Should I invest in PGIM India Insta Cash Fund-Daily Dividend?

We don't give personal investment advice. PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend 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.

PGIM India

PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend

Latest NAV

₹10.0516

As of

28 Jul 2019

1,034 NAV records on file

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	+0.00%	+0.01%	-0.01	45 / 46	Q4
1W	+0.00%	+0.06%	-0.06	42 / 46	Q4
2W	+0.00%	+0.10%	-0.10	41 / 46	Q4
1M	+0.00%	+0.22%	-0.22	40 / 46	Q4
3M	+0.00%	+0.67%	-0.67	43 / 46	Q4
6M	+0.00%	+1.27%	-1.27	43 / 46	Q4
YTD	+0.00%	+1.06%	-1.06	40 / 46	Q4
1Y	+0.00%	+2.35%	-2.35	44 / 46	Q4
2Y	+0.00%	+2.56%	-2.56	43 / 46	Q4
3Y	+0.00%	+2.62%	-2.62	43 / 46	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.00%	+2.49%	-2.49	39 / 42	Q4

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	+0.00%	+2.29%	-2.29	31 / 45
2018	+0.00%	+2.61%	-2.61	43 / 45
2017	+0.00%	+2.33%	-2.33	40 / 45
2016	—	—	—	—

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

+0.00%

30 windows

min -0.6% · max 0.6%

10% positive

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

3-Year rolling

+0.00%

5 windows

min 0.0% · max 0.0%

0% 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

0.45%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.65%

Jul 2018 → Oct 2018

% positive months

8.3%

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.

Peers in Liquid Fund

Scheme	Fund house	NAV	As of
SBI Premier Liquid Fund - Institutional - Daily Dividend	SBI	₹1,398.0143	3 Jun 2026
ICICI Prudential Liquid Plan - -Super Institutional Dividend Daily	ICICI Prudential	₹100.1482	3 Jun 2026
Templeton India Treasury Management Account-Super Institutional Plan - Daily Dividend	Franklin Templeton	₹1,000.0000	3 Jun 2026
Kotak Liquid-Institutional Premium Plan - (Daily Dividend)	Kotak Mahindra	₹1,262.0921	3 Jun 2026
DSP BlackRock Liquidity Fund- Institutional Plan-Daily Dividend	DSP BlackRock	₹1,001.4663	3 Jun 2026
HSBC Liquid Fund - Institutional Daily IDCW	HSBC	₹1,562.8262	3 Jun 2026
Canara Robeco Liquid-Super Institutional-Daily Div Reinvest.	Canara Robeco	₹1,005.5000	3 Jun 2026
Tata Floating Short Term Institutional Plan (Growth)	UTI	₹4,344.9468	3 Jun 2026
Birla Sun Life Cash Plus-Institutional - Weekly Dividend	Birla Sun Life	₹108.2863	3 Jun 2026
JM High Liquidity Fund-Super Institutional Plan- Growth	JM Financial	₹43.2368	3 Jun 2026

Recent NAVs

Date	NAV
28 Jul 2019	₹10.0516
26 Jul 2019	₹10.0516
25 Jul 2019	₹10.0516
24 Jul 2019	₹10.0516
23 Jul 2019	₹10.0516
22 Jul 2019	₹10.0516
21 Jul 2019	₹10.0516
19 Jul 2019	₹10.0516
18 Jul 2019	₹10.0516
17 Jul 2019	₹10.0516

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.

As of 28 Jul 2019, the NAV of PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend is ₹10.0516. It's a Liquid Fund from PGIM India, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend has NAV history starting from 08 Mar 2016, a track record of about 10 years 2 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend is managed by PGIM India. It's classified by AMFI under the 'Liquid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend has delivered a absolute return of 0.00% — -2.35 pp behind the Liquid Fund category average of 2.35%. The fund ranks #44 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend has delivered a CAGR of 0.00% — -2.62 pp behind the Liquid Fund category average of 2.62%. The fund ranks #43 of 46 in its category — the bottom (Q4) quartile.

PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend 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 PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend exactly 3 years ago would be worth approximately ₹100,000 today — a multiplier of 1.00×, based on the 3-year CAGR of 0.00%. The category average over the same window would have grown ₹1 lakh to ₹108,083.

A ₹10,000 monthly SIP in PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend over the last 3 years — total invested ₹360,000 — would be worth ₹359,899 today. That's an XIRR (money-weighted annualised return) of -0.02%.

PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹359,899 — XIRR -0.02%.

On a 3-year basis, PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend ranks #43 out of 46 funds in the Liquid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.62%; this fund delivered 0.00%.

The worst peak-to-trough decline PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend has experienced over the last 3-year window is 0.65% — its NAV fell from a high on 06 Jul 2018 to a low on 04 Oct 2018. 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, PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend averaged 0.00% (best 0.00%, worst 0.00%). 0% of rolling windows ended positive.

In calendar year 2018, PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend returned 0.00% — lagging the Liquid Fund category average of 2.61% by 2.61 pp. It ranked #43 of 45 in its category that year.

PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend 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. PGIM India Insta Cash Fund-Institutional Plan-Daily Dividend 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.