Should I invest in Principal Income Fund?

We don't give personal investment advice. Principal Income Fund-Dividend Plan-Half Yearly 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 Income Fund-Dividend Plan-Half Yearly

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	+0.12%	-9.99%	+10.11	59 / 1129	Q1
1W	-1.98%	-13.04%	+11.06	691 / 1151	Q3
2W	-2.01%	-13.18%	+11.17	737 / 1149	Q3
1M	-1.78%	-13.26%	+11.48	781 / 1137	Q3
3M	-1.45%	-13.15%	+11.70	789 / 1116	Q3
6M	-1.52%	-15.45%	+13.93	590 / 906	Q3
YTD	-0.93%	-15.77%	+14.85	583 / 952	Q3
1Y	-3.15%	-13.09%	+9.93	641 / 820	Q4
2Y	+0.93%	-12.72%	+13.65	220 / 446	Q2
3Y	+0.31%	-11.01%	+11.31	216 / 385	Q3
4Y	+0.93%	-6.52%	+7.45	171 / 339	Q3
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.04%	-13.63%	+14.67	402 / 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
2010 YTD	-0.93%	-5.78%	+4.86	303 / 377
2009	-6.99%	-12.86%	+5.87	570 / 713
2008	+8.41%	-2.02%	+10.43	62 / 380
2007	+1.89%	+4.84%	-2.94	103 / 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

+1.00%

43 windows

min -4.8% · max 8.2%

58% positive

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

3-Year rolling

+1.21%

19 windows

min 0.3% · max 2.1%

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

8.43%

3-year · annualised

Sharpe ratio

-0.69

vs risk-free 6.5%

Sortino ratio

-1.19

Downside-only deviation

Max drawdown

-11.37%

Jan 2009 → Mar 2009

% positive months

58.3%

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.

Recent NAVs

Date	NAV
23 Sep 2010	₹10.8261
22 Sep 2010	₹10.8127
21 Sep 2010	₹10.8062
20 Sep 2010	₹11.0491
17 Sep 2010	₹11.0401
16 Sep 2010	₹11.0447
15 Sep 2010	₹11.0455
14 Sep 2010	₹11.0439
13 Sep 2010	₹11.0389
9 Sep 2010	₹11.0484

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 Income Fund-Dividend Plan-Half Yearly 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 Income Fund-Dividend Plan-Half Yearly has NAV history starting from 03 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 Income Fund-Dividend Plan-Half Yearly 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 Income Fund-Dividend Plan-Half Yearly has delivered a absolute return of -3.15% — +9.93 pp ahead of the Income category average of -13.09%. The fund ranks #641 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Principal Income Fund-Dividend Plan-Half Yearly has delivered a CAGR of 0.31% — +11.31 pp ahead of the Income category average of -11.01%. The fund ranks #216 of 385 in its category — the third (Q3) quartile.

Principal Income Fund-Dividend Plan-Half Yearly 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 Income Fund-Dividend Plan-Half Yearly exactly 3 years ago would be worth approximately ₹100,920 today — a multiplier of 1.01×, based on the 3-year CAGR of 0.31%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in Principal Income Fund-Dividend Plan-Half Yearly over the last 3 years — total invested ₹360,000 — would be worth ₹358,853 today. That's an XIRR (money-weighted annualised return) of -0.21%.

Principal Income Fund-Dividend Plan-Half Yearly doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹358,853 — XIRR -0.21%.

On a 3-year basis, Principal Income Fund-Dividend Plan-Half Yearly ranks #216 out of 385 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -11.01%; this fund delivered 0.31%.

The worst peak-to-trough decline Principal Income Fund-Dividend Plan-Half Yearly has experienced over the last 3-year window is 11.37% — its NAV fell from a high on 05 Jan 2009 to a low on 26 Mar 2009. 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 Income Fund-Dividend Plan-Half Yearly averaged 1.21% (best 2.11%, worst 0.31%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.69 — negative risk-adjusted performance.

In calendar year 2009, Principal Income Fund-Dividend Plan-Half Yearly returned -6.99% — beating the Income category average of -12.86% by 5.87 pp. It ranked #570 of 713 in its category that year.

Principal Income Fund-Dividend Plan-Half Yearly 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 Income Fund-Dividend Plan-Half Yearly 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.