How to Invest in Principal Personal Tax Saver Fund Direct?

You can easily invest in Principal Personal Tax Saver Fund Direct in a hassle-free manner on Groww. The process is extremely simple, quick and completely paperless. Invest in a few minutes with the following steps: Log on to your Groww account Search for Principal Personal Tax Saver Fund Direct from the search box In order to invest, you will have to complete all the KYC formalities which are completely online and paperless and take a few minutes to complete Once you are done with that, you can start investing in Principal Personal Tax Saver Fund Direct as SIP or lumpsum as per your investment objective and risk tolerance

What kind of returns does Principal Personal Tax Saver Fund Direct provide?

The Principal Personal Tax Saver Fund Direct has been there from 02 Jan 2013 and the average annual returns provided by this fund is 32.07% since its inception.

How much expense ratio is charged by Principal Personal Tax Saver Fund Direct?

The term Expense Ratio used for Principal Personal Tax Saver Fund Direct or any other mutual fund is the annual charges one needs to pay to the Mutual Fund company for managing your investments in that fund. The Expense Ratio of Principal Personal Tax Saver Fund Direct is 2.13% as of 20 Jul 2025...

What is the AUM of Principal Personal Tax Saver Fund Direct?

The AUM, short for Assets Under Management of Principal Personal Tax Saver Fund Direct is ₹332.68Cr as of 20 Jul 2025.

How to Redeem Principal Personal Tax Saver Fund Direct?

If you want to sell your Principal Personal Tax Saver Fund Direct holdings, go to your holding on the app or web and simply click on it. You will get two options - redeem & invest more; click on redeem and enter your desired amount or if you wish to redeem the entire holding amount then select the 'redeem all' checkbox.

Can I invest in SIP and Lump Sum of Principal Personal Tax Saver Fund Direct?

You can select either SIP or Lumpsum investment of Principal Personal Tax Saver Fund Direct based on your investment objective and risk tolerance.

What is the NAV of Principal Personal Tax Saver Fund Direct?

The NAV of Principal Personal Tax Saver Fund Direct is ₹313.38 as of 27 Dec 2021.

What is the PE and PB ratio of Principal Personal Tax Saver Fund Direct?

The PE ratio ratio of Principal Personal Tax Saver Fund Direct is determined by dividing the market price by its earnings per share and the PB ratio of the same is evaluated by dividing the stock price per share by its book value per share (BVPS).

Principal Personal Tax Saver Fund Direct - NAV, Mutual Fund Performance & Portfolio

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Principal Personal Tax Saver Fund Direct
Equity
ELSS
Very High Risk
3Y Lock In
17.19%
3Y annualised
+0.35% 1D
1M
6M
1Y
3Y
5Y
All
  NAV: 27 Dec 2021₹313.38
Min. SIP amountNot Supported
RatingNA
Fund size₹332.68Cr
Return calculator
Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of ₹0
Would have become ₹ (%)
Holdings (68)NameSectorInstrumentAssets
ICICI Bank Ltd.
FinancialEquity8.12%
Infosys Ltd.
TechnologyEquity6.83%
HDFC Bank Ltd.
FinancialEquity5.49%
Polycab India Ltd.
EngineeringEquity4.14%
Reliance Industries Ltd - Partly Paid Equity
EnergyPPE3.61%
State Bank of India
FinancialEquity3.09%
Ashok Leyland Ltd.
AutomobileEquity2.93%
Tata Consultancy Services Ltd.
TechnologyEquity2.76%
Axis Bank Ltd.
FinancialEquity2.73%
Maruti Suzuki India Ltd.
AutomobileEquity2.46%
Kotak Mahindra Bank Ltd.
FinancialEquity2.24%
Bharti Airtel Ltd. Partly Paid Equity
CommunicationPPE2.10%
Tata Motors Ltd.
AutomobileEquity2.02%
Housing Development Finance Corpn. Ltd.
FinancialEquity2.01%
BEML Ltd
EngineeringEquity1.99%
Zee Entertainment Enterprises Ltd.
ServicesEquity1.79%
Bank Of Baroda
FinancialEquity1.78%
Hindustan Unilever Ltd.
FMCGEquity1.61%
The Federal Bank Ltd.
FinancialEquity1.53%
Sun Pharmaceutical Industries Ltd.
HealthcareEquity1.53%
Tata Steel Ltd.
MetalsEquity1.50%
Coforge Ltd.
TechnologyEquity1.47%
Larsen & Toubro Ltd.
ConstructionEquity1.42%
ITC Ltd.
FMCGEquity1.36%
Schaeffler India Ltd.
EngineeringEquity1.36%
ABB India Ltd.
EngineeringEquity1.29%
VIP Industries Ltd.
ChemicalsEquity1.27%
Canara Bank
FinancialEquity1.23%
Indian Bank
FinancialEquity1.16%
Sona BLW Precision Forgings Ltd.
AutomobileEquity1.15%
Navin Fluorine International Ltd.
ChemicalsEquity1.15%
MindTree Ltd.
TechnologyEquity1.14%
Cholamandalam Investment & Finance Company Ltd.
FinancialEquity1.10%
Bharti Airtel Ltd.
CommunicationEquity1.09%
Wipro Ltd.
TechnologyEquity1.07%
Crompton Greaves Consumer Electricals Ltd.
Consumer DurableEquity1.06%
Subros Ltd.
AutomobileEquity1.05%
ICRA Ltd.
ServicesEquity1.03%
Dr. Reddy's Laboratories Ltd.
HealthcareEquity0.99%
Astral Ltd.
ChemicalsEquity0.98%
ICICI Lombard General Insurance Company Ltd.
InsuranceEquity0.97%
Ipca Laboratories Ltd.
HealthcareEquity0.95%
PVR Ltd.
ServicesEquity0.94%
SBI Life Insurance Company Ltd.
FinancialEquity0.86%
Ultratech Cement Ltd.
ConstructionEquity0.85%
Divi's Laboratories Ltd.
HealthcareEquity0.79%
Multi Commodity Exchange Of India Ltd.
ServicesEquity0.79%
Computer Age Management Services Ltd.
FinancialEquity0.76%
Max Financial Services Ltd.
FinancialEquity0.75%
Bharat Petroleum Corporation Ltd.
EnergyEquity0.74%
Force Motors Ltd.
AutomobileEquity0.70%
UTI Asset Management Company Ltd.
FinancialEquity0.66%
Bharat Forge Ltd.
AutomobileEquity0.63%
Zomato Ltd.
ServicesEquity0.62%
Minda Industries Ltd.
AutomobileEquity0.59%
Cipla Ltd.
HealthcareEquity0.59%
Indusind Bank Ltd.
FinancialEquity0.47%
PI Industries Ltd.
ChemicalsEquity0.42%
SBI Cards & Payments Services Ltd.
FinancialEquity0.34%
Aurobindo Pharma Ltd.
HealthcareEquity0.34%
FSN E-Commerce Ventures Ltd.
ServicesEquity0.33%
Britannia Industries Ltd.
FMCGEquity0.26%
PB Fintech Ltd.
ServicesEquity0.24%
Reserve Bank of India
FinancialT-Bills0.02%
Britannia Industries Ltd.
FMCGNCD0.01%
Virtual Dynamics Software Ltd.
TechnologyEquity0.00%
Punjab Wireless Systems Ltd.
CommunicationEquity0.00%
Apollo Tyres Ltd.
AutomobileEquity0.00%
See All
Minimum investment amountsMin. for 1st investmentNot Supported
Min. for 2nd investment onwardsNot Supported
Min. for SIPNot Supported
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: Equity ELSS
Annualised returns
Absolute returns
1Y3Y5YAll
Fund returns32.1%17.2%15.0%13.2%
Category average0.8%20.0%22.1%NA
Rank with in categoryNANANANA
Understand terms
Peer ComparisonEquity, ELSS fundsRating1Y3YFund Size(Cr)
SBI ELSS Tax Saver Fund Direct Growth
5
2.5%28.3%30,616.22
HDFC ELSS Tax Saver Fund Direct Plan Growth
5
4.8%25.3%16,908.00
Parag Parikh ELSS Tax Saver Fund Direct Growth
5
7.7%22.6%5,557.37
Quantum ELSS Tax Saver Fund Direct Growth
4
2.0%21.0%225.38
Bandhan ELSS Tax Saver Fund Direct Plan Growth
4
-0.1%19.6%7,151.15
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
30 Nov 2021 - Present
2.13%
31 Oct 2021 - 30 Nov 2021
2.12%
30 Sep 2021 - 31 Oct 2021
2.12%
31 Aug 2021 - 30 Sep 2021
2.12%
31 Jul 2021 - 31 Aug 2021
2.14%
30 Jun 2021 - 31 Jul 2021
2.14%
31 May 2021 - 30 Jun 2021
2.13%
30 Apr 2021 - 31 May 2021
2.13%
31 Mar 2021 - 30 Apr 2021
2.13%
28 Feb 2021 - 31 Mar 2021
2.14%
31 Jan 2021 - 28 Feb 2021
2.13%
31 Dec 2020 - 31 Jan 2021
2.13%
30 Nov 2020 - 31 Dec 2020
2.13%
31 Oct 2020 - 30 Nov 2020
2.13%
30 Sep 2020 - 31 Oct 2020
2.13%
31 Aug 2020 - 30 Sep 2020
2.13%
31 Jul 2020 - 31 Aug 2020
2.13%
30 Jun 2020 - 31 Jul 2020
2.13%
31 May 2020 - 30 Jun 2020
2.13%
30 Apr 2020 - 31 May 2020
2.13%
31 Mar 2020 - 30 Apr 2020
2.11%
29 Feb 2020 - 31 Mar 2020
2.13%
31 Jan 2020 - 29 Feb 2020
2.17%
31 Dec 2019 - 31 Jan 2020
2.17%
30 Nov 2019 - 31 Dec 2019
2.16%
31 Oct 2019 - 30 Nov 2019
2.14%
30 Sep 2019 - 31 Oct 2019
2.12%
31 Aug 2019 - 30 Sep 2019
2.12%
31 Jul 2019 - 31 Aug 2019
2.11%
30 Jun 2019 - 31 Jul 2019
2.11%
31 May 2019 - 30 Jun 2019
2.11%
30 Apr 2019 - 31 May 2019
2.12%
31 Mar 2019 - 30 Apr 2019
2.19%
28 Feb 2019 - 31 Mar 2019
2.43%
31 Jan 2019 - 28 Feb 2019
2.43%
31 Dec 2018 - 31 Jan 2019
2.31%
30 Nov 2018 - 31 Dec 2018
2.11%
31 Oct 2018 - 30 Nov 2018
2.12%
30 Sep 2018 - 31 Oct 2018
2.10%
31 Aug 2018 - 30 Sep 2018
2.10%
31 Jul 2018 - 31 Aug 2018
2.10%
30 Jun 2018 - 31 Jul 2018
2.10%
31 May 2018 - 30 Jun 2018
1.84%
30 Apr 2018 - 31 May 2018
1.84%
31 Mar 2018 - 30 Apr 2018
1.84%
28 Feb 2018 - 31 Mar 2018
1.85%
31 Jan 2018 - 28 Feb 2018
2.00%
31 Dec 2017 - 31 Jan 2018
1.95%
30 Nov 2017 - 31 Dec 2017
1.95%
31 Oct 2017 - 30 Nov 2017
1.96%
Expense ratio, exit load and taxExpense ratio: 2.13%Inclusive of GST
Exit loadNil
Stamp duty0.005% (from July 1st, 2020)
Tax implicationReturns 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.
Understand terms
Check past data
Fund managementSudhir Kedia
Oct 2019 - Present
View details
Education
Mr. Kedia is CA, CMA and MBA.
Experience
Prior to joining Sundaram Mutual Fund, he has worked with Principal Mutual Fund, Mirae Asset Mutual Fund and ASK investment.
Also manages these schemes
Principal Personal Tax Saver Fund Direct
Sundaram Long Term Tax Advantage Fund Series I Direct Growth
Sundaram Long Term Tax Advantage Fund Series II Direct Growth
Sundaram Select Micro Cap Series XIV Direct Growth
Sundaram Select Micro Cap Series XV Direct Growth
Sundaram Select Micro Cap Series XVI Direct Growth
Sundaram Select Micro Cap Series XVII Direct Growth
Sundaram Emerging Small Cap Series 1 Direct Growth
Sundaram Emerging Small Cap Series II Direct Growth
Sundaram Emerging Small Cap Series III Direct Growth
Sundaram Emerging Small Cap Series IV Direct Growth
Sundaram Multi Cap Fund Series I Direct Growth
Sundaram Multi Cap Fund Series II Direct Growth
Sundaram Emerging Small Cap Series V Direct Growth
Sundaram Emerging Small Cap Series VI Direct Growth
Sundaram Emerging Small Cap Series VII Direct Growth
Principal Midcap Fund Direct Growth
Principal Large Cap Fund Direct Growth
Sundaram Flexi Cap Fund Direct Growth
Fund house & investment objective
Sundaram Mutual Fund
Rank (total assets)#17 in India
Total AUM₹71,486.25Cr
Date of Incorporation26 Feb 1996
    Principal Personal Tax Saver Fund Direct is a Equity Mutual Fund Scheme launched by Sundaram Mutual Fund.     This scheme was made available to investors on 26 Feb 1996.     P V K Mohan is the Current Fund Manager of Principal Personal Tax Saver Fund Direct fund.     The fund currently has an Asset Under Management(AUM) of ₹71,486 Cr and     the Latest NAV as of 27 Dec 2021 is ₹313.38.  

    The Principal Personal Tax Saver Fund Direct is rated Very High risk.     Minimum SIP Investment is set to ₹500.          
  ;
Investment ObjectiveThe scheme is due for redemption in 2006. The scheme seeks capital appreciation with at least 80 per cent exposure to equities, FCDs, preference shares and bonds of companies. The scheme can make investments in money market instruments up to 20 per cent. The scheme offers liquidity through repurchase at NAV. 
 
;
Fund benchmarkNIFTY 500 Total Return Index
Scheme Information Document(SID)
Fund house contact details
Address
Sundaram Towers No. 46,,1st& 2nd Floor, Whites Road,Royapettah Chennai 600014
Phone
1860-425-7237
Launch Date
26 Feb 1996
E-mail
NA
Website
www.sundarammutual.com
Sundaram 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
Compare funds
Principal Personal Tax Saver Fund Direct
VS
Add mutual fund to compare

Name	Sector	Instrument	Assets
ICICI Bank Ltd.	Financial	Equity	8.12%
Infosys Ltd.	Technology	Equity	6.83%
HDFC Bank Ltd.	Financial	Equity	5.49%
Polycab India Ltd.	Engineering	Equity	4.14%
Reliance Industries Ltd - Partly Paid Equity	Energy	PPE	3.61%
State Bank of India	Financial	Equity	3.09%
Ashok Leyland Ltd.	Automobile	Equity	2.93%
Tata Consultancy Services Ltd.	Technology	Equity	2.76%
Axis Bank Ltd.	Financial	Equity	2.73%
Maruti Suzuki India Ltd.	Automobile	Equity	2.46%
Kotak Mahindra Bank Ltd.	Financial	Equity	2.24%
Bharti Airtel Ltd. Partly Paid Equity	Communication	PPE	2.10%
Tata Motors Ltd.	Automobile	Equity	2.02%
Housing Development Finance Corpn. Ltd.	Financial	Equity	2.01%
BEML Ltd	Engineering	Equity	1.99%
Zee Entertainment Enterprises Ltd.	Services	Equity	1.79%
Bank Of Baroda	Financial	Equity	1.78%
Hindustan Unilever Ltd.	FMCG	Equity	1.61%
The Federal Bank Ltd.	Financial	Equity	1.53%
Sun Pharmaceutical Industries Ltd.	Healthcare	Equity	1.53%
Tata Steel Ltd.	Metals	Equity	1.50%
Coforge Ltd.	Technology	Equity	1.47%
Larsen & Toubro Ltd.	Construction	Equity	1.42%
ITC Ltd.	FMCG	Equity	1.36%
Schaeffler India Ltd.	Engineering	Equity	1.36%
ABB India Ltd.	Engineering	Equity	1.29%
VIP Industries Ltd.	Chemicals	Equity	1.27%
Canara Bank	Financial	Equity	1.23%
Indian Bank	Financial	Equity	1.16%
Sona BLW Precision Forgings Ltd.	Automobile	Equity	1.15%
Navin Fluorine International Ltd.	Chemicals	Equity	1.15%
MindTree Ltd.	Technology	Equity	1.14%
Cholamandalam Investment & Finance Company Ltd.	Financial	Equity	1.10%
Bharti Airtel Ltd.	Communication	Equity	1.09%
Wipro Ltd.	Technology	Equity	1.07%
Crompton Greaves Consumer Electricals Ltd.	Consumer Durable	Equity	1.06%
Subros Ltd.	Automobile	Equity	1.05%
ICRA Ltd.	Services	Equity	1.03%
Dr. Reddy's Laboratories Ltd.	Healthcare	Equity	0.99%
Astral Ltd.	Chemicals	Equity	0.98%
ICICI Lombard General Insurance Company Ltd.	Insurance	Equity	0.97%
Ipca Laboratories Ltd.	Healthcare	Equity	0.95%
PVR Ltd.	Services	Equity	0.94%
SBI Life Insurance Company Ltd.	Financial	Equity	0.86%
Ultratech Cement Ltd.	Construction	Equity	0.85%
Divi's Laboratories Ltd.	Healthcare	Equity	0.79%
Multi Commodity Exchange Of India Ltd.	Services	Equity	0.79%
Computer Age Management Services Ltd.	Financial	Equity	0.76%
Max Financial Services Ltd.	Financial	Equity	0.75%
Bharat Petroleum Corporation Ltd.	Energy	Equity	0.74%
Force Motors Ltd.	Automobile	Equity	0.70%
UTI Asset Management Company Ltd.	Financial	Equity	0.66%
Bharat Forge Ltd.	Automobile	Equity	0.63%
Zomato Ltd.	Services	Equity	0.62%
Minda Industries Ltd.	Automobile	Equity	0.59%
Cipla Ltd.	Healthcare	Equity	0.59%
Indusind Bank Ltd.	Financial	Equity	0.47%
PI Industries Ltd.	Chemicals	Equity	0.42%
SBI Cards & Payments Services Ltd.	Financial	Equity	0.34%
Aurobindo Pharma Ltd.	Healthcare	Equity	0.34%
FSN E-Commerce Ventures Ltd.	Services	Equity	0.33%
Britannia Industries Ltd.	FMCG	Equity	0.26%
PB Fintech Ltd.	Services	Equity	0.24%
Reserve Bank of India	Financial	T-Bills	0.02%
Britannia Industries Ltd.	FMCG	NCD	0.01%
Virtual Dynamics Software Ltd.	Technology	Equity	0.00%
Punjab Wireless Systems Ltd.	Communication	Equity	0.00%
Apollo Tyres Ltd.	Automobile	Equity	0.00%

	1Y	3Y	5Y	All
Fund returns	32.1%	17.2%	15.0%	13.2%
Category average	0.8%	20.0%	22.1%	NA
Rank with in category	NA	NA	NA	NA

Equity, ELSS funds	Rating	1Y	3Y	Fund Size(Cr)
SBI ELSS Tax Saver Fund Direct Growth	5	2.5%	28.3%	30,616.22
HDFC ELSS Tax Saver Fund Direct Plan Growth	5	4.8%	25.3%	16,908.00
Parag Parikh ELSS Tax Saver Fund Direct Growth	5	7.7%	22.6%	5,557.37
Quantum ELSS Tax Saver Fund Direct Growth	4	2.0%	21.0%	225.38
Bandhan ELSS Tax Saver Fund Direct Plan Growth	4	-0.1%	19.6%	7,151.15