Sharpe ratio
0.50Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+0.00%1Y Absolute Return
-0.19%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 Retirement Fund - Direct - GrowthFund 5Y annualised return | ₹8,70,251 | ₹7,32,612 | ₹1,37,639 | +7.12% |
| 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₹1.10
₹1 Lakh since launch₹1.10 Lakh
Fund age13.9 yrs
Fund information
Scheme code118548
ISININF090I01JZ3
BenchmarkCRISIL Short Term Debt Hybrid 60+40 Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.55%
Exit loadExit load of 3% if redeemed before the age of 58 yrs.
Minimum SIP₹500 SIP
Return comparison
106th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +43.31% | — | — |
| 3M | +0.40% | — | — |
| 6M | +6.56% | — | — |
| 1Y | +0.00% | — | +1.16% |
| 3Y | +7.96% | — | +8.74% |
| 5Y | +7.12% | — | +7.27% |
| 10Y | +8.05% | — | — |
| Since Launch | +9.61% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.70Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
5.57%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
0.70How 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
Allocation data has not been disclosed.
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 61 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC | Financial | Bonds | 9.6992% |
| INDIAN BANK CD 06NOV26 | Financial | Certificate of Deposit | 6.9489% |
| JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC | Consumer Staples | Debenture | 5.9993% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR IX 7.68 BD 10AG27 FVRS1LAC | Financial | Debenture | 5.2008% |
| BAJAJ HOUSING FINANCE LIMITED 7.90 NCD 28AP28 FVRS10LAC | Financial | Debenture | 5.1787% |
| POONAWALLA FINCORP LIMITED SR A2 7.70 NCD 21AP28 FVRS1LAC | Financial | Non Convertible Debenture | 5.1305% |
| 7.90% LIC Housing Finance Ltd NCD 23-06-2027 | Financial | Bonds | 5.1123% |
| NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT SR NABFID2026-1 TR I 7.03 BD 08AP30 FVRS1LAC | Financial | Bonds | 5.0948% |
| JUBILANT BEVERAGES LIMITED NCD 31MY28 FVRS1LAC | Consumer Staples | Debenture | 4.0049% |
| Canara Bank (30/11/2026) ** # | Financial | Certificate of Deposit | 2.965% |
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
PA
Pallab Roy
Since 2024 · He has been associated with Franklin Templeton Investments since 2001.
Mr. Roy is a M.Com and MBA (Finance).
AJ
Ajay Argal
Since 2024 · Prior to joining Franklin Templeton Asset Management (India) Pvt. Ltd., he has worked with Baring Asset Management (Asia) Ltd., Aditya Birla Sunlife Mutual Fund and UTI AMC where he handled various aspects of investments function including managing offshore funds, equity funds, balanced funds, equity research & equity dealing.
Mr. Argal is a B.Tech from (IIT,Mumbai) & PGDM (IIM,Bangalore).
RA
Rajasa Kakulavarapu
Since 2021 · Prior to joining Franklin Templeton Mutual Fund, she has worked with Jefferies India Pvt. Ltd. and Credit Suisse Securities (India) Pvt. Ltd.
Ms. Kakulavarapu has done B.Tech and MBA.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk solution oriented scheme - retirement fund. Losses and swings stayed contained — worst fall -13.8%, volatility 5.6%. Trailing its category average over 3Y by 0.8 points.
Strengths
- Losses and swings stayed contained — worst fall -13.8%, volatility 5.6%.
- Well spread out — top 10 holdings are only 16% of the portfolio.
- Same fund manager for 5+ years — the strategy has not chopped and changed.
Weaknesses
- Trailing its category average over 3Y by 0.8 points.
- Ranks 106 of 106 in its category over 1 year.
Ideal investor
- Needs a 3+ years horizon to ride out its moderately high risk level.
Risk drivers
- None