Franklin India Pension Fund - Direct Plan

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Value Research Rating

Unrated

Analyst’s Choice

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Riskometer

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Moderately High

₹210.2219 0.10%

As on 23-Feb-2024

Returns

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Calculate SIP Returns of Franklin India Pension Fund - Direct Plan

Upfront Investment

Monthly SIP Amount

Investment Duration

years

Risk info

This fund has Moderately High risk.

low
Low to Moderate
Moderate
Moderately High
High
Very High

As per SEBI's Riskometer.

Portfolio of Franklin India Pension Fund - Direct Plan

Asset Allocation

Split between different types of investments

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Market Cap Weightage

Split between categories of Equity investments

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Peer Comparison

Other details of Franklin India Pension Fund - Direct Plan

Assets info

₹492 Cr

Exit Load (Days) info

3.00 (58)

Min. Investment (₹)

500

Min. Withdrawal (₹)

500

Min. SIP Investment (₹)

500

Min. No of Cheques

12

Investment Strategy

The scheme seeks to generate steady returns along with tax savings through a portfolio of upto 40% in equities with the balance invested in fixed income instruments. This is to ensure relative stability and deliver superior returns.

Suitability

"When you invest for five years or more, you can expect gains that beat the inflation rate as well as the returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

Balanced hybrid funds invest roughly half your money in equity shares and the rest in bonds. Their returns are lower than pure equity funds which invest all your money in shares, but they also fall less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.

Like all equity-linked investments, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Do not invest in this, or any other balanced hybrid fund, if you need to redeem your investment in less than five years."

Taxation

Capital Gains Taxation

  • 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.

Dividend Taxation

  • 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.

FAQ for Franklin India Pension Fund - Direct Plan

The scheme seeks to generate steady returns along with tax savings through a portfolio of upto 40% in equities with the balance invested in fixed income instruments. This is to ensure relative stability and deliver superior returns.

Mutual funds can be bought directly from the website of the fund house. For instance, Franklin India Pension Fund - Direct Plan fund can be purchased from the website of Franklin Templeton Mutual Fund. You can also buy mutual funds through platforms like MF Central, MF Utility, among others. However, if you are not comfortable buying mutual funds online, you can seek help of a mutual fund distributor. Most banks also act as mutual fund distributors. So you can connect with your bank for assistance.

The NAV of Franklin India Pension Fund - Direct Plan is ₹210.2219 as of 24-Feb-2024.

The AUM of Franklin India Pension Fund - Direct Plan Fund is ₹492 Cr as of 31-Jan-2024

The riskometer level of Franklin India Pension Fund - Direct Plan is Moderately High. See More

Company Percentage of Portfolio

GOI Sec 5.63 12/04/2026

10.05

GOI Sec 5.74 15/11/2026

9.95

Bajaj Housing Finance Ltd Debenture 7.90 28/04/2028

5.36

Mahindra & Mahindra Financial Services Ltd SR AG Bonds 21/05/2026

5.35

National Bank For Agriculture & Rural Development SR 24A FRB 7.50

5.20
See More

As of 31-Jan-2024, Franklin India Pension Fund - Direct Plan had invested 56.25% in Debt, 39.33% in Equity and 4.42% in Cash & Cash Eq. See More

Franklin India Pension Fund - Direct Plan is 11 years 1 months old. It has delivered 10.60% returns since inception. See More

1Y
3Y
5Y
7Y
10Y
Since Inception
19.76%
10.13%
10.44%
9.12%
11.42%
10.60%

Yes, There is lock in period in Franklin India Pension Fund - Direct Plan.

The expense ratio of Franklin India Pension Fund - Direct Plan is 1.53.

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