Should I invest in Principal Monthly Income Plan - Plus?

We don't give personal investment advice. Principal Monthly Income Plan - Plus-Dividend - Quarterly 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: 5.8%. 5-year CAGR: 0.55%.

PRINCIPAL

Principal Monthly Income Plan - Plus-Dividend - Quarterly

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	+0.01%	-9.99%	+10.00	208 / 1129	Q1
1W	+0.56%	-13.04%	+13.60	72 / 1151	Q1
2W	+0.89%	-13.18%	+14.08	60 / 1149	Q1
1M	+1.13%	-13.26%	+14.39	72 / 1137	Q1
3M	+0.58%	-13.15%	+13.72	339 / 1116	Q2
6M	+0.77%	-15.45%	+16.22	407 / 906	Q2
YTD	+1.74%	-15.77%	+17.51	268 / 952	Q2
1Y	+3.05%	-13.09%	+16.13	366 / 820	Q2
2Y	+0.23%	-12.72%	+12.95	251 / 446	Q3
3Y	+0.32%	-11.01%	+11.33	214 / 385	Q3
4Y	+0.68%	-6.52%	+7.20	189 / 339	Q3
5Y	+0.55%	-7.36%	+7.91	176 / 314	Q3
7Y	+1.91%	+2.53%	-0.62	114 / 234	Q2
10Y	+0.06%	+3.14%	-3.08	87 / 101	Q4
Inception	+1.03%	-13.63%	+14.66	404 / 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
2019 YTD	+1.74%	-4.85%	+6.59	14 / 56
2018	+1.70%	+1.30%	+0.40	27 / 90
2017	-2.09%	+1.63%	-3.72	124 / 137
2016	+0.79%	+3.02%	-2.23	106 / 181
2015	+0.80%	+2.22%	-1.42	124 / 216
2014	+0.72%	+5.51%	-4.79	158 / 240
2013	+3.31%	-1.95%	+5.26	104 / 276
2012	+7.39%	+1.38%	+6.02	126 / 295
2011	-10.03%	-3.16%	-6.86	298 / 317
2010	-4.00%	-5.78%	+1.78	323 / 377
2009	+10.26%	-12.86%	+23.12	83 / 713

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

+1.36%

149 windows

min -13.6% · max 17.9%

64% positive

3-Year rolling

+0.90%

124 windows

min -4.1% · max 6.0%

70% positive

5-Year rolling

+0.64%

100 windows

min -2.5% · max 2.7%

72% positive

7-Year rolling

+0.80%

76 windows

min -0.7% · max 2.0%

82% 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

3.87%

3-year · annualised

Sharpe ratio

-1.58

vs risk-free 6.5%

Sortino ratio

-2.07

Downside-only deviation

Max drawdown

-5.80%

Nov 2016 → Feb 2018

% positive months

61.1%

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
29 May 2019	₹12.3531
28 May 2019	₹12.3516
27 May 2019	₹12.3471
24 May 2019	₹12.3182
23 May 2019	₹12.3078
22 May 2019	₹12.2841
21 May 2019	₹12.2802
20 May 2019	₹12.2804
17 May 2019	₹12.2610
16 May 2019	₹12.2481

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 Monthly Income Plan - Plus-Dividend - Quarterly 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 Monthly Income Plan - Plus-Dividend - Quarterly 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 Monthly Income Plan - Plus-Dividend - Quarterly 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 Monthly Income Plan - Plus-Dividend - Quarterly has delivered a absolute return of 3.05% — +16.13 pp ahead of the Income category average of -13.09%. The fund ranks #366 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Principal Monthly Income Plan - Plus-Dividend - Quarterly has delivered a CAGR of 0.32% — +11.33 pp ahead of the Income category average of -11.01%. The fund ranks #214 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Principal Monthly Income Plan - Plus-Dividend - Quarterly has delivered a CAGR of 0.55% — +7.91 pp ahead of the Income category average of -7.36%. The fund ranks #176 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in Principal Monthly Income Plan - Plus-Dividend - Quarterly exactly 10 years ago would be worth approximately ₹100,599 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.06%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in Principal Monthly Income Plan - Plus-Dividend - Quarterly over the last 5 years — total invested ₹600,000 — would be worth ₹613,655 today. That's an XIRR (money-weighted annualised return) of 0.89%.

A ₹10,000 monthly SIP for 10 years in Principal Monthly Income Plan - Plus-Dividend - Quarterly = ₹1,200,000 invested. It would currently be worth ₹1,253,358 (multiplier 1.04×). XIRR: 0.86%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Principal Monthly Income Plan - Plus-Dividend - Quarterly ranks #176 out of 314 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -7.36%; this fund delivered 0.55%.

The worst peak-to-trough decline Principal Monthly Income Plan - Plus-Dividend - Quarterly has experienced over the last 5-year window is 5.80% — its NAV fell from a high on 24 Nov 2016 to a low on 01 Feb 2018. 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 Monthly Income Plan - Plus-Dividend - Quarterly averaged 0.64% (best 2.73%, worst -2.48%). 72% of rolling windows ended positive. The 5-year Sharpe ratio is -1.63 — negative risk-adjusted performance.

In calendar year 2018, Principal Monthly Income Plan - Plus-Dividend - Quarterly returned 1.70% — beating the Income category average of 1.30% by 0.40 pp. It ranked #27 of 90 in its category that year.

Principal Monthly Income Plan - Plus-Dividend - Quarterly 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 Monthly Income Plan - Plus-Dividend - Quarterly 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: 5.8%. 5-year CAGR: 0.55%.

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