Sharpe ratio
0.13Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.25%1Y Absolute Return
+0.02%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 Government Securities Fund - Direct - GrowthFund 5Y annualised return | ₹8,32,649 | ₹7,32,612 | ₹1,00,037 | +5.33% |
| 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 code118498
ISININF090I01HS2
BenchmarkNIFTY All Duration G-Sec Index
CategoryDebt Scheme - Gilt Fund
Expense ratio0.64%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
10th / 139 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.50% | — | — |
| 3M | -2.13% | — | — |
| 6M | +4.17% | — | — |
| 1Y | +4.25% | — | +1.30% |
| 3Y | +6.17% | — | +3.90% |
| 5Y | +5.33% | — | +3.47% |
| 10Y | +5.33% | — | — |
| Since Launch | +6.89% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.19Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
2.69%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
0.54How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
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%
Cash62.60%
Debt37.40%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 18 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Net Current Assets | Unspecified | Net Current Assets | 46.8228% |
| STATE DEVELOPMENT LOAN 37162 MH 04MR47 7.66 FV RS 100 | Unspecified | State Development Loan | 20.6825% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 15.9777% |
| Cash/Net Current Assets | Unspecified | Cash/Net Current Assets | 15.7257% |
| 7.71% GOI 18-May-2066 | Entities | GOI Securities | 13.0262% |
| 7.73% Andhra Pradesh State Government Securities | Financial | State Development Loan | 10.4867% |
| STATE DEVELOPMENT LOAN 36998 PJB 28JN33 7.62 FV RS 100 | Unspecified | State Development Loan | 10.4571% |
| STATE DEVELOPMENT LOAN 31754 HAR 29JU32 7.86 FV RS 100 | Unspecified | State Development Loan | 6.8996% |
| STATE DEVELOPMENT LOAN 31430 RAJ 02MR32 7.17 FV RS 100 | Unspecified | State Development Loan | 3.4185% |
| STATE DEVELOPMENT LOAN 36849 BH 24DC33 7.65 FV RS 100 | Unspecified | State Development Loan | 2.1181% |
Fund management
AN
Anuj Tagra
Since 2024 · Prior to joining Franklin India Mutual Fund, he has worked with ICICI Prudential AMC, Union Bank of India and Fidelity Investments.
Mr. Anuj Tagra is a graduate of Guru Gobind Singh Indraprastha University and an MBA from Narsee Monjee Institute of Management Studies
RA
Rahul Goswami
Since 2023 · Prior to joining Franklin Templeton Mutual Fund, he has worked with ICICI Prudential AMC , UTI Bank Ltd. and Franklin Templeton Asset Management Pvt. Ltd.
Mr. Goswami is a B. Sc (Mathematics and MBA (Finance)
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Summary
A moderate-risk debt scheme - gilt fund. Ranks 10 of 139 in its category over 1 year. Top 10 holdings make up 146% — a handful of stocks can swing returns sharply.
Strengths
- Ranks 10 of 139 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 146% — a handful of stocks can swing returns sharply.
- Has fallen sharply before — down -12.7% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 146% of the portfolio.
- Unspecified makes up 107% — trouble in that sector hits the whole fund.