, Lina Chandawarkar Road, Borivali, Mumbai-400 091 • Mumbai - Thane: 101, Yashwant Building, Ram Ganesh, Godkari Path, Ram Maruti Road, Naupada, Thane-400 602
• Mumbai - Vashi: Shop No. 43-A, Ground Floor, Vashi Plaza Sector-17, Near Apna Bazar, Vashi-400 705 • Muzaffarpur: 1st Floor, Uma Market, Thana Gumtimoti Jheel, Muzaffarpur-842 001 • Mysore:
L-350, Silver Tower, Ashoka Road, Opp. Clock Tower, Mysore-570 001 • Nadiad: 104/105, Near Paras Cinema, City Point Nadiad, Nadiad-387 001 • Nagpur: Plot No. 2/1, House No 102/1, Mangaldeep
Appartment, Mata Mandir Road, Opp. Khandelwal Jewelers, Dharampeth, Nagpur-440 010 • Nasik: S-12,Suyojit Sankul, Sharanpur Road, Near Rajiv Gandhi Bhavan, Nasik-422 002 • Navsari: 1/1 Chinmay
Aracade, Opp. Sattapir Road, Tower Road, Navsari-396 445 • New Delhi: 305, New Delhi House, 27, Barakhamba Road, New Delhi -110 001 • Noida: 405, 4th Floor, Vishal Chamber, Plot No. 1, Sector18, Noida - 201 301 • Panipat: 1st Floor, Java Complex, Above Vijaya Bank, G.T. Road, Panipat-132103 • Patiala: SCO-27 D, Chotti Baradari, Near Car Bazaar, Patiala-147 001 • Patna: 3-A, 3rd Floor, Anand
Tower, Exhibition Road, Opp. ICICI Bank, Patna-800 001 • Pondicherry: No. 7, Thiayagaraja Street, Pondicherry-605 001 • Pune: Mozaic Bldg, CTS No.1216/1, Final Plot No. 576/1 TP, Scheme No.1, F. C.
Road, Bhamburda, Shivaji Nagar, Pune - 411 004 • Raipur: Shop No. 31 Third Floor, Millenium Plaza Above Indian House, Behind Indian Coffee House, Raipur 492 001 • Rajkot: 104, Siddhi Vinyak Complex,
Opp. Ramkrishna Ashram, Dr. Yagnik Road, Rajkot, Rajkot-360 001 • Ranchi: Room No. 307, 3rd Floor, Commerce Tower, Beside Mahabir Tower, Ranchi-834 001 • Rourkela: 1st Floor, Sandhu Complex,
Kachery Road, Uditnagar, Rourekla-769 012 • Salem: No. 40, 2nd Floor, Brindavan Road, Fairlands, Near Perumal Koil, Salem-636 016 • Shillong: Annex Mani Bhawan, Lower Thana Road, Near R K M Lp
School, Shillong-793 001 • Shimla: Triveni Building, By Pas Chowkkhallini, Shimla-171 002 • Siliguri: Nanak Complex, Sevoke Road, Siliguri-734 001 • Surat: G-5, Empire State Buliding, Near Udhna
Darwaja, Ring Road, Surat-395 002 • Tirunelveli: 55/18, Jeney Building, S.N. Road, Near Aravind Eye Hospital, Tirunelveli-627 001 • Trichur: 2nd Floor, Brothers Complex, Naikkanal Junction, Shornur
Road Near Dhanalakshmi Bank H O, Thrissur-680 001 • Trichy: 60, Sri Krishna Arcade, Thennur High Road, Trichy-620 017 • Trivandrum: 2nd Floor, Akshaya Tower, Sasthamangalam, Trivandrum-695 010
• Udaipur: 201-202, Madhav Chambers, Opp. GPO, Chetak Circle, Udaipur-313 001 • Vadodara: 203, Corner point, Jetalpur Road, Vadodara - 390 007 • Valsad: Shop No. 2 , Phiroza Corner, Opp. Next
Show Room, Tithal Road, Valsad-396 001 • Vapi: Shop No. 12, Ground Floor, Sheetal Appatment, Near K.P. Tower, Vapi-396 195 • Varanasi: D-64/132, 1st Floor, Anant Complex, Sigra, Varanashi-221 010
• Vellore: No. 1, M. N. R. Arcade, Officers Line, Krishna Nagar, Vellore-632 001 • Vijayawada: 39-10-7, Opp. Municipal Water Tank, Labbipet, Vijayawada-520 010 • Visakhapatnam: Door No: 48-8-7,
Dwaraka Dimond, Gr. Floor, Srinagar, Visakhapatnam - 530 016 • Warangal: 5-6-95, 1st Floor, Opp. B.Ed Collage, Lashkar Bazar, Chandra Complex, Hanmakonda, Warangal-506 001.
Points of Service (“POS”) of MF UTILITIES INDIA PRIVATE LIMITED (“MFUI”) as Official Point of Acceptance:
The Online Transaction Portal of MF Utility is www.mfuonline.com and the list of POS of MFUI is published on the website of MFUI at www.mfuindia.com,
as updated from time to time.
Name, Address and Website of Registrar:
Karvy Computershare Pvt. Ltd. (Unit: Principal Mutual Fund),
Karvy Registry House, #8-2-596, Avenue 4, Street No. 1, Banjara hills, Hyderabad-500 034. Website: www.karvycomputershare.com
For any enquiries and / or queries, investors are advised to address a suitable communication to AMC at:

Factsheet - Citibank

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