Should I invest in Principal Monthly Income Plan-Quaterly Dividend?

We don't give personal investment advice. Principal Monthly Income Plan-Quaterly 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. Worst 5-year drawdown: 16.2%. 5-year CAGR: 4.69%.

PRINCIPAL

Principal Monthly Income Plan-Quaterly Dividend

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	+0.07%	-9.99%	+10.05	69 / 1129	Q1
1W	+0.02%	-13.04%	+13.06	350 / 1151	Q2
2W	-2.63%	-13.18%	+10.55	859 / 1149	Q3
1M	-1.43%	-13.26%	+11.83	645 / 1137	Q3
3M	-0.97%	-13.15%	+12.17	759 / 1116	Q3
6M	+3.54%	-15.45%	+18.99	215 / 906	Q1
YTD	+9.45%	-15.77%	+25.22	19 / 952	Q1
1Y	+9.71%	-13.09%	+22.80	92 / 820	Q1
2Y	+9.60%	-12.72%	+22.32	17 / 446	Q1
3Y	+6.61%	-11.01%	+17.61	82 / 385	Q1
4Y	+4.62%	-6.52%	+11.14	108 / 339	Q2
5Y	+4.69%	-7.36%	+12.05	103 / 314	Q2
7Y	+3.00%	+2.53%	+0.47	103 / 234	Q2
10Y	+2.91%	+3.14%	-0.23	42 / 101	Q2
Inception	+2.15%	-13.63%	+15.78	360 / 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
2021 YTD	+9.45%	+5.14%	+4.30	7 / 42
2020	+9.35%	+5.20%	+4.15	3 / 45
2019	+0.82%	-4.85%	+5.68	16 / 56
2018	-1.10%	+1.30%	-2.40	79 / 90
2017	+4.62%	+1.63%	+2.99	33 / 137
2016	-1.94%	+3.02%	-4.96	176 / 181
2015	-0.38%	+2.22%	-2.60	192 / 216
2014	+2.84%	+5.51%	-2.67	139 / 240
2013	-0.25%	-1.95%	+1.71	204 / 276
2012	+5.47%	+1.38%	+4.09	137 / 295
2011	+0.18%	-3.16%	+3.34	160 / 317

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

+2.37%

180 windows

min -11.2% · max 25.5%

62% positive

3-Year rolling

+1.46%

156 windows

min -3.1% · max 8.2%

82% positive

5-Year rolling

+1.37%

132 windows

min -1.1% · max 4.8%

95% positive

7-Year rolling

+1.40%

107 windows

min -0.9% · max 3.3%

96% 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

9.41%

3-year · annualised

Sharpe ratio

0.04

vs risk-free 6.5%

Sortino ratio

0.06

Downside-only deviation

Max drawdown

-15.66%

Jun 2019 → Mar 2020

% positive months

61.1%

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	₹15.0989
29 Dec 2021	₹15.0890
28 Dec 2021	₹15.1192
27 Dec 2021	₹15.0587
24 Dec 2021	₹15.0292
23 Dec 2021	₹15.0958
22 Dec 2021	₹15.0569
21 Dec 2021	₹14.9458
20 Dec 2021	₹14.8609
17 Dec 2021	₹15.3213

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 Monthly Income Plan-Quaterly Dividend 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 Monthly Income Plan-Quaterly Dividend 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 Monthly Income Plan-Quaterly Dividend 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 Monthly Income Plan-Quaterly Dividend has delivered a absolute return of 9.71% — +22.8 pp ahead of the Income category average of -13.09%. The fund ranks #92 of 820 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Principal Monthly Income Plan-Quaterly Dividend has delivered a CAGR of 6.61% — +17.61 pp ahead of the Income category average of -11.01%. The fund ranks #82 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Principal Monthly Income Plan-Quaterly Dividend has delivered a CAGR of 4.69% — +12.05 pp ahead of the Income category average of -7.36%. The fund ranks #103 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in Principal Monthly Income Plan-Quaterly Dividend exactly 10 years ago would be worth approximately ₹133,257 today — a multiplier of 1.33×, based on the 10-year CAGR of 2.91%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in Principal Monthly Income Plan-Quaterly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹702,106 today. That's an XIRR (money-weighted annualised return) of 6.21%.

A ₹10,000 monthly SIP for 10 years in Principal Monthly Income Plan-Quaterly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,451,669 (multiplier 1.21×). XIRR: 3.73%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Principal Monthly Income Plan-Quaterly Dividend ranks #103 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 4.69%.

The worst peak-to-trough decline Principal Monthly Income Plan-Quaterly Dividend has experienced over the last 5-year window is 16.16% — its NAV fell from a high on 16 Jun 2017 to a low on 23 Mar 2020. 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 Monthly Income Plan-Quaterly Dividend averaged 1.37% (best 4.84%, worst -1.10%). 95% of rolling windows ended positive. The 5-year Sharpe ratio is -0.19 — negative risk-adjusted performance.

In calendar year 2020, Principal Monthly Income Plan-Quaterly Dividend returned 9.35% — beating the Income category average of 5.20% by 4.15 pp. It ranked #3 of 45 in its category that year.

Principal Monthly Income Plan-Quaterly 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 Monthly Income Plan-Quaterly 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: 16.2%. 5-year CAGR: 4.69%.

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