Franklin India Retirement Fund - Direct Plan
Value Research Rating
Our Opinion
Riskometer
Moderately High
₹236.1568
As on 15-May-2026
Returns
Risk
This fund has Moderately High risk.
As per SEBI's Riskometer.
Portfolio of Franklin India Retirement Fund - Direct Plan
Asset Allocation
Split between different types of investments
Market Cap Weightage
Split between categories of Equity investments
We have shifted from our proprietary CapRank classification system to SEBI’s market cap classification system with effect from 14 Jan, 2026.
Peer Comparison
|
Fund name
|
Rating |
Our Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
Franklin India Retirement Fund - Direct Plan
|
|
Moderately High
|
|
1.52 |
||
|
|
High
|
|
1.09 |
|||
|
|
High
|
|
1.45 |
|||
|
|
High
|
|
0.79 |
Other details of Franklin India Retirement Fund - Direct Plan
Assets
₹497 Cr
Exit Load (Days)
3.00 (58)
Min. Investment (₹)
500
Min. Withdrawal (₹)
500
Min. SIP Investment (₹)
500
Min. No of Cheques
12
About Franklin India Retirement Fund - Direct Plan
Franklin India Retirement Fund - Direct Plan is a hybrid mutual fund scheme of Franklin Templeton Mutual Fund. Launched on January 01, 2013, it is currently managed by Ajay Argal, Pallab Roy, Anuj Tagra and Rajasa Kakulavarapu. The fund has an expense ratio of 1.52% with an overall AUM (Assets Under Management) of ₹497 Cr.
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. The fund allows minimum lumpsum investment of ₹500 and minimum SIP of ₹500.
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
Balanced Hybrid funds are suitable for investors:
- Looking to invest equally in equity and debt for moderate returns
- Aiming for long-term wealth creation
- With a 5-8 year investment horizon
- Who are new/unfamiliar with market's ups and downs
Note:
- Invest only through SIP
- The fund carries a lock-in period of 5 years or till the investor attains retirement age, whichever is earlier
Capital Gains Taxation
The following tax treatment is based upon last 12-months asset allocation and may vary from other funds in the category.
- If the mutual fund units are sold after 2 years from the date of investment, gains are taxed at the rate of 12.5%.
- If the mutual fund units are sold within 2 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.
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
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 10,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.
Latest news on Franklin India Retirement Fund - Direct Plan
Income distribution in Franklin India Pension Fund
1 min read•By News Desk
FAQ for Franklin India Retirement Fund - Direct Plan
How to Invest in Franklin India Retirement Fund - Direct Plan?
Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of Franklin India Retirement Fund - Direct Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, Franklin India Retirement Fund - Direct Plan can be bought from the Franklin Templeton Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.
What is the current NAV of Franklin India Retirement Fund - Direct Plan Today?
The latest declared NAV of Franklin India Retirement Fund - Direct Plan, is ₹236.1568 as of 16-May-2026.
What are the top holdings of Franklin India Retirement Fund - Direct Plan?
| Company | Percentage of Portfolio |
|---|---|
|
National Bank For Agriculture & Rural Development SR 25G Bonds 7.48 15/09/2028 |
9.44
|
|
Jubilant Bevco Ltd Debenture 31/05/2028 |
5.85
|
|
LIC Housing Finance Ltd Bonds 7.90 23/06/2027 |
5.39
|
|
Small Industries Devp. Bank of India Ltd SR IX Debenture 7.68 10/08/2027 |
5.08
|
|
Bajaj Housing Finance Ltd Debenture 7.90 28/04/2028 |
5.05
|
What is the return of Franklin India Retirement Fund - Direct Plan in the last 5 years?
Over the past five years, Franklin India Retirement Fund - Direct Plan has delivered an annualised return of 8.10% as of 16-May-2026.
What is the minimum investment required in Franklin India Retirement Fund - Direct Plan?
The minimum investment required to start investing in Franklin India Retirement Fund - Direct Plan is ₹500 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.
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