Should I invest in Principal Ultra Short Term Fund -Reg plan -Div Option-monthly?

We don't give personal investment advice. Principal Ultra Short Term Fund -Reg plan -Div Option-monthly 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: 1.4%. 5-year CAGR: 0.47%.

PRINCIPAL

Principal Ultra Short Term Fund -Reg plan -Div Option-monthly

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 26 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	+0.02%	-9.99%	+10.00	170 / 1129	Q1
1W	-0.35%	-13.04%	+12.69	474 / 1151	Q2
2W	-0.24%	-13.18%	+12.94	440 / 1149	Q2
1M	+0.00%	-13.26%	+13.26	361 / 1137	Q2
3M	-0.34%	-13.15%	+12.81	708 / 1116	Q3
6M	-0.50%	-15.45%	+14.96	565 / 906	Q3
YTD	-0.13%	-15.77%	+15.64	474 / 952	Q2
1Y	-0.43%	-13.09%	+12.65	537 / 820	Q3
2Y	-0.24%	-12.72%	+12.48	322 / 446	Q3
3Y	-0.23%	-11.01%	+10.77	288 / 385	Q3
4Y	-0.08%	-6.52%	+6.44	256 / 339	Q4
5Y	+0.47%	-7.36%	+7.83	178 / 314	Q3
7Y	+0.95%	+2.53%	-1.58	140 / 234	Q3
10Y	—	—	—	—	—
Inception	+1.24%	-13.63%	+14.87	396 / 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
2017 YTD	-0.13%	+1.63%	-1.76	106 / 137
2016	-0.10%	+3.02%	-3.12	159 / 181
2015	+0.00%	+2.22%	-2.22	152 / 216
2014	-0.03%	+5.51%	-5.54	206 / 240
2013	+1.20%	-1.95%	+3.16	122 / 276
2012	+2.44%	+1.38%	+1.06	161 / 295
2011	+2.72%	-3.16%	+5.88	102 / 317
2010	+0.50%	-5.78%	+6.28	205 / 377
2009	+1.68%	-12.86%	+14.54	303 / 713
2008	+2.80%	-2.02%	+4.82	112 / 380
2007	—	—	—	—

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

+1.31%

105 windows

min -0.9% · max 8.2%

70% positive

3-Year rolling

+1.25%

80 windows

min -0.3% · max 2.4%

86% positive

5-Year rolling

+1.39%

56 windows

min 0.5% · max 2.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+1.22%

32 windows

min 0.9% · max 1.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

0.59%

3-year · annualised

Sharpe ratio

-11.40

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.00%

Apr 2016 → Nov 2016

% positive months

50.0%

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
19 May 2017	₹1,124.9758
18 May 2017	₹1,124.8014
17 May 2017	₹1,129.8046
16 May 2017	₹1,129.6289
15 May 2017	₹1,129.4532
12 May 2017	₹1,128.9400
11 May 2017	₹1,128.7668
9 May 2017	₹1,128.4193
8 May 2017	₹1,128.2427
5 May 2017	₹1,127.7224

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 Ultra Short Term Fund -Reg plan -Div Option-monthly 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 Ultra Short Term Fund -Reg plan -Div Option-monthly has NAV history starting from 07 Nov 2007, a track record of about 18 years 6 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 Ultra Short Term Fund -Reg plan -Div Option-monthly 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 Ultra Short Term Fund -Reg plan -Div Option-monthly has delivered a absolute return of -0.43% — +12.65 pp ahead of the Income category average of -13.09%. The fund ranks #537 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Principal Ultra Short Term Fund -Reg plan -Div Option-monthly has delivered a CAGR of -0.23% — +10.77 pp ahead of the Income category average of -11.01%. The fund ranks #288 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Principal Ultra Short Term Fund -Reg plan -Div Option-monthly has delivered a CAGR of 0.47% — +7.83 pp ahead of the Income category average of -7.36%. The fund ranks #178 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in Principal Ultra Short Term Fund -Reg plan -Div Option-monthly exactly 5 years ago would be worth approximately ₹102,361 today — a multiplier of 1.02×, based on the 5-year CAGR of 0.47%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in Principal Ultra Short Term Fund -Reg plan -Div Option-monthly over the last 5 years — total invested ₹600,000 — would be worth ₹598,979 today. That's an XIRR (money-weighted annualised return) of -0.07%.

Principal Ultra Short Term Fund -Reg plan -Div Option-monthly doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹851,079 — XIRR 0.37%.

On a 5-year basis, Principal Ultra Short Term Fund -Reg plan -Div Option-monthly ranks #178 out of 314 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 -7.36%; this fund delivered 0.47%.

The worst peak-to-trough decline Principal Ultra Short Term Fund -Reg plan -Div Option-monthly has experienced over the last 5-year window is 1.40% — its NAV fell from a high on 24 Sep 2013 to a low on 25 Mar 2015. 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 Ultra Short Term Fund -Reg plan -Div Option-monthly averaged 1.39% (best 2.13%, worst 0.47%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -7.64 — negative risk-adjusted performance.

In calendar year 2016, Principal Ultra Short Term Fund -Reg plan -Div Option-monthly returned -0.10% — lagging the Income category average of 3.02% by 3.12 pp. It ranked #159 of 181 in its category that year.

Principal Ultra Short Term Fund -Reg plan -Div Option-monthly 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 Ultra Short Term Fund -Reg plan -Div Option-monthly 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: 1.4%. 5-year CAGR: 0.47%.

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