Sharpe ratio
-0.04Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+5.99%1Y Absolute Return
+0.03%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Franklin India Floating Rate Fund - Direct - GrowthFund 5Y annualised return | ₹8,72,200 | ₹7,32,612 | ₹1,39,588 | +7.21% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.9 yrs
Fund information
Scheme code118508
ISININF090I01LK1
BenchmarkNIFTY SD Debt Index A-II
CategoryDebt Scheme - Floater Fund
Expense ratio0.39%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
10th / 100 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.82% | — | — |
| 3M | +3.89% | — | — |
| 6M | +5.97% | — | — |
| 1Y | +5.99% | — | +3.13% |
| 3Y | +7.98% | — | +4.47% |
| 5Y | +7.21% | — | +3.97% |
| 10Y | +6.91% | — | — |
| Since Launch | +7.07% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-0.08Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
0.84%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
5.49How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Cash66.59%
Debt33.41%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 19 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Cash Margin | Unspecified | Cash Margin | 62.7987% |
| STATE DEVELOPMENT LOAN 37054 CHT 11FB36 7.59 FV RS 100 | Unspecified | State Development Loan | 9.2851% |
| STATE DEVELOPMENT LOAN 37161 MH 04MR34 7.33 FV RS 100 | Unspecified | State Development Loan | 9.1708% |
| STATE DEVELOPMENT LOAN 37154 KAR 04SP33 7.31 FV RS 100 | Unspecified | State Development Loan | 9.1683% |
| REC LIMITED SR 231A 7.64 BD 30AP27 FVRS1LAC | Financial | Non Convertible Debenture | 9.1088% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 8.8152% |
| HDFC BANK LIMITED CD 12MAR27 | Financial | Certificate of Deposit | 8.558% |
| National Bank For Agriculture and Rural Development (17/03/2027) ** # | Financial | Certificate of Deposit | 8.5478% |
| JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC | Consumer Staples | Debenture | 8.401% |
| JUBILANT BEVERAGES LIMITED NCD 31MY28 FVRS1LAC | Consumer Staples | Debenture | 8.1129% |
Fund management
RO
Rohan Maru
Since 2024 · Prior to joining Franklin India Mutual Fund, he has worked with ICICI Prudential Mutual Fund, Kotak Mahindra AMC as Fixed Income Dealer and Integreon Managed Solutions as a Research Associate.
Mr. Maru is M.Com and MBA in Finance.
PA
Pallab Roy
Since 2012 · He has been associated with Franklin Templeton Investments since 2001.
Mr. Roy is a M.Com and MBA (Finance).
SA
Sandeep Manam
Since 2021 · Prior to joining Franklin Templeton Asset Management (India) Pvt. Ltd., he has worked with Cognizant Technology Solutions, Shapoorji Pallonji & Company Private Limited.
Mr. Manam is a PGDM (IIM-Ahmedabad), B.Tech (Electronics & Communication Engg.)- National Institute of Technology Calicut
Compare similar funds
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Summary
A moderate-risk debt scheme - floater fund. Losses and swings stayed contained — worst fall -1.3%, volatility 0.8%. Top 10 holdings make up 142% — a handful of stocks can swing returns sharply.
Strengths
- Losses and swings stayed contained — worst fall -1.3%, volatility 0.8%.
- Recovered from its worst fall in 1 months.
- Same fund manager for 14+ years — the strategy has not chopped and changed.
- Ranks 10 of 100 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 142% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 142% of the portfolio.
- Unspecified makes up 95% — trouble in that sector hits the whole fund.