Should I invest in Principal Income Fund?

We don't give personal investment advice. Principal Income Fund-Dividend Plan-Annual is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 12.3%. 5-year CAGR: -0.50%.

PRINCIPAL

Principal Income Fund-Dividend Plan-Annual

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.05%	-9.99%	+9.94	762 / 1129	Q3
1W	+0.88%	-13.04%	+13.91	51 / 1151	Q1
2W	+0.43%	-13.18%	+13.61	94 / 1149	Q1
1M	-0.24%	-13.26%	+13.02	458 / 1137	Q2
3M	+5.55%	-13.15%	+18.70	11 / 1116	Q1
6M	+3.99%	-15.45%	+19.45	182 / 906	Q1
YTD	+6.88%	-15.77%	+22.65	77 / 952	Q1
1Y	+6.67%	-13.09%	+19.76	272 / 820	Q2
2Y	+3.44%	-12.72%	+16.16	167 / 446	Q2
3Y	+0.01%	-11.01%	+11.01	249 / 385	Q3
4Y	-0.45%	-6.52%	+6.06	270 / 339	Q4
5Y	-0.50%	-7.36%	+6.86	257 / 314	Q4
7Y	+0.25%	+2.53%	-2.28	167 / 234	Q3
10Y	+0.61%	+3.14%	-2.53	71 / 101	Q3
Inception	+1.00%	-13.63%	+14.63	406 / 1199	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2020 YTD	+6.88%	+5.20%	+1.68	13 / 45
2019	-3.21%	-4.85%	+1.64	28 / 56
2018	+4.62%	+1.30%	+3.32	12 / 90
2017	-4.16%	+1.63%	-5.78	131 / 137
2016	+1.93%	+3.02%	-1.09	82 / 181
2015	-4.25%	+2.22%	-6.47	211 / 216
2014	+4.48%	+5.51%	-1.03	132 / 240
2013	-2.41%	-1.95%	-0.45	238 / 276
2012	+1.54%	+1.38%	+0.16	169 / 295
2011	+2.42%	-3.16%	+5.58	109 / 317
2010	+0.53%	-5.78%	+6.31	203 / 377

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+0.73%

164 windows

min -9.7% · max 9.7%

60% positive

3-Year rolling

+0.63%

140 windows

min -3.2% · max 3.2%

72% positive

5-Year rolling

+0.66%

115 windows

min -2.1% · max 2.8%

70% positive

7-Year rolling

+0.66%

91 windows

min -1.1% · max 2.2%

76% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

7.32%

3-year · annualised

Sharpe ratio

-0.85

vs risk-free 6.5%

Sortino ratio

-1.00

Downside-only deviation

Max drawdown

-9.24%

Sep 2017 → Jun 2019

% positive months

55.6%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
4 Sep 2020	₹12.1380
3 Sep 2020	₹12.1442
2 Sep 2020	₹12.1359
1 Sep 2020	₹12.1347
31 Aug 2020	₹12.0547
28 Aug 2020	₹12.0327
27 Aug 2020	₹12.0327
26 Aug 2020	₹12.0453
25 Aug 2020	₹12.0649
24 Aug 2020	₹12.0565

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

Principal Income Fund-Dividend Plan-Annual is a Income from PRINCIPAL (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

Principal Income Fund-Dividend Plan-Annual has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Principal Income Fund-Dividend Plan-Annual is managed by PRINCIPAL. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Principal Income Fund-Dividend Plan-Annual has delivered a absolute return of 6.67% — +19.76 pp ahead of the Income category average of -13.09%. The fund ranks #272 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Principal Income Fund-Dividend Plan-Annual has delivered a CAGR of 0.01% — +11.01 pp ahead of the Income category average of -11.01%. The fund ranks #249 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Principal Income Fund-Dividend Plan-Annual has delivered a CAGR of -0.50% — +6.86 pp ahead of the Income category average of -7.36%. The fund ranks #257 of 314 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Principal Income Fund-Dividend Plan-Annual exactly 10 years ago would be worth approximately ₹106,297 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.61%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in Principal Income Fund-Dividend Plan-Annual over the last 5 years — total invested ₹600,000 — would be worth ₹630,086 today. That's an XIRR (money-weighted annualised return) of 1.93%.

A ₹10,000 monthly SIP for 10 years in Principal Income Fund-Dividend Plan-Annual = ₹1,200,000 invested. It would currently be worth ₹1,254,154 (multiplier 1.05×). XIRR: 0.87%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Principal Income Fund-Dividend Plan-Annual ranks #257 out of 314 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -7.36%; this fund delivered -0.50%.

The worst peak-to-trough decline Principal Income Fund-Dividend Plan-Annual has experienced over the last 5-year window is 12.28% — its NAV fell from a high on 21 Sep 2015 to a low on 10 Jun 2019. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Principal Income Fund-Dividend Plan-Annual averaged 0.66% (best 2.80%, worst -2.09%). 70% of rolling windows ended positive. The 5-year Sharpe ratio is -0.82 — negative risk-adjusted performance.

In calendar year 2019, Principal Income Fund-Dividend Plan-Annual returned -3.21% — beating the Income category average of -4.85% by 1.64 pp. It ranked #28 of 56 in its category that year.

Principal Income Fund-Dividend Plan-Annual is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Principal Income Fund-Dividend Plan-Annual is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 12.3%. 5-year CAGR: -0.50%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.