Franklin India Banking and PSU Debt Fund · Regular · Growth
Franklin Templeton Mutual Fund
NAV
₹23.8764
as of 14 Jul 2026
Expense Ratio
0.47%
AUM
₹479 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.71%
- 3Y
- +7.15%
- 5Y
- +6.08%
- Since Inception
- +7.38%
SIP returns (XIRR)
- 1Y
- +5.93%
- 3Y
- +7.00%
- 5Y
- +6.77%
- Since Inception
- +6.91%
What history actually did — last 10 years (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,43,723 today — ₹6,00,000 invested, 6.7% XIRR.
₹6,00,000
Invested
₹8,43,723
Value today
6.7%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,96,426 today (7.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹11,20,540.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹1,50,253 today (1.50×).
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, annualised0.71
Sharpe Ratio
—
Alpha
—
Beta
0.74
Sortino
1.27%
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)5.33%
- 27.56% India Infrastructure Finance Co Ltd (20-Mar-2028) **5.22%
- 3Union Bank Of India (12-Mar-2027)4.85%
- 47.48% Housing & Urban Development Corporation Ltd (20-Aug-2026) **4.53%
- 57.50% National Bank For Agriculture & Rural Development (31-Aug-2026) **4.52%
- 67.65% Axis Bank Ltd (30-Jan-2027) **4.38%
- 77.38% Mahindra & Mahindra Financial Services Ltd (18-May-2029) ** $4.31%
- 8Union Bank Of India (01-Jun-2026)4.29%
- 9Indian Oil Corporation Ltd (12-Jun-2026) **@4.28%
- 10Canara Bank (15-Sep-2026) **4.19%
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