Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansFranklin India Retirement Fund · Regular · Growth
Franklin Templeton Mutual Fund
NAV
₹215.0952
as of 29 Sept 2026
Expense Ratio
2.24%
AUM
₹495 Cr
Lumpsum returns (CAGR)
- 1Y
- -1.17%
- 3Y
- +6.40%
- 5Y
- +6.07%
- Since Inception
- +10.93%
SIP returns (XIRR)
- 1Y
- -2.40%
- 3Y
- +2.52%
- 5Y
- +5.54%
- Since Inception
- +10.03%
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 (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,53,529 today — ₹6,00,000 invested, 6.9% XIRR.
₹6,00,000
Invested
₹8,53,529
Value today
6.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,94,857 today (6.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹10,95,044.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹8,53,529 in this fund vs ₹10,04,672 in the benchmark — underperformance of ₹1,60,792.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,82,427 today (1.82×).
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-0.60
Sharpe Ratio
-0.02
Alpha
0.21
Beta
-0.60
Sortino
5.19%
Std Dev
-6.12%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks7.95%
- Pharmaceuticals & Biotechnology1.87%
- Consumer Durables1.87%
- Automobiles1.80%
- Retailing1.78%
- Aerospace & Defense1.55%
- Healthcare Services1.44%
- Petroleum Products1.36%
- Financial Technology (Fintech)1.35%
- IT - Software1.30%
- Telecom - Services1.29%
- Construction1.24%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 17.48% National Bank For Agriculture & Rural Development (15-Sep-2028)9.77%
- 20.00% Jubilant Bevco Ltd (31-May-2028) **6.06%
- 37.68% Small Industries Development Bank Of India (10-Aug-2027)5.25%
- 47.90% Bajaj Housing Finance Ltd (28-Apr-2028) **5.22%
- 57.70% Poonawalla Fincorp Ltd (21-Apr-2028) **5.18%
- 67.90% Lic Housing Finance Ltd (23-Jun-2027) **5.16%
- 77.03% National Bank For Financing Infrastructure And Development (08-Apr-2030) **5.11%
- 80.00% Jubilant Beverages Ltd (31-May-2028) **4.03%
- 9Canara Bank (30-Nov-2026)3.00%
- 107.66% Maharashtra Sdl (04-Mar-2047)2.20%
What this fund does
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 ₹495 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 2.24%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach