Franklin India Banking and PSU Debt Fund · Regular · Growth
Franklin Templeton Mutual Fund
NAV
₹23.7265
as of 17 Jun 2026
Expense Ratio
0.47%
AUM
₹479 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.59%
- 3Y
- +7.08%
- 5Y
- +6.00%
- Since Inception
- +7.37%
SIP returns (XIRR)
- 1Y
- +5.51%
- 3Y
- +6.92%
- 5Y
- +6.69%
- Since Inception
- +6.89%
SIP since inception — what ₹100/month became
Real NAV backtest from day one
₹14,600
Invested
₹22,452
Value today
6.9%
XIRR (p.a.)
₹100/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹5,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹5,000
Invested
₹11,844
Value today
7.4%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹7,30,000
Withdrawn
₹12,46,228
Corpus left
+₹9,76,228 net gain — withdrew ₹7,30,000 AND corpus grew
Plan your SWP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,49,069
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,49,069 — a 1.5× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised0.58
Sharpe Ratio
—
Alpha
—
Beta
0.60
Sortino
1.25%
Std Dev
-0.64%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 17.66% Maharashtra Sdl (04-Mar-2047)6.53%
- 27.56% India Infrastructure Finance Co Ltd (20-Mar-2028) **6.43%
- 37.48% Housing & Urban Development Corporation Ltd (20-Aug-2026) **5.57%
- 47.50% National Bank For Agriculture & Rural Development (31-Aug-2026) **5.55%
- 57.65% Axis Bank Ltd (30-Jan-2027) **5.39%
- 60.00% Rec Ltd (03-Nov-2034)5.36%
- 77.24% Power Finance Corporation Ltd (17-Feb-2031) **5.27%
- 8Union Bank Of India (01-Jun-2026) **5.26%
- 9Small Industries Development Bank Of India (04-Dec-2026) **5.07%
- 10Bank Of Baroda (06-Jan-2027) **5.04%
Investment Objective
Franklin India Banking and PSU Debt Fund · Regular · Growth by Franklin Templeton Mutual Fund is a Banking & PSU Debt fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Banking & PSU Debt category.
About This Fund
Franklin India Banking and PSU Debt Fund · Regular · Growth is a Banking & PSU Debt mutual fund offered by Franklin Templeton Mutual Fund. The fund has been operational for over 13 years. It manages assets worth ₹479 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Banking & PSU Debt Index A-II. The current expense ratio is 0.47%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations