Principal Short Term Debt Fund - Direct Plan - Income Distribution CUM Capital Withdrawal Plan - Monthly

Mutual Fund · Debt Scheme - Short Duration Fund · As of 18 Oct 2026, 6:49 pm

Middle-of-the-road. Nothing alarming, nothing exceptional in the numbers available here. A peer comparison within the same category will tell you more than this snapshot alone.

DalalBaazaar Score

40/ 100

Moderate

Weighted across five categories. Every point is explained below.

✗ Well behind the Nifty 50 over 5Y — 1.3% against 213.6%, which an index fund would have delivered at a fraction of the cost
• This fund's category (Debt Scheme - Short Duration Fund) is not what the Nifty 50 tracks, so the comparison below is indicative only — judge it against its own category benchmark.

Investment Checklist

2 / 3 checks passed

✗ Decent risk-adjusted return (Sharpe ≥ 0.5)
✓ Volatility isn't extreme (< 25% annualized)
✓ Historical worst drawdown contained (better than -30%)

NAV history

Key Metrics

Latest NAV

₹12.88

As of

30 Dec 2021

Fund History Available

9.0 yrs

5Y Return (CAGR)

1.3%

Annualized Volatility

5.3%

Relatively stable

Sharpe Ratio (est.)

-1.21

Weak risk-adj. return

Max Drawdown

-10.0%

Contained

Category Peer Comparison

Scheme	1Y Return
HSBC Short Duration Fund - Growth Direct	—
PGIM India Short Duration Fund - Direct Plan - Growth	—
JM Ultra Short Duration Fund - (Direct) - Growth Option	—
BOI AXA Ultra Short Duration Fund- Institutional Plan- Growth	—

SIP / Lumpsum Calculator

Total Invested

₹6,00,000

Estimated Maturity Value

₹6,20,193

Estimated Gain

₹20,193

Risk Flags

Estimated Sharpe ratio (-1.21) is on the low side — returns aren't compensating well for volatility taken over the trailing year.

Watch Items

Check the AMC's factsheet for portfolio holdings, expense ratio and exit load before investing.