Name: Principal Retirement Savings Fund Moderate Plan Direct Growth
Brand: Principal Mutual Fund

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Principal Retirement Savings Fund Moderate Plan Direct Growth
Solution Oriented
Retirement
Moderately High Risk
5Y Lock Inlock
4.96%
3Y annualised
+0.55% 1D
1M
6M
1Y
3Y
5Y
All
 NAV: 24 Dec 2020₹14.72
Min. SIP amountNA
Rating1star
Fund size₹0.73 Cr
Understand termsAnnualised returnsAverage of the yearly returns of a mutual fund over a given period.
Absolute returnsThe total return of a mutual fund over a given period.
Returns and rankingsCategory: Solution Oriented Retirement
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns11.6%5.0%7.8%8.0%
Category average28.7%10.3%9.1%NA
Rank with in category579NA
Understand termsinfo
Holdings (53)NameSectorInstrumentAssets
ITC Ltd.
FMCGEquity9.1%
Indian Oil Corpn. Ltd.
EnergyEquity6.6%
HDFC Bank Ltd.
FinancialEquity4.2%
Infosys Ltd.
TechnologyEquity3.3%
Reliance Industries Ltd.
EnergyEquity3.2%
ICICI Bank Ltd.
FinancialEquity2.4%
Housing Development Finance Corpn. Ltd.
FinancialEquity2.0%
Kotak Mahindra Bank Ltd.
FinancialEquity1.9%
Divi's Laboratories Ltd.
HealthcareEquity1.7%
Bajaj Finance Ltd.
FinancialEquity1.7%
See All
Understand termsExpense ratioA fee payable to a mutual fund house for managing your mutual fund investments. It is the total percentage of a company’s fund assets used for administrative, management, advertising, and other expenses.
TaxA percentage of your capital gains payable to the government upon exiting your mutual fund investments. Taxation is categorized as long-term capital gains (LTCG) and short-term capital gains (STCG) depending on your holding period and the type of fund.
Exit loadA fee payable to a mutual fund house for exiting a fund (fully or partially) before the completion of a specified period from the date of investment.
Stamp dutyA form of tax payable for the purchase or sale of an asset or security. 
Past expense ratio & exit load
Expense ratio
Exit load
31 Mar 2021 - Present
1.44%
30 Nov 2020 - 31 Mar 2021
1.29%
31 Oct 2020 - 30 Nov 2020
1.47%
30 Sep 2020 - 31 Oct 2020
1.55%
31 Aug 2020 - 30 Sep 2020
1.52%
31 Jul 2020 - 31 Aug 2020
1.54%
30 Jun 2020 - 31 Jul 2020
1.57%
31 May 2020 - 30 Jun 2020
1.59%
30 Apr 2020 - 31 May 2020
1.59%
31 Mar 2020 - 30 Apr 2020
1.99%
29 Feb 2020 - 31 Mar 2020
1.71%
31 Jan 2020 - 29 Feb 2020
1.50%
31 Dec 2019 - 31 Jan 2020
1.50%
30 Nov 2019 - 31 Dec 2019
1.50%
31 Oct 2019 - 30 Nov 2019
1.58%
30 Sep 2019 - 31 Oct 2019
1.62%
31 Aug 2019 - 30 Sep 2019
1.62%
31 Jul 2019 - 31 Aug 2019
1.69%
30 Jun 2019 - 31 Jul 2019
1.69%
31 May 2019 - 30 Jun 2019
1.69%
30 Apr 2019 - 31 May 2019
1.71%
31 Mar 2019 - 30 Apr 2019
1.29%
28 Feb 2019 - 31 Mar 2019
1.36%
31 Jan 2019 - 28 Feb 2019
1.34%
31 Dec 2018 - 31 Jan 2019
1.35%
30 Nov 2018 - 31 Dec 2018
1.25%
31 Oct 2018 - 30 Nov 2018
1.25%
30 Sep 2018 - 31 Oct 2018
0.47%
31 Aug 2018 - 30 Sep 2018
0.42%
31 Jul 2018 - 31 Aug 2018
0.40%
30 Jun 2018 - 31 Jul 2018
0.40%
31 May 2018 - 30 Jun 2018
0.48%
30 Apr 2018 - 31 May 2018
0.48%
31 Mar 2018 - 30 Apr 2018
0.60%
28 Feb 2018 - 31 Mar 2018
0.60%
31 Jan 2018 - 28 Feb 2018
0.38%
31 Dec 2017 - 31 Jan 2018
0.12%
30 Nov 2017 - 31 Dec 2017
0.12%
31 Oct 2017 - 30 Nov 2017
0.12%
Expense ratio, exit load and taxExpense ratio: 1.44%Inclusive of GST
Exit loadNil
Stamp duty0.005% (from July 1st, 2020)
Tax implicationReturns are taxed as per your Income Tax slab, if sold before 3 years. Negligible Tax (20% with indexation benefit) post 3 years.
Understand termsinfo
Check past data
Minimum investment amountsMin. for 1st investmentNA
Min. for 2nd investment onwardsNA
Min. for SIPNA
Fund managementP V K Mohan
Jun 2018 - Present
View details
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Education
Mr. Mohan is a B.E (Electrical) and MBA from IIM Bangalore.
Experience
Prior to joining Principal AMC he has worked with UTI AMC.
Also manages these schemes
Principal Tax Savings Fund
Principal Multi Cap Growth Fund IDCW Half Yearly
Principal Multi Cap Growth Fund Growth
Principal Hybrid Equity Fund Growth
Principal Hybrid Equity Fund IDCW Monthly
Principal Equity Savings Fund Growth
Principal Equity Savings Fund IDCW Half Yearly
Principal Equity Savings Fund IDCW Quarterly
Principal Personal Tax Saver Fund
Principal Balanced Advantage Fund Growth
Principal Balanced Advantage Fund IDCW Monthly
Principal Multi Cap Growth Fund Direct IDCW Half Yearly
Principal Multi Cap Growth Fund Direct Growth
Principal Equity Savings Fund Direct IDCW Half Yearly
Principal Equity Savings Fund Direct IDCW Quarterly
Principal Equity Savings Fund Direct Growth
Principal Balanced Advantage Fund Direct Growth
Principal Balanced Advantage Fund Direct IDCW Monthly
Principal Hybrid Equity Fund Direct Growth
Principal Hybrid Equity Fund Direct IDCW Monthly
Principal Personal Tax Saver Fund Direct
Principal Tax Savings Fund Direct
Principal Retirement Savings Fund Progressive Plan Direct Growth
Principal Retirement Savings Fund Progressive Plan Regular Growth
Principal Retirement Savings Fund Conservative Plan Direct Growth
Principal Retirement Savings Fund Conservative Plan Regular Growth
Principal Retirement Savings Fund Moderate Plan Direct Growth
Principal Retirement Savings Fund Moderate Plan Regular Growth
Principal Tax Savings Direct IDCW Half Yearly
Principal Tax Savings Regular IDCW Half Yearly
Ravi Gopalakrishnan
Jul 2019 - Present
View details
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Education
Mr. Gopalakrishnan is an MBA from Bradley University, USA and Masters in Finance (Investments) from Drexel University, USA.
Experience
Prior to joining Principal Mutual Fund, he has worked with Canara Robeco AMC, PGIM India Mutual Fund, Hudson Fairfax Group,USA, and Sun F & C Asset Management Ltd.
Also manages these schemes
Principal Tax Savings Fund
Principal Multi Cap Growth Fund IDCW Half Yearly
Principal Multi Cap Growth Fund Growth
Principal Hybrid Equity Fund Growth
Principal Hybrid Equity Fund IDCW Monthly
Principal Equity Savings Fund Growth
Principal Equity Savings Fund IDCW Half Yearly
Principal Equity Savings Fund IDCW Quarterly
Principal Personal Tax Saver Fund
Principal Dividend Yield Fund Growth
Principal Dividend Yield Fund IDCW Half Yearly
Principal Focused Multicap IDCW Half Yearly
Principal Focused Multicap Growth
Principal Emerging Bluechip Fund Growth
Principal Emerging Bluechip Fund IDCW Half Yearly
Principal Balanced Advantage Fund Growth
Principal Balanced Advantage Fund IDCW Monthly
Principal Dividend Yield Fund Direct IDCW Half Yearly
Principal Dividend Yield Fund Direct Growth
Principal Emerging Bluechip Fund Direct IDCW Half Yearly
Principal Emerging Bluechip Fund Direct Growth
Principal Multi Cap Growth Fund Direct IDCW Half Yearly
Principal Multi Cap Growth Fund Direct Growth
Principal Focused Multicap Fund Direct Growth
Principal Focused Multicap Fund Direct IDCW Half Yearly
Principal Equity Savings Fund Direct IDCW Half Yearly
Principal Equity Savings Fund Direct IDCW Quarterly
Principal Equity Savings Fund Direct Growth
Principal Balanced Advantage Fund Direct Growth
Principal Balanced Advantage Fund Direct IDCW Monthly
Principal Hybrid Equity Fund Direct Growth
Principal Hybrid Equity Fund Direct IDCW Monthly
Principal Personal Tax Saver Fund Direct
Principal Tax Savings Fund Direct
Principal Retirement Savings Fund Progressive Plan Direct Growth
Principal Retirement Savings Fund Progressive Plan Regular Growth
Principal Retirement Savings Fund Conservative Plan Direct Growth
Principal Retirement Savings Fund Conservative Plan Regular Growth
Principal Retirement Savings Fund Moderate Plan Direct Growth
Principal Retirement Savings Fund Moderate Plan Regular Growth
Principal Tax Savings Direct IDCW Half Yearly
Principal Tax Savings Regular IDCW Half Yearly
Principal Small Cap Fund Regular Growth
Principal Small Cap Fund Direct Growth
Principal Small Cap Fund Direct IDCW
Principal Midcap Fund Direct Growth
Principal Midcap Fund Regular Growth
Principal Midcap Fund Regular IDCW
Fund house & investment objective
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Principal Mutual Fund
Rank (total assets)#24 in India
Total AUM7,817.63 Cr
Date of Incorporation25 Nov 1994
Principal Retirement Savings Fund Moderate Plan Direct Growth is a Solution Oriented Mutual Fund Scheme launched by Principal Mutual Fund. This scheme
Principal Retirement Savings Fund Moderate Plan Direct Growth is a Solution Oriented Mutual Fund Scheme launched by Principal Mutual Fund. This scheme was made available to investors on 25 Nov 1994. Rajat Jain is the Current Fund Manager of Principal Retirement Savings Fund Moderate Plan Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹7,818 Cr and the Latest NAV as of 24 Dec 2020 is ₹14.72.
The Principal Retirement Savings Fund Moderate Plan Direct Growth is rated Moderately High risk. Minimum SIP Investment is set to 2000. ...Read more
Investment Objective
The scheme seeks to provide capital appreciation and income generation to enable investors save over the long term towards their retirement savings go
The scheme seeks to provide capital appreciation and income generation to enable investors save over the long term towards their retirement savings goals, by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities.
...Read more
Fund benchmarkCRISIL Hybrid 35+65 Aggressive Index
descriptionScheme Information Document(SID)
Fund house contact details
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Address
Exchange Plaza, Ground Floor, B Wing, NSE Building, Bandra Kurla Complex, Bandra(East) Mumbai 400051
Phone
022-67720555
Launch Date
25 Nov 1994
E-mail
[email protected]
Website
NA
Principal Mutual Fund
Asset Management Company
Custodian
NA
Registrar & Transfer Agent
KFin Tech
Address
Karvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,
Email
[email protected]
Website
www.karvymfs.com
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No.11, 2nd floor, 80 FT Road
4th Block, S.T Bed, Koramangala
Bengaluru – 560034
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	1Y	3Y	5Y	All
Fund returns	11.6%	5.0%	7.8%	8.0%
Category average	28.7%	10.3%	9.1%	NA
Rank with in category	5	7	9	NA

Name	Sector	Instrument	Assets
ITC Ltd.	FMCG	Equity	9.1%
Indian Oil Corpn. Ltd.	Energy	Equity	6.6%
HDFC Bank Ltd.	Financial	Equity	4.2%
Infosys Ltd.	Technology	Equity	3.3%
Reliance Industries Ltd.	Energy	Equity	3.2%
ICICI Bank Ltd.	Financial	Equity	2.4%
Housing Development Finance Corpn. Ltd.	Financial	Equity	2.0%
Kotak Mahindra Bank Ltd.	Financial	Equity	1.9%
Divi's Laboratories Ltd.	Healthcare	Equity	1.7%
Bajaj Finance Ltd.	Financial	Equity	1.7%

Rating	1
Fund size	₹0.73 Cr

Rank (total assets)	#24 in India
Total AUM	7,817.63 Cr