Should I invest in Principal Cash Management-Liquid Option-Insti Premium?

We don't give personal investment advice. Principal Cash Management-Liquid Option-Insti Premium - Growth 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: 8.1%. 5-year CAGR: 3.57%.

PRINCIPAL

Principal Cash Management-Liquid Option-Insti Premium - Growth

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 25 Dec 2011. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

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%	-3.56%	+3.57	42 / 84	Q2
1W	+0.06%	-3.52%	+3.59	32 / 84	Q2
2W	+0.13%	-3.50%	+3.63	24 / 84	Q2
1M	+0.27%	-6.74%	+7.01	20 / 87	Q1
3M	+0.81%	-6.22%	+7.03	31 / 86	Q2
6M	+1.59%	-6.43%	+8.02	28 / 84	Q2
YTD	+3.17%	-6.15%	+9.32	13 / 85	Q1
1Y	+3.18%	-5.38%	+8.56	28 / 84	Q2
2Y	+3.47%	-6.52%	+9.99	26 / 86	Q2
3Y	+4.36%	-6.38%	+10.74	24 / 85	Q2
4Y	+2.78%	-7.58%	+10.36	22 / 74	Q2
5Y	+3.57%	-4.41%	+7.98	20 / 61	Q2
7Y	+4.82%	+0.51%	+4.32	15 / 50	Q2
10Y	+1.27%	+0.08%	+1.20	17 / 47	Q2
Inception	+3.42%	-6.05%	+9.47	21 / 88	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
2021 YTD	+3.17%	+0.65%	+2.52	2 / 10
2020	+3.75%	+1.38%	+2.37	4 / 22
2019	+6.15%	+2.92%	+3.23	4 / 24
2018	-1.83%	+1.53%	-3.36	29 / 32
2017	+6.72%	+2.08%	+4.64	2 / 40
2016	+7.66%	+2.54%	+5.12	6 / 49
2015	+8.40%	+2.88%	+5.52	3 / 50
2014	+9.05%	+2.21%	+6.83	7 / 50
2013	-31.78%	+2.22%	-34.00	51 / 51
2012	+9.65%	+2.94%	+6.72	5 / 58
2011	+8.92%	-4.13%	+13.04	7 / 67

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

+3.96%

180 windows

min -32.1% · max 9.8%

87% positive

3-Year rolling

+3.13%

156 windows

min -7.3% · max 8.9%

77% positive

5-Year rolling

+2.64%

132 windows

min -2.1% · max 8.1%

54% positive

7-Year rolling

+1.79%

107 windows

min -0.6% · max 6.3%

85% 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

0.40%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.04%

Mar 2020 → Mar 2020

% 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.

Recent NAVs

Date	NAV
30 Dec 2021	₹1,849.8102
29 Dec 2021	₹1,849.6505
28 Dec 2021	₹1,849.4780
27 Dec 2021	₹1,849.3174
26 Dec 2021	₹1,849.1347
25 Dec 2021	₹1,848.9683
23 Dec 2021	₹1,848.6289
22 Dec 2021	₹1,848.4316
21 Dec 2021	₹1,848.2467
20 Dec 2021	₹1,848.1316

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 Cash Management-Liquid Option-Insti Premium - Growth is a Liquid 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 Cash Management-Liquid Option-Insti Premium - Growth has NAV history starting from 01 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 Cash Management-Liquid Option-Insti Premium - Growth is managed by PRINCIPAL. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Principal Cash Management-Liquid Option-Insti Premium - Growth has delivered a absolute return of 3.18% — +8.56 pp ahead of the Liquid category average of -5.38%. The fund ranks #28 of 84 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Principal Cash Management-Liquid Option-Insti Premium - Growth has delivered a CAGR of 4.36% — +10.74 pp ahead of the Liquid category average of -6.38%. The fund ranks #24 of 85 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Principal Cash Management-Liquid Option-Insti Premium - Growth has delivered a CAGR of 3.57% — +7.98 pp ahead of the Liquid category average of -4.41%. The fund ranks #20 of 61 in its category — the second (Q2) quartile.

₹1 lakh invested in Principal Cash Management-Liquid Option-Insti Premium - Growth exactly 10 years ago would be worth approximately ₹113,496 today — a multiplier of 1.13×, based on the 10-year CAGR of 1.27%. The category average over the same window would have grown ₹1 lakh to ₹100,791.

A ₹10,000 monthly SIP in Principal Cash Management-Liquid Option-Insti Premium - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹652,072 today. That's an XIRR (money-weighted annualised return) of 3.28%.

A ₹10,000 monthly SIP for 10 years in Principal Cash Management-Liquid Option-Insti Premium - Growth = ₹1,200,000 invested. It would currently be worth ₹1,439,784 (multiplier 1.20×). XIRR: 3.57%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Principal Cash Management-Liquid Option-Insti Premium - Growth ranks #20 out of 61 funds in the Liquid category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -4.41%; this fund delivered 3.57%.

The worst peak-to-trough decline Principal Cash Management-Liquid Option-Insti Premium - Growth has experienced over the last 5-year window is 8.11% — its NAV fell from a high on 07 Sep 2018 to a low on 24 Sep 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 Cash Management-Liquid Option-Insti Premium - Growth averaged 2.64% (best 8.11%, worst -2.06%). 54% of rolling windows ended positive. The 5-year Sharpe ratio is -0.79 — negative risk-adjusted performance.

In calendar year 2020, Principal Cash Management-Liquid Option-Insti Premium - Growth returned 3.75% — beating the Liquid category average of 1.38% by 2.37 pp. It ranked #4 of 22 in its category that year.

Principal Cash Management-Liquid Option-Insti Premium - Growth 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 Cash Management-Liquid Option-Insti Premium - Growth 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: 8.1%. 5-year CAGR: 3.57%.

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