Should I invest in Principal Pnb Fixed Duration Fund 3 Year Plan- Series I?

We don't give personal investment advice. Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option 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.

PRINCIPAL

Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option

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	+0.00%	-9.99%	+9.99	488 / 1129	Q2
1W	-0.58%	-13.04%	+12.46	519 / 1151	Q2
2W	-0.24%	-13.18%	+12.94	438 / 1149	Q2
1M	-0.34%	-13.26%	+12.92	474 / 1137	Q2
3M	+3.24%	-13.15%	+16.39	46 / 1116	Q1
6M	+5.53%	-15.45%	+20.99	72 / 906	Q1
YTD	+5.90%	-15.77%	+21.67	100 / 952	Q1
1Y	+3.99%	-13.09%	+17.07	346 / 820	Q2
2Y	+3.45%	-12.72%	+16.18	166 / 446	Q2
3Y	+6.20%	-11.01%	+17.21	94 / 385	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.22%	-13.63%	+19.85	302 / 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
2009 YTD	+5.90%	-12.86%	+18.75	177 / 713
2008	-8.98%	-2.02%	-6.96	327 / 380
2007	+15.68%	+4.84%	+10.85	10 / 142
2006	—	—	—	—

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

+4.67%

25 windows

min -9.0% · max 15.6%

68% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+6.20%

1 window

min 6.2% · max 6.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

6.25%

3-year · annualised

Sharpe ratio

-0.04

vs risk-free 6.5%

Sortino ratio

-0.07

Downside-only deviation

Max drawdown

-12.15%

Jan 2008 → Oct 2008

% positive months

66.7%

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
6 Jul 2009	₹12.0000
3 Jul 2009	₹12.0633
2 Jul 2009	₹12.0637
30 Jun 2009	₹12.0606
29 Jun 2009	₹12.0697
26 Jun 2009	₹12.0634
25 Jun 2009	₹12.0463
24 Jun 2009	₹12.0489
23 Jun 2009	₹12.0308
22 Jun 2009	₹12.0286

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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option 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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option has NAV history starting from 10 Jul 2006, a track record of about 19 years 11 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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option 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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option has delivered a absolute return of 3.99% — +17.07 pp ahead of the Income category average of -13.09%. The fund ranks #346 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option has delivered a CAGR of 6.20% — +17.21 pp ahead of the Income category average of -11.01%. The fund ranks #94 of 385 in its category — the top (Q1) quartile.

Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option exactly 3 years ago would be worth approximately ₹119,770 today — a multiplier of 1.20×, based on the 3-year CAGR of 6.20%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹384,036 today. That's an XIRR (money-weighted annualised return) of 4.24%.

Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹384,036 — XIRR 4.24%.

On a 3-year basis, Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option ranks #94 out of 385 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -11.01%; this fund delivered 6.20%.

The worst peak-to-trough decline Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option has experienced over the last 3-year window is 12.15% — its NAV fell from a high on 07 Jan 2008 to a low on 27 Oct 2008. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option averaged 6.20% (best 6.20%, worst 6.20%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.04 — negative risk-adjusted performance.

In calendar year 2008, Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option returned -8.98% — lagging the Income category average of -2.02% by 6.96 pp. It ranked #327 of 380 in its category that year.

Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option 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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Growth Option 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.

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