Franklin India Retirement Fund · Regular · Growth
Franklin Templeton Mutual Fund
NAV
₹217.0686
as of 17 Jun 2026
Expense Ratio
2.28%
AUM
₹506 Cr
Lumpsum returns (CAGR)
- 1Y
- -0.55%
- 3Y
- +8.25%
- 5Y
- +7.06%
- Since Inception
- +11.08%
SIP returns (XIRR)
- 1Y
- -0.75%
- 3Y
- +4.53%
- 5Y
- +6.67%
- Since Inception
- +10.22%
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 —.
This fund trailed its benchmark
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SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹1,75,500
Invested
₹9,82,515
Value today
10.1%
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
₹10,686
Value today
11.0%
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
₹17,55,000
Withdrawn
₹1,15,46,945
Corpus left
+₹1,23,01,945 net gain — withdrew ₹17,55,000 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
₹1,19,43,771
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 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
₹1,81,262
Value today
1.8×
Multiple
Staying invested through that crash turned ₹1L into ₹1,81,262 — a 1.8× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.82
Sharpe Ratio
-0.04
Alpha
0.19
Beta
-0.79
Sortino
5.52%
Std Dev
-6.12%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 17.48% National Bank For Agriculture & Rural Development (15-Sep-2028)9.44%
- 20.00% Jubilant Bevco Ltd (31-May-2028) **5.85%
- 37.90% Lic Housing Finance Ltd (23-Jun-2027) **5.39%
- 47.68% Small Industries Development Bank Of India (10-Aug-2027) **5.08%
- 57.90% Bajaj Housing Finance Ltd (28-Apr-2028) **5.05%
- 67.70% Poonawalla Fincorp Ltd (21-Apr-2028) **5.01%
- 77.03% National Bank For Financing Infrastructure And Development (08-Apr-2030) **4.93%
- 8Union Bank Of India (16-Mar-2027)4.74%
- 90.00% Jubilant Beverages Ltd (31-May-2028) **3.89%
- 10Hdfc Bank Ltd2.80%
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 ₹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