Franklin India Banking and PSU Debt Fund · Regular · Growth
Franklin Templeton Mutual Fund
NAV
₹24.1400
as of 30 Sept 2026
Expense Ratio
0.47%
AUM
₹534 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.80%
- 3Y
- +7.12%
- 5Y
- +6.09%
- Since Inception
- +7.35%
SIP returns (XIRR)
- 1Y
- +5.71%
- 3Y
- +6.75%
- 5Y
- +6.70%
- Since Inception
- +6.86%
What history actually did — last 10 years (Oct 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,33,798 today — ₹5,95,000 invested, 6.7% XIRR.
₹5,95,000
Invested
₹8,33,798
Value today
6.7%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Oct 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,94,148 today (6.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2016 would still hold ₹11,07,684.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Oct 2016 – Sept 2026) (22 Mar 2020) would be ₹1,51,912 today (1.52×).
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, annualised0.26
Sharpe Ratio
—
Alpha
—
Beta
0.27
Sortino
1.22%
Std Dev
-0.64%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 17.66% Maharashtra Sdl (04-Mar-2047)5.65%
- 27.56% India Infrastructure Finance Co Ltd (20-Mar-2028) **5.51%
- 37.70% National Bank For Agriculture & Rural Development (30-Sep-2027) **4.73%
- 47.65% Axis Bank Ltd (30-Jan-2027) **4.61%
- 5Mahindra & Mahindra Financial Services Ltd (3m Tbill + 210bps) (18-May-2029) ** $4.49%
- 6Hdfc Bank Ltd (19-Nov-2026) **4.35%
- 7Indian Bank (04-Dec-2026)4.34%
- 8Small Industries Development Bank Of India (04-Dec-2026) **4.34%
- 9Bank Of Baroda (06-Jan-2027) **4.31%
- 10Kotak Mahindra Bank Ltd (08-Jan-2027)4.31%
What this fund does
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%.