Should I invest in Principal Short Term Plan?

We don't give personal investment advice. Principal Short Term Plan-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.

PRINCIPAL

Principal Short Term Plan-Growth

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%	-9.99%	+9.99	235 / 1129	Q1
1W	+0.10%	-13.04%	+13.13	266 / 1151	Q1
2W	+0.18%	-13.18%	+13.37	223 / 1149	Q1
1M	+0.45%	-13.26%	+13.71	215 / 1137	Q1
3M	+1.01%	-13.15%	+14.16	271 / 1116	Q1
6M	+2.45%	-15.45%	+17.91	312 / 906	Q2
YTD	+3.55%	-15.77%	+19.33	197 / 952	Q1
1Y	+5.27%	-13.09%	+18.35	308 / 820	Q2
2Y	+8.51%	-12.72%	+21.23	49 / 446	Q1
3Y	+8.04%	-11.01%	+19.05	47 / 385	Q1
4Y	+7.81%	-6.52%	+14.33	63 / 339	Q1
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.82%	-13.63%	+21.45	215 / 1199	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
2010 YTD	+3.55%	-5.78%	+9.34	118 / 377
2009	+9.21%	-12.86%	+22.06	106 / 713
2008	+8.81%	-2.02%	+10.83	59 / 380
2007	+7.66%	+4.84%	+2.82	66 / 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

+8.32%

43 windows

min 5.3% · max 13.9%

100% positive

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

3-Year rolling

+8.59%

19 windows

min 8.0% · max 9.4%

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

1.91%

3-year · annualised

Sharpe ratio

0.67

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.67%

Aug 2009 → Aug 2009

% positive months

94.4%

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	₹17.6527
22 Sep 2010	₹17.6515
21 Sep 2010	₹17.6496
20 Sep 2010	₹17.6468
17 Sep 2010	₹17.6388
16 Sep 2010	₹17.6359
15 Sep 2010	₹17.6346
14 Sep 2010	₹17.6305
13 Sep 2010	₹17.6304
9 Sep 2010	₹17.6205

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 Short Term Plan-Growth 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 Short Term Plan-Growth 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 Short Term Plan-Growth 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 Short Term Plan-Growth has delivered a absolute return of 5.27% — +18.35 pp ahead of the Income category average of -13.09%. The fund ranks #308 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Principal Short Term Plan-Growth has delivered a CAGR of 8.04% — +19.05 pp ahead of the Income category average of -11.01%. The fund ranks #47 of 385 in its category — the top (Q1) quartile.

Principal Short Term Plan-Growth 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 Short Term Plan-Growth exactly 3 years ago would be worth approximately ₹126,117 today — a multiplier of 1.26×, based on the 3-year CAGR of 8.04%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in Principal Short Term Plan-Growth over the last 3 years — total invested ₹360,000 — would be worth ₹402,788 today. That's an XIRR (money-weighted annualised return) of 7.41%.

Principal Short Term Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹402,788 — XIRR 7.41%.

On a 3-year basis, Principal Short Term Plan-Growth ranks #47 out of 385 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -11.01%; this fund delivered 8.04%.

The worst peak-to-trough decline Principal Short Term Plan-Growth has experienced over the last 3-year window is 1.67% — its NAV fell from a high on 28 Aug 2009 to a low on 31 Aug 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 Short Term Plan-Growth averaged 8.59% (best 9.39%, worst 8.04%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.67 — reasonable risk-adjusted performance.

In calendar year 2009, Principal Short Term Plan-Growth returned 9.21% — beating the Income category average of -12.86% by 22.06 pp. It ranked #106 of 713 in its category that year.

Principal Short Term Plan-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 Short Term Plan-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.

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