Should I invest in PGIM India INSTA CASH FUND-Monthly Bonus Option?

We don't give personal investment advice. PGIM India INSTA CASH FUND-Monthly Bonus 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.

PGIM India

PGIM India INSTA CASH FUND-Monthly Bonus Option

Latest NAV

₹140.0664

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%	-0.82%	+0.82	100 / 117	Q4
1W	+0.00%	-1.29%	+1.29	91 / 116	Q4
2W	+0.05%	-1.24%	+1.29	62 / 116	Q3
1M	+0.27%	-1.16%	+1.43	47 / 115	Q2
3M	+1.17%	-0.80%	+1.97	37 / 115	Q2
6M	+3.19%	-0.21%	+3.40	26 / 116	Q1
YTD	+3.63%	-0.05%	+3.68	3 / 116	Q1
1Y	+6.50%	+0.85%	+5.65	5 / 115	Q1
2Y	+6.76%	+1.10%	+5.65	6 / 111	Q1
3Y	+6.79%	+1.15%	+5.64	19 / 101	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.97%	+1.28%	+5.69	9 / 114	Q1

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	+3.63%	+2.59%	+1.04	34 / 87
2018	+6.99%	+2.60%	+4.39	26 / 88
2017	+6.67%	+2.32%	+4.35	12 / 85
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

+6.93%

30 windows

min 6.5% · max 7.4%

100% positive

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

3-Year rolling

+6.96%

5 windows

min 6.8% · max 7.1%

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

0.27%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% positive months

100.0%

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
HDFC Liquid Fund-Dividend - Daily	HDFC	₹1,019.8200	19 Jul 2026
NIPPON INDIA LIQUID FUND - QUARTERLY IDCW OPTION	Nippon India	₹1,009.0827	19 Jul 2026
ICICI Prudential Liquid Fund - IDCW Others	ICICI Prudential	₹191.4582	19 Jul 2026
Invesco India Liquid Fund - Unclaimed Dividend Plan - Above 3 Years	Invesco	₹1,000.0000	19 Jul 2026
BANDHAN LIQUID Fund - Unclaimed IDCW Less than 3 years	Bandhan	₹1.8099	19 Jul 2026
Quantum Liquid Fund - Unclaimed IDCW Plan Above 3 years	Quantum	₹10.0000	19 Jul 2026
Motilal Oswal Liquid Fund - Unclaimed Dividend - Greater than 3 years	Motilal Oswal	₹10.0000	19 Jul 2026
Templeton India Treasury Management - Institution-Daily	Franklin Templeton	₹1,000.0000	19 Jul 2026
Mirae Asset Cash Management Fund - Daily Dividend	Mirae Asset	₹1,066.4347	19 Jul 2026
HSBC Liquid Fund - IDCW	HSBC	₹1,019.3000	19 Jul 2026

Recent NAVs

Date	NAV
28 Jul 2019	₹140.0664
26 Jul 2019	₹140.0664
25 Jul 2019	₹140.0664
24 Jul 2019	₹140.0664
23 Jul 2019	₹140.0664
22 Jul 2019	₹140.0664
21 Jul 2019	₹140.0664
19 Jul 2019	₹140.0664
18 Jul 2019	₹140.0664
17 Jul 2019	₹140.0664

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-Monthly Bonus Option is ₹140.0664. It's a Liquid Fund from PGIM India, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

PGIM India INSTA CASH FUND-Monthly Bonus Option has NAV history starting from 08 Mar 2016, a track record of about 10 years 4 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-Monthly Bonus Option 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-Monthly Bonus Option has delivered a absolute return of 6.50% — +5.65 pp ahead of the Liquid Fund category average of 0.85%. The fund ranks #5 of 115 in its category — the top (Q1) quartile.

Over the trailing 3-year window, PGIM India INSTA CASH FUND-Monthly Bonus Option has delivered a CAGR of 6.79% — +5.64 pp ahead of the Liquid Fund category average of 1.15%. The fund ranks #19 of 101 in its category — the top (Q1) quartile.

PGIM India INSTA CASH FUND-Monthly Bonus 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 PGIM India INSTA CASH FUND-Monthly Bonus Option exactly 3 years ago would be worth approximately ₹121,786 today — a multiplier of 1.22×, based on the 3-year CAGR of 6.79%. The category average over the same window would have grown ₹1 lakh to ₹103,502.

A ₹10,000 monthly SIP in PGIM India INSTA CASH FUND-Monthly Bonus Option over the last 3 years — total invested ₹360,000 — would be worth ₹398,495 today. That's an XIRR (money-weighted annualised return) of 6.71%.

PGIM India INSTA CASH FUND-Monthly Bonus Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹398,495 — XIRR 6.71%.

On a 3-year basis, PGIM India INSTA CASH FUND-Monthly Bonus Option ranks #19 out of 101 funds in the Liquid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 1.15%; this fund delivered 6.79%.

The worst peak-to-trough decline PGIM India INSTA CASH FUND-Monthly Bonus Option has experienced over the last 3-year window is 0.00%. 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-Monthly Bonus Option averaged 6.96% (best 7.09%, worst 6.79%). 100% of rolling windows ended positive.

In calendar year 2018, PGIM India INSTA CASH FUND-Monthly Bonus Option returned 6.99% — beating the Liquid Fund category average of 2.60% by 4.39 pp. It ranked #26 of 88 in its category that year.

PGIM India INSTA CASH FUND-Monthly Bonus 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. PGIM India INSTA CASH FUND-Monthly Bonus 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.