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

We don't give personal investment advice. Principal Ultra Short Term Fund -Reg plan -Growth Option 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: 0.4%. 5-year CAGR: 8.43%.

PRINCIPAL

Principal Ultra Short Term Fund -Reg plan -Growth Option

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	171 / 1129	Q1
1W	+0.11%	-13.04%	+13.15	227 / 1151	Q1
2W	+0.22%	-13.18%	+13.40	198 / 1149	Q1
1M	+0.46%	-13.26%	+13.72	203 / 1137	Q1
3M	+1.45%	-13.15%	+14.60	209 / 1116	Q1
6M	+2.86%	-15.45%	+18.31	280 / 906	Q2
YTD	+2.17%	-15.77%	+17.95	245 / 952	Q2
1Y	+6.67%	-13.09%	+19.76	273 / 820	Q2
2Y	+7.50%	-12.72%	+20.22	79 / 446	Q1
3Y	+7.87%	-11.01%	+18.88	57 / 385	Q1
4Y	+8.28%	-6.52%	+14.80	47 / 339	Q1
5Y	+8.43%	-7.36%	+15.80	37 / 314	Q1
7Y	+8.36%	+2.53%	+5.83	23 / 234	Q1
10Y	—	—	—	—	—
Inception	+8.03%	-13.63%	+21.67	183 / 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
2017 YTD	+2.17%	+1.63%	+0.55	41 / 137
2016	+7.65%	+3.02%	+4.63	43 / 181
2015	+8.52%	+2.22%	+6.29	19 / 216
2014	+8.82%	+5.51%	+3.31	74 / 240
2013	+9.03%	-1.95%	+10.99	20 / 276
2012	+9.30%	+1.38%	+7.92	91 / 295
2011	+9.18%	-3.16%	+12.34	45 / 317
2010	+5.45%	-5.78%	+11.23	55 / 377
2009	+5.60%	-12.86%	+18.45	194 / 713
2008	+9.36%	-2.02%	+11.38	49 / 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

+8.14%

105 windows

min 4.6% · max 11.9%

100% positive

3-Year rolling

+8.22%

80 windows

min 6.7% · max 9.3%

100% positive

5-Year rolling

+8.34%

56 windows

min 7.6% · max 9.0%

100% positive

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

7-Year rolling

+8.15%

32 windows

min 8.0% · max 8.4%

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

0.45%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.08%

Jul 2014 → Jul 2014

% positive months

100.0%

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	₹2,090.5416
18 May 2017	₹2,090.2174
17 May 2017	₹2,089.8931
16 May 2017	₹2,089.5683
15 May 2017	₹2,089.2431
12 May 2017	₹2,088.2939
11 May 2017	₹2,087.9736
9 May 2017	₹2,087.3308
8 May 2017	₹2,087.0040
5 May 2017	₹2,086.0416

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 -Growth Option 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 -Growth Option 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 -Growth Option 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 -Growth Option has delivered a absolute return of 6.67% — +19.76 pp ahead of the Income category average of -13.09%. The fund ranks #273 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Principal Ultra Short Term Fund -Reg plan -Growth Option has delivered a CAGR of 7.87% — +18.88 pp ahead of the Income category average of -11.01%. The fund ranks #57 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Principal Ultra Short Term Fund -Reg plan -Growth Option has delivered a CAGR of 8.43% — +15.8 pp ahead of the Income category average of -7.36%. The fund ranks #37 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in Principal Ultra Short Term Fund -Reg plan -Growth Option exactly 5 years ago would be worth approximately ₹149,906 today — a multiplier of 1.50×, based on the 5-year CAGR of 8.43%. 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 -Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹734,315 today. That's an XIRR (money-weighted annualised return) of 8.01%.

Principal Ultra Short Term Fund -Reg plan -Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,128,301 — XIRR 8.29%.

On a 5-year basis, Principal Ultra Short Term Fund -Reg plan -Growth Option ranks #37 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 8.43%.

The worst peak-to-trough decline Principal Ultra Short Term Fund -Reg plan -Growth Option has experienced over the last 5-year window is 0.41% — its NAV fell from a high on 15 Jul 2013 to a low on 24 Jul 2013. 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 -Growth Option averaged 8.34% (best 9.01%, worst 7.60%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 2.46 — strong risk-adjusted performance.

In calendar year 2016, Principal Ultra Short Term Fund -Reg plan -Growth Option returned 7.65% — beating the Income category average of 3.02% by 4.63 pp. It ranked #43 of 181 in its category that year.

Principal Ultra Short Term Fund -Reg plan -Growth Option 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 -Growth Option 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: 0.4%. 5-year CAGR: 8.43%.

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