Franklin India Banking & PSU Debt Fund - Growth
Franklin Templeton Mutual Fund
₹23.5870
₹0.01 (+0.03%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹23.5870
₹0.01 (+0.03%)
29 May 2026
AMFI: 129006
Direct · Growth
₹₹24.7102
₹0.01 (+0.03%)
29 May 2026
AMFI: 129008
Regular · IDCW
₹₹10.8973
₹0.00 (+0.03%)
29 May 2026
AMFI: 129007
Direct · IDCW
₹₹11.5264
₹0.00 (+0.03%)
29 May 2026
AMFI: 129009
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹100/month became
Real NAV backtest from day one
₹14,500
Invested
₹22,256
Value today
6.8%
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
₹11,794
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
₹7,25,000
Withdrawn
₹12,45,899
Corpus left
+₹9,70,899 net gain — withdrew ₹7,25,000 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
₹1,48,432
Value today
1.5×
Multiple
Staying invested through that crash turned ₹1L into ₹1,48,432 — a 1.5× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹87,040
Regular plan
₹85,416
Direct earns ₹1,624 more on a ₹60K investment — 0.27% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised0.45
Sharpe Ratio
—
Alpha
—
Beta
0.48
Sortino
1.24%
Std Dev
-0.64%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
0.00% REC Ltd (03-Nov-2034) ** INE020B08FJ3 | 7.11% |
7.66% Maharashtra SDL (04-Mar-2047) IN2220250509 | 6.53% |
7.66% Maharashtra SDL (04-Mar-2047) IN2220250509 | 6.45% |
7.56% India Infrastructure Finance Co Ltd (20-Mar-2028) ** INE787H08188 | 6.43% |
7.56% India Infrastructure Finance Co Ltd (20-Mar-2028) ** INE787H08188 | 6.39% |
7.48% Housing & Urban Development Corporation Ltd (20-Aug-2026) ** INE031A08889 | 5.57% |
7.50% National Bank For Agriculture & Rural Development (31-Aug-2026) ** INE261F08EA6 | 5.55% |
7.50% National Bank For Agriculture & Rural Development (31-Aug-2026) ** INE261F08EA6 | 5.51% |
6.90% Housing & Urban Development Corporation Ltd (23-Apr-2032) ** INE031A08962 | 5.44% |
7.65% Axis Bank Ltd (30-Jan-2027) ** INE238A08468 | 5.39% |
0.00% REC Ltd (03-Nov-2034) INE020B08FJ3 | 5.36% |
7.65% Axis Bank Ltd (30-Jan-2027) ** INE238A08468 | 5.36% |
7.24% Power Finance Corporation Ltd (17-Feb-2031) ** INE134E08NZ6 | 5.27% |
Union Bank of India (01-Jun-2026) ** INE692A16KH8 | 5.26% |
7.24% Power Finance Corporation Ltd (17-Feb-2031) ** INE134E08NZ6 | 5.25% |
Small Industries Development Bank of India (04-Dec-2026) ** INE556F16BS0 | 5.07% |
Small Industries Development Bank of India (04-Dec-2026) ** INE556F16BS0 | 5.04% |
Bank of Baroda (06-Jan-2027) ** INE028A16KX2 | 5.04% |
ICICI Bank Ltd (27-Jan-2027) ** INE090AD6279 | 5.02% |
Bank of Baroda (06-Jan-2027) ** INE028A16KX2 | 5.01% |
ICICI Bank Ltd (27-Jan-2027) ** INE090AD6279 | 4.99% |
6.90% GOI 2065 (15-Apr-2065) $ ~~ IN0020250018 | 4.91% |
7.38% Power Finance Corporation Ltd (15-Jan-2032) ** INE134E08NM4 | 4.23% |
7.38% Power Finance Corporation Ltd (15-Jan-2032) ** INE134E08NM4 | 4.22% |
HDFC Bank Ltd (22-Jan-2027) ** INE040A16IK8 | 4.02% |
National Bank For Agriculture & Rural Development (22-Jan-2027) INE261F16AF6 | 4.02% |
National Bank For Agriculture & Rural Development (22-Jan-2027) ** INE261F16AF6 | 3.99% |
HDFC Bank Ltd (22-Jan-2027) ** INE040A16IK8 | 3.99% |
Union Bank of India (12-Mar-2027) INE692A16LU9 | 2.99% |
0.00% Jubilant Beverages Ltd (31-May-2028) ** INE1D4O08012 | 2.64% |
0.00% Jubilant Beverages Ltd (31-May-2028) ** INE1D4O08012 | 2.63% |
7.59% National Housing Bank (14-Jul-2027) ** INE557F08FY4 | 2.27% |
7.59% National Housing Bank (14-Jul-2027) ** INE557F08FY4 | 2.25% |
7.73% Andhra Pradesh SDL (23-Mar-2032) IN1020220746 | 2.15% |
7.62% Punjab SDL (28-Jan-2033) IN2820250164 | 2.14% |
7.73% Andhra Pradesh SDL (23-Mar-2032) IN1020220746 | 2.14% |
7.68% Small Industries Development Bank Of India (10-Aug-2027) ** INE556F08KP4 | 2.14% |
7.62% Punjab SDL (28-Jan-2033) IN2820250164 | 2.13% |
7.68% Small Industries Development Bank Of India (10-Aug-2027) ** INE556F08KP4 | 2.12% |
Bank of Baroda (04-Feb-2027) ** INE028A16LF7 | 2.00% |
Bank of Baroda (04-Feb-2027) ** INE028A16LF7 | 1.99% |
6.90% GOI 2065 (15-Apr-2065) IN0020250018 | 1.96% |
0.00% Indian Railway Finance Corporation Ltd (01-Dec-2035) ** INE053F08536 | 1.66% |
7.65% Bihar SDL (24-DEC-2033) IN1320250211 | 1.35% |
7.65% Bihar SDL (24-DEC-2033) IN1320250211 | 1.35% |
0.00% Jubilant Bevco Ltd (31-May-2028) ** INE1D4P08019 | 1.26% |
0.00% Jubilant Bevco Ltd (31-May-2028) ** INE1D4P08019 | 1.25% |
7.22% National Housing Bank (23-Jul-2026) ** INE557F08FR8 | 1.12% |
7.78% HDFC Bank Ltd (27-Mar-2027) ** INE040A08567 | 1.07% |
7.78% HDFC Bank Ltd (27-Mar-2027) ** INE040A08567 | 1.06% |
Performance Comparison
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Investment Objective
Franklin India Banking & PSU Debt Fund - 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 & PSU Debt Fund - 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