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Franklin India Short Term Income Plan - Retail Plan download report

Debt: Short Duration

1 Lakh

Investment Grown to
₹ 1.19 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.27 Lakh


"Short Duration debt funds invest mainly in bonds maturing in a period of one to three years. They are suitable for investment horizons of one to three years, or for the fixed-income allocation in your longer-term portfolio. You can expect to earn higher returns than what a bank fixed deposit can fetch.

The risk of incurring a loss in these funds is low, but they do not guarantee returns or safety of capital like a bank deposit. There have been instances when short duration funds have incurred losses.

Remember, their returns may not be substantially higher than inflation. They are meant to deliver steady, but low to moderate returns and are not suitable to build wealth in the long run."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.


  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Franklin India ST Income Ret-G 7.21 0.03 0.39 0.65 2.00 6.52 19.05 5.39 6.18 6.98 7.93
CCIL T Bill Liquidity Weight 1.28 0.06 0.07 0.30 0.76 1.05 2.05 2.60 3.27 3.64 4.21
Debt: Short Duration 1.87 0.01 0.19 0.60 1.31 1.47 3.83 5.60 5.48 6.36 7.17

As on 12-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Franklin India Short Term Income Plan - Retail Plan  | Invest Online Now
Jan-02 19.05 5.39 6.18 0.04 578
ICICI Prudential Short Term Fund  | Invest Now
4 star
Oct-01 3.62 6.53 6.53 1.12 15,543
HDFC Short Term Debt Fund  | Invest Online
4 star
Jun-10 2.94 6.50 6.89 0.74 13,533
Nippon India Short Term Fund  | Invest Online
4 star
Dec-02 2.79 6.06 6.17 1.15 6,681
Axis Short Term Fund
4 star
Jan-10 3.10 6.12 6.52 0.96 6,499

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 6.78 27-Sep-2021 - 04-Oct-2021 -4.93 24-Aug-2020 - 31-Aug-2020
Month 8.68 30-Aug-2021 - 29-Sep-2021 -6.11 20-Feb-2020 - 23-Mar-2020
Quarter 10.77 06-Jul-2021 - 05-Oct-2021 -8.26 24-Dec-2019 - 24-Mar-2020
Year 20.81 30-Sep-2020 - 30-Sep-2021 -12.25 30-Aug-2019 - 31-Aug-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Franklin India ST Income Ret-G 5.48 8.40 0.24 0.34 -8.40 -5.52
CCIL T Bill Liquidity Weight 2.60 0.34 -2.61 -4.87 -- --
Debt: Short Duration 5.59 2.81 0.96 1.95 1.26 3.23

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Jul-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 7 19 7 47
Modified Duration (yrs) 1.68 2.32 1.17 1.50
Average Maturity (yrs) 1.96 3.05 1.40 1.89
Yield to Maturity (%) 9.00 11.98 6.77 6.76
Avg Credit Rating AA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 10.32% Andhra Pradesh Capital Region Development Authority 16/08/2025 Debenture A+ 20.20 - 44.05 40.10
equal 10.32% Andhra Pradesh Capital Region Development Authority 16/08/2024 Debenture A+ 19.06 - 41.47 38.28
up SBI Overnight Direct-G Mutual Fund -- 2.74 - 86.62 12.67
down 10.32% Andhra Pradesh Capital Region Development Authority 16/08/2026 Debenture A+ 3.87 - 8.46 6.68
equal 13.40% Future Ideas 31/01/2023 Debenture D 0.00 - 0.00 0.00
equal 12.25% Rivaaz Trade Ventures 31/12/2023 Debenture D 0.00 - 0.00 0.00
equal 12.25% Rivaaz Trade Ventures 30/12/2022 Debenture D 0.00 - 0.00 0.00

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Jul-2022

Fund Manager

— Kunal Agrawal since 15-Apr-2014

Education: Mr. Agrawal is a B.Tech from IIT Delhi and PGDM from IIM C.

Experience: Prior to joining Franklin India AMC he has worked with Credits- Portfolio Management, CRISIL Ltd., IBM Ltd. & Infosys Ltd.

Funds Managed:

— Santosh Kamath since 15-Apr-2014

Education: Mr. Kamath is a B.E ( Electronics ) from REC Bhopal and PGDM (Management) from XLRI Jamshedpur.

Experience: Prior to joining Franklin Templeton Investments he has worked with ING Vysya AMC, Zurich Asset Management, SBI Mutual, CRISIL and Jardine Fleming Asset Management.


Funds Managed:


Change from previous, NAV as on 12-Aug-2022

Growth: ₹ 4,754.6639

IDCW Weekly: ₹ 1,201.7142


IDCW Quarterly: ₹ 1,380.2322

IDCW Monthly: ₹ 1,326.7520

Investment Strategy

The scheme aims to generate stable returns by investing in fixed income securities with shorter maturity periods likely to be less than three years. , the average maturity of the portfolio of the scheme is likely to be between 4 months and 12 months, and the maturity of individual securities in the scheme is likely to be less than 3 years.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 5,000
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 1,000
Min. Balance (₹) 1,000
Lock-in Period Not Applicable
Exit Load For units in excess of 10% of the investment,0.5% will be charged for redemption within 365 days

Basic Details

Fund House: Franklin Templeton Mutual Fund
Launch Date: 31-Jan-2002
Return Since Launch: 7.89%
Benchmark: CRISIL Short-Term Bond Index
Riskometer: High
Type: Open-ended
Assets: ₹ 578 Cr (As on 31-Jul-2022)
Expense Ratio: 0.04% (As on 31-Mar-2022)
Risk Grade: --
Return Grade: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly17-Apr-20205.4000

IDCW Quarterly20-Mar-202015.8471

IDCW Weekly28-Feb-20200.0692


Contact Information

AMC: Franklin Templeton Asset Management India Private Ltd

Address: Unit No.202/203/204, 2nd Floor Dalamal Tower, Plot No. 211 Free Press Journal Marg, Nariman Point Mumbai - 400013

Phone: 1800-425-4255 / 60004255

Website: http://www.franklintempletonindia.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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