Should I invest in Principal Pnb Fixed Duration Fund 3 Year Plan- Series I?

We don't give personal investment advice. Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout 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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout

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%	-9.99%	+9.99	487 / 1129	Q2
1W	-17.15%	-13.04%	-4.11	1012 / 1151	Q4
2W	-16.86%	-13.18%	-3.68	1008 / 1149	Q4
1M	-16.95%	-13.26%	-3.69	993 / 1137	Q4
3M	-13.97%	-13.15%	-0.82	964 / 1116	Q4
6M	-12.06%	-15.45%	+3.40	749 / 906	Q4
YTD	-11.75%	-15.77%	+4.02	777 / 952	Q4
1Y	-13.34%	-13.09%	-0.26	681 / 820	Q4
2Y	-5.56%	-12.72%	+7.16	368 / 446	Q4
3Y	-0.06%	-11.01%	+10.94	275 / 385	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.06%	-13.63%	+13.57	693 / 1199	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
2009 YTD	-11.75%	-12.86%	+1.10	592 / 713
2008	-8.98%	-2.02%	-6.96	326 / 380
2007	+15.68%	+4.84%	+10.85	9 / 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

+3.98%

25 windows

min -13.3% · max 15.6%

64% positive

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

3-Year rolling

-0.06%

1 window

min -0.1% · max -0.1%

0% 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

11.75%

3-year · annualised

Sharpe ratio

-0.49

vs risk-free 6.5%

Sortino ratio

-0.55

Downside-only deviation

Max drawdown

-20.18%

Jan 2008 → Jul 2009

% positive months

66.7%

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
6 Jul 2009	₹10.0000
3 Jul 2009	₹12.0634
2 Jul 2009	₹12.0637
30 Jun 2009	₹12.0607
29 Jun 2009	₹12.0698
26 Jun 2009	₹12.0635
25 Jun 2009	₹12.0464
24 Jun 2009	₹12.0489
23 Jun 2009	₹12.0309
22 Jun 2009	₹12.0286

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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout 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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout has NAV history starting from 10 Jul 2006, a track record of about 19 years 11 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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout 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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout has delivered a absolute return of -13.34% — -0.26 pp behind the Income category average of -13.09%. The fund ranks #681 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout has delivered a CAGR of -0.06% — +10.94 pp ahead of the Income category average of -11.01%. The fund ranks #275 of 385 in its category — the third (Q3) quartile.

Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout 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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout exactly 3 years ago would be worth approximately ₹99,808 today — a multiplier of 1.00×, based on the 3-year CAGR of -0.06%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout over the last 3 years — total invested ₹360,000 — would be worth ₹320,030 today. That's an XIRR (money-weighted annualised return) of -7.49%.

Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹320,030 — XIRR -7.49%.

On a 3-year basis, Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout ranks #275 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 -0.06%.

The worst peak-to-trough decline Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout has experienced over the last 3-year window is 20.18% — its NAV fell from a high on 07 Jan 2008 to a low on 06 Jul 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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout averaged -0.06% (best -0.06%, worst -0.06%). 0% of rolling windows ended positive. The 3-year Sharpe ratio is -0.49 — negative risk-adjusted performance.

In calendar year 2008, Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout returned -8.98% — lagging the Income category average of -2.02% by 6.96 pp. It ranked #326 of 380 in its category that year.

Principal Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout 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 Pnb Fixed Duration Fund 3 Year Plan- Series I-Dividend Payout 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.