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Principal Retirement Savings Fund Moderate Plan Direct Growth
ELSS • 5Y Lock-in
Hybrid
Balanced Hybrid
Moderately High Risk
+4.96%
3Y annualised
+0.55% 1D
NAV: 24 Dec '20
₹14.72
Min. SIP amount
Not Supported
Fund size
₹0.73 Cr
Expense ratio
1.44%
Holdings (55)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| ITC Ltd. | FMCG | Equity | 9.12% |
| Indian Oil Corpn. Ltd. | Energy | Equity | 6.62% |
| HDFC Bank Ltd. | Financial | Equity | 4.20% |
| Infosys Ltd. | Technology | Equity | 3.25% |
| Reliance Industries Ltd. | Energy | Equity | 3.23% |
| ICICI Bank Ltd. | Financial | Equity | 2.44% |
| Housing Development Finance Corpn. Ltd. | Financial | Equity | 1.98% |
| Kotak Mahindra Bank Ltd. | Financial | Equity | 1.91% |
| Divi's Laboratories Ltd. | Healthcare | Equity | 1.73% |
| Bajaj Finance Ltd. | Financial | Equity | 1.69% |
| Tata Consultancy Services Ltd. | Technology | Equity | 1.62% |
| Larsen & Toubro Ltd. | Construction | Equity | 1.45% |
| Reserve Bank of India | Financial | T-Bills | 1.37% |
| Bharti Airtel Ltd. | Communication | Equity | 1.35% |
| Dixon Technologies (India) Ltd. | Engineering | Equity | 1.31% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 1.16% |
| Coromandel International Ltd. | Chemicals | Equity | 1.06% |
| Axis Bank Ltd. | Financial | Equity | 1.04% |
| Abbott India Ltd. | Healthcare | Equity | 0.85% |
| Balkrishna Industries Ltd. | Automobile | Equity | 0.80% |
| Max Financial Services Ltd. | Financial | Equity | 0.79% |
| Avenue Supermarts Ltd. | Services | Equity | 0.79% |
| Can Fin Homes Ltd. | Financial | Equity | 0.78% |
| State Bank of India | Financial | Equity | 0.77% |
| Orient Electric Ltd. | Engineering | Equity | 0.76% |
| JK Cement Ltd | Construction | Equity | 0.75% |
| Rossari Biotech Ltd. | Chemicals | Equity | 0.73% |
| Ultratech Cement Ltd. | Construction | Equity | 0.73% |
| TCI Express Ltd. | Services | Equity | 0.73% |
| SBI Life Insurance Company Ltd. | Financial | Equity | 0.72% |
| Relaxo Footwears Ltd. | FMCG | Equity | 0.70% |
| Astral Poly Technik Ltd. | Chemicals | Equity | 0.69% |
| Hindustan Unilever Ltd. | FMCG | Equity | 0.68% |
| Shree Cement Ltd. | Construction | Equity | 0.67% |
| Timken India Ltd. | Engineering | Equity | 0.66% |
| Syngene International Ltd. | Healthcare | Equity | 0.65% |
| PI Industries Ltd. | Chemicals | Equity | 0.64% |
| Ceat Ltd. | Automobile | Equity | 0.62% |
| Mahindra & Mahindra Ltd. | Automobile | Equity | 0.61% |
| Atul Ltd. | Chemicals | Equity | 0.61% |
| Bajaj Finserv Ltd. | Financial | Equity | 0.60% |
| Coforge Ltd. | Technology | Equity | 0.59% |
| Motherson Sumi Systems Ltd. | Automobile | Equity | 0.56% |
| SBI Cards & Payments Services Ltd. | Financial | Equity | 0.53% |
| Whirlpool Of India Ltd. | Cons Durable | Equity | 0.51% |
| Bayer CropScience Ltd. | Healthcare | Equity | 0.49% |
| Aarti Industries Ltd. | Chemicals | Equity | 0.48% |
| Computer Age Management Services Ltd. | Financial | Equity | 0.44% |
| Alkem Laboratories Ltd. | Healthcare | Equity | 0.43% |
| SRF Ltd. | Diversified | Equity | 0.42% |
| Dabur India Ltd. | FMCG | Equity | 0.41% |
| Kajaria Ceramics Ltd. | Construction | Equity | 0.37% |
| Natco Pharma Ltd. | Healthcare | Equity | 0.30% |
| Indian Oil Corpn. Ltd. | Energy | Futures | -6.65% |
| ITC Ltd. | FMCG | Futures | -8.56% |
See All
Minimum investments
Min. for 1st investment
Not Supported
Min. for 2nd investment
Not Supported
Min. for SIP
Not Supported
Returns and rankings
Annualised returns
Absolute returns
| Name | 1Y | 3Y | 5Y | All |
|---|---|---|---|---|
| Fund returns | +11.6% | +5.0% | +7.8% | +8.0% |
| Category average (Hybrid Balanced Hybrid) | +4.7% | +10.6% | +10.0% | -- |
| Rank (Hybrid Balanced Hybrid) | 5 | 7 | 9 | -- |
Exit load, stamp duty and tax
Exit load
Nil
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
Returns are taxed at 20%, if you redeem before one year. After 1 year, you are required to pay LTCG tax of 12.5% on returns of Rs 1.25 lakh+ in a financial year.
Check past data
About Principal Retirement Savings Fund Moderate Plan Direct Growth
Principal Retirement Savings Fund Moderate Plan Direct Growth is a Hybrid Mutual Fund Scheme launched by Sundaram Mutual Fund. This scheme was made available to investors on 26 Feb 1996. The fund currently has an Asset Under Management(AUM) of ₹76,137 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 ₹2,000.
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Investment Objective
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.
Fund benchmarkCRISIL Hybrid 35+65 Aggressive Index
Fund house
Rank (total assets)#17 in India
Total AUM₹76,136.70 Cr
Date of Incorporation26 Feb 1996
Launch Date26 Feb 1996
AddressSundaram Towers No. 46,,1st& 2nd Floor, Whites Road,Royapettah Chennai 600014
Websitewww.karvymfs.com
AddressKarvy House, No. 46, 8-2-609/K, Avenue 4, Street No.1 Banjara Hills,