Franklin India Retirement Fund · Regular · Growth
Franklin Templeton Mutual Fund
NAV
₹220.5363
as of 03 Aug 2026
Expense Ratio
2.28%
AUM
₹490 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.04%
- 3Y
- +7.91%
- 5Y
- +7.14%
- Since Inception
- +11.09%
SIP returns (XIRR)
- 1Y
- +2.26%
- 3Y
- +4.75%
- 5Y
- +6.94%
- Since Inception
- +10.24%
Returns calculated from 03 March 1997 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Aug 2016 – Aug 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Aug 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,75,070 today — ₹5,95,000 invested, 7.6% XIRR.
₹5,95,000
Invested
₹8,75,070
Value today
7.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Aug 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,03,386 today (7.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹11,58,790.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹8,75,070 in this fund vs ₹11,17,052 in the benchmark — underperformance of ₹2,41,982.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Aug 2026) (22 Mar 2020) would be ₹1,87,042 today (1.87×).
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, annualised-0.48
Sharpe Ratio
-0.02
Alpha
0.20
Beta
-0.48
Sortino
5.45%
Std Dev
-6.12%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
portfolio shared with Franklin India Retirement Fund - Direct - IDCW
- 17.48% National Bank For Agriculture & Rural Development (15-Sep-2028)9.66%
- 26.94% Goi 2036 (11-May-2036)7.11%
- 30.00% Jubilant Bevco Ltd (31-May-2028) **5.98%
- 47.68% Small Industries Development Bank Of India (10-Aug-2027) **5.17%
- 57.90% Bajaj Housing Finance Ltd (28-Apr-2028) **5.14%
- 67.70% Poonawalla Fincorp Ltd (21-Apr-2028) **5.10%
- 77.03% National Bank For Financing Infrastructure And Development (08-Apr-2030) **5.09%
- 87.90% Lic Housing Finance Ltd (23-Jun-2027) **5.07%
- 90.00% Jubilant Beverages Ltd (31-May-2028) **3.99%
- 10Hdfc Bank Ltd2.90%
Investment Objective
Franklin India Retirement Fund · Regular · Growth by Franklin Templeton Mutual Fund is a Retirement Fund 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 Retirement Fund category.
About This Fund
Franklin India Retirement Fund · Regular · Growth is a Retirement Fund mutual fund offered by Franklin Templeton Mutual Fund. The fund has been operational for over 29 years. It manages assets worth ₹490 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Short Term Debt Hybrid 60+40 Index. The current expense ratio is 2.28%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations