Franklin India Retirement Fund - Growth
Franklin Templeton Mutual Fund
₹214.3457
₹0.72 (-0.33%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹214.3457
₹0.72 (-0.33%)
29 May 2026
AMFI: 100536
Direct · Growth
₹₹236.4573
₹0.78 (-0.33%)
29 May 2026
AMFI: 118548
Regular · IDCW
₹₹16.2746
₹0.05 (-0.33%)
29 May 2026
AMFI: 100535
Direct · IDCW
₹₹17.9869
₹0.06 (-0.33%)
29 May 2026
AMFI: 118549
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,75,000
Invested
₹9,84,885
Value today
10.2%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹500 lumpsum at launch — value today
Invested on the fund's first NAV date
₹500
Invested
₹10,717
Value today
11.1%
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
₹17,50,000
Withdrawn
₹1,15,85,715
Corpus left
+₹1,23,35,715 net gain — withdrew ₹17,50,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹1,19,78,688
Value today
-6.9%
vs lumpsum
Direct lumpsum would have beaten STP by 6.9% — but STP reduced timing risk
Model your own STP with real NAVThis fund trailed its benchmark
Top performers in Retirement Fund by 5Y CAGR
ICICI Prudential Retirement Fund - Pure Equity - Growth Option
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option
HDFC Retirement Savings Fund - Equity Plan - Growth Option
₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,81,792
Value today
1.8×
Multiple
Staying invested through that crash turned ₹1L into ₹1,81,792 — a 1.8× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 10 years
Expense ratio drag on your actual returns
Direct plan
₹92,246
Regular plan
₹88,288
Direct earns ₹3,958 more on a ₹60K investment — 0.66% 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, annualised-0.99
Sharpe Ratio
-0.04
Alpha
0.17
Beta
-0.95
Sortino
5.49%
Std Dev
-6.12%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
7.48% National Bank For Agriculture & Rural Development (15-Sep-2028) ** INE261F08EO7 | 9.64% |
7.48% National Bank For Agriculture & Rural Development (15-Sep-2028) INE261F08EO7 | 9.44% |
0.00% Jubilant Bevco Ltd (31-May-2028) ** INE1D4P08019 | 5.97% |
0.00% Jubilant Bevco Ltd (31-May-2028) ** INE1D4P08019 | 5.85% |
7.90% Bajaj Housing Finance Ltd (28-Apr-2028) ** INE377Y07417 | 5.55% |
7.70% Poonawalla Fincorp Ltd (21-Apr-2028) ** INE511C07847 | 5.49% |
7.90% LIC Housing Finance LTD (23-Jun-2027) ** INE115A07PV9 | 5.49% |
7.03% National Bank for Financing Infrastructure and Development (08-Apr-2030) ** INE0KUG08076 | 5.40% |
7.90% LIC Housing Finance LTD (23-Jun-2027) ** INE115A07PV9 | 5.39% |
7.68% Small Industries Development Bank Of India (10-Aug-2027) ** INE556F08KP4 | 5.18% |
7.68% Small Industries Development Bank Of India (10-Aug-2027) ** INE556F08KP4 | 5.08% |
7.90% Bajaj Housing Finance Ltd (28-Apr-2028) ** INE377Y07417 | 5.05% |
7.70% Poonawalla Fincorp Ltd (21-Apr-2028) ** INE511C07847 | 5.01% |
7.03% National Bank for Financing Infrastructure and Development (08-Apr-2030) ** INE0KUG08076 | 4.93% |
Union Bank of India (16-Mar-2027) ** INE692A16LS3 | 4.82% |
Union Bank of India (16-Mar-2027) INE692A16LS3 | 4.74% |
6.90% GOI 2065 (15-Apr-2065) IN0020250018 | 4.47% |
0.00% Jubilant Beverages Ltd (31-May-2028) ** INE1D4O08012 | 3.97% |
0.00% Jubilant Beverages Ltd (31-May-2028) ** INE1D4O08012 | 3.89% |
0.00% REC Ltd (03-Nov-2034) ** INE020B08FJ3 | 2.89% |
HDFC Bank Ltd INE040A01034 | 2.80% |
HDFC Bank Ltd INE040A01034 | 2.72% |
8.75% Bharti Telecom Ltd (05-Nov-2028) ** INE403D08256 | 2.17% |
0.00% REC Ltd (03-Nov-2034) INE020B08FJ3 | 2.15% |
8.75% Bharti Telecom Ltd (05-Nov-2028) ** INE403D08256 | 2.13% |
7.66% Maharashtra SDL (04-Mar-2047) IN2220250509 | 2.13% |
7.66% Maharashtra SDL (04-Mar-2047) IN2220250509 | 2.10% |
ICICI Bank Ltd INE090A01021 | 2.09% |
ICICI Bank Ltd INE090A01021 | 2.04% |
Reliance Industries Ltd INE002A01018 | 2.02% |
6.90% GOI 2065 (15-Apr-2065) IN0020250018 | 2.01% |
Reliance Industries Ltd INE002A01018 | 1.94% |
State Bank of India INE062A01020 | 1.72% |
Axis Bank Ltd INE238A01034 | 1.71% |
Bharti Airtel Ltd INE397D01024 | 1.71% |
Larsen & Toubro Ltd INE018A01030 | 1.66% |
Bharti Airtel Ltd INE397D01024 | 1.65% |
State Bank of India INE062A01020 | 1.62% |
Axis Bank Ltd INE238A01034 | 1.61% |
Larsen & Toubro Ltd INE018A01030 | 1.48% |
Infosys Ltd INE009A01021 | 1.46% |
Infosys Ltd INE009A01021 | 1.35% |
HCL Technologies Ltd INE860A01027 | 1.13% |
NTPC Ltd INE733E01010 | 1.12% |
8.3774% Kotak Mahindra Investments Ltd (21-Jun-2027) ** INE975F07IR8 | 1.11% |
8.3774% Kotak Mahindra Investments Ltd (21-Jun-2027) ** INE975F07IR8 | 1.09% |
NTPC Ltd INE733E01010 | 1.07% |
Eternal Ltd INE758T01015 | 0.99% |
HCL Technologies Ltd INE860A01027 | 0.99% |
Ultratech Cement Ltd INE481G01011 | 0.96% |
Performance Comparison
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Investment Objective
Franklin India Retirement Fund - 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 - 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 ₹506 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