PRINCIPAL

Principal Cash Management-Liquid Option-Insti Premium - Monthly Dividend

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	43 / 84	Q3
1W	+0.06%	-3.52%	+3.59	33 / 84	Q2
2W	-0.14%	-3.50%	+3.37	76 / 84	Q4
1M	+0.00%	-6.74%	+6.75	48 / 87	Q3
3M	+0.01%	-6.22%	+6.23	43 / 86	Q2
6M	-0.01%	-6.43%	+6.41	61 / 84	Q3
YTD	+0.00%	-6.15%	+6.15	43 / 85	Q3
1Y	+0.01%	-5.38%	+5.39	43 / 84	Q3
2Y	+0.20%	-6.52%	+6.72	41 / 86	Q2
3Y	+2.15%	-6.38%	+8.53	29 / 85	Q2
4Y	-0.04%	-7.58%	+7.54	59 / 74	Q4
5Y	0.00%	-4.41%	+4.41	45 / 61	Q3
7Y	-0.01%	+0.51%	-0.52	44 / 50	Q4
10Y	+0.10%	+0.08%	+0.02	29 / 47	Q3
Inception	+0.12%	-6.05%	+6.17	51 / 88	Q3

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	+0.00%	+0.65%	-0.64	6 / 10
2020	+0.38%	+1.38%	-1.00	17 / 22
2019	+6.15%	+2.92%	+3.23	2 / 24
2018	-6.36%	+1.53%	-7.89	30 / 32
2017	+0.12%	+2.08%	-1.96	20 / 40
2016	-0.06%	+2.54%	-2.60	46 / 49
2015	-0.01%	+2.88%	-2.89	47 / 50
2014	-0.03%	+2.21%	-2.25	47 / 50
2013	+0.47%	+2.22%	-1.75	26 / 51
2012	+0.63%	+2.94%	-2.31	26 / 58
2011	+0.54%	-4.13%	+4.67	30 / 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

+0.13%

158 windows

min -7.9% · max 6.5%

64% positive

3-Year rolling

+0.05%

135 windows

min -2.7% · max 2.7%

58% positive

5-Year rolling

+0.04%

121 windows

min -1.7% · max 0.5%

58% positive

7-Year rolling

+0.07%

96 windows

min -1.0% · max 0.4%

63% 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

0.83%

3-year · annualised

Sharpe ratio

-5.24

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.44%

Mar 2020 → Mar 2020

% positive months

75.0%

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	₹1,023.9314
29 Dec 2021	₹1,023.8430
28 Dec 2021	₹1,023.7475
27 Dec 2021	₹1,023.6588
26 Dec 2021	₹1,023.5577
25 Dec 2021	₹1,023.4656
23 Dec 2021	₹1,023.2777
22 Dec 2021	₹1,023.1685
21 Dec 2021	₹1,023.0659
20 Dec 2021	₹1,023.0022

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 - Monthly Dividend 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 - Monthly Dividend 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 - Monthly Dividend 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 - Monthly Dividend has delivered a absolute return of 0.01% — +5.39 pp ahead of the Liquid category average of -5.38%. The fund ranks #43 of 84 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Principal Cash Management-Liquid Option-Insti Premium - Monthly Dividend has delivered a CAGR of 2.15% — +8.53 pp ahead of the Liquid category average of -6.38%. The fund ranks #29 of 85 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Principal Cash Management-Liquid Option-Insti Premium - Monthly Dividend has delivered a CAGR of 0.00% — +4.41 pp ahead of the Liquid category average of -4.41%. The fund ranks #45 of 61 in its category — the third (Q3) quartile.

₹1 lakh invested in Principal Cash Management-Liquid Option-Insti Premium - Monthly Dividend exactly 10 years ago would be worth approximately ₹101,040 today — a multiplier of 1.01×, based on the 10-year CAGR of 0.10%. 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 - Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹606,395 today. That's an XIRR (money-weighted annualised return) of 0.42%.

A ₹10,000 monthly SIP for 10 years in Principal Cash Management-Liquid Option-Insti Premium - Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,207,438 (multiplier 1.01×). XIRR: 0.12%. 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 - Monthly Dividend ranks #45 out of 61 funds in the Liquid category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -4.41%; this fund delivered -0.00%.

The worst peak-to-trough decline Principal Cash Management-Liquid Option-Insti Premium - Monthly Dividend has experienced over the last 5-year window is 8.33% — its NAV fell from a high on 17 Jul 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 - Monthly Dividend averaged 0.04% (best 0.46%, worst -1.65%). 58% of rolling windows ended positive. The 5-year Sharpe ratio is -1.77 — negative risk-adjusted performance.

In calendar year 2020, Principal Cash Management-Liquid Option-Insti Premium - Monthly Dividend returned 0.38% — lagging the Liquid category average of 1.38% by 1.00 pp. It ranked #17 of 22 in its category that year.

Principal Cash Management-Liquid Option-Insti Premium - Monthly 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. Principal Cash Management-Liquid Option-Insti Premium - Monthly 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. Worst 5-year drawdown: 8.3%. 5-year CAGR: -0.00%.

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