Franklin India Banking and PSU Debt Fund · Regular · Growth
Franklin Templeton Mutual Fund
NAV
₹23.9875
as of 31 Jul 2026
Expense Ratio
0.47%
AUM
₹534 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.91%
- 3Y
- +7.22%
- 5Y
- +6.14%
- Since Inception
- +7.39%
SIP returns (XIRR)
- 1Y
- +6.28%
- 3Y
- +7.10%
- 5Y
- +6.83%
- Since Inception
- +6.93%
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,37,884 today — ₹5,95,000 invested, 6.7% XIRR.
₹5,95,000
Invested
₹8,37,884
Value today
6.7%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,95,834 today (7.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹11,20,455.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,50,952 today (1.51×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.78
Sharpe Ratio
—
Alpha
—
Beta
0.82
Sortino
1.26%
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)5.47%
- 27.56% India Infrastructure Finance Co Ltd (20-Mar-2028) **5.30%
- 37.65% Axis Bank Ltd (30-Jan-2027) **4.42%
- 47.44% National Bank For Agriculture & Rural Development (17-Jul-2029)4.40%
- 5Mahindra & Mahindra Financial Services Ltd ** $4.34%
- 6Canara Bank (15-Sep-2026) **4.23%
- 7Hdfc Bank Ltd (19-Nov-2026) **4.17%
- 8Indian Bank (04-Dec-2026) **4.16%
- 9Small Industries Development Bank Of India (04-Dec-2026) **4.16%
- 10Bank Of Baroda (06-Jan-2027) **4.14%
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 ₹534 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