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Unrated

Franklin India Pension Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.35 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.30 Lakh

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."

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

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

  • 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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(₹)
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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
Fund 2.01 0.03 0.64 2.55 0.47 5.12 11.16 10.46 9.03 8.60 --
VR Balanced TRI 4.78 0.25 1.49 6.77 0.08 13.68 24.46 18.11 16.30 11.98 --
Hybrid: Balanced Hybrid 2.13 0.06 0.69 3.05 0.75 7.82 18.76 11.26 9.67 9.09 --
Rank within category 4 3 4 5 4 5 5 5 4 5 --
Number of funds in category 5 5 5 5 5 5 5 5 5 5 0

As on 17-Jan-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Franklin India Pension Fund - Direct Plan  | Invest Online Now
Unrated
Jan-13 11.16 10.46 9.03 1.54% 454
UTI Children's Career Fund-Savings Plan - Direct Plan  | Invest Online
Unrated
Jan-13 15.86 10.89 9.03 1.47% 4,225
UTI Retirement Benefit Pension Fund - Direct Plan  | Invest Online
Unrated
Jan-13 18.85 10.93 9.56 1.07% 3,592

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 4.32 19-Aug-2013 - 26-Aug-2013 -6.70 11-Mar-2020 - 18-Mar-2020
Month 7.58 07-May-2014 - 06-Jun-2014 -13.80 20-Feb-2020 - 23-Mar-2020
Quarter 11.87 13-Mar-2014 - 12-Jun-2014 -11.94 23-Dec-2019 - 23-Mar-2020
Year 41.23 13-Feb-2014 - 13-Feb-2015 -5.75 22-Mar-2019 - 23-Mar-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 9.68 7.32 0.81 0.91 0.39 0.79
VR Balanced TRI 16.94 17.88 0.74 0.86 -- --
Hybrid: Balanced Hybrid 10.61 10.06 0.70 0.72 0.49 0.37
Rank within category 5 1 1 1 1 1
Number of funds in category 5 5 5 5 5 5

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

As on 31-Dec-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 40
Top 10 Holdings (%) 56.50
Top 5 Holdings (%) 39.50
Top 3 Sectors (%) 20.79
Portfolio P/B Ratio 3.22
Portfolio P/E Ratio 21.76
Avg Credit Rating AAA

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 5.15% GOI 2025 GOI Securities SOV 5.57 - 12.10 11.90
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 11.22 11.15
equal 7.60% Nat. Highways Authority 18/03/2022 Bonds AAA 0.00 - 5.57 5.54
new Reserve Bank of India 91-D 24/03/2022 Treasury Bills SOV 0.00 - 5.46 5.46
equal Export-Import Bank 181-D 30/03/2022 Certificate of Deposit A1+ 0.00 - 5.45 5.45
equal 6.95% HDFC 27/04/2023 Debenture AAA 4.45 - 4.66 4.49
equal 9.25% Reliance Jio Infocomm 16/06/2024 Debenture AAA 3.55 - 3.75 3.57
equal Reserve Bank of India 91-D 24/02/2022 Treasury Bills SOV 0.00 - 1.31 1.31
equal 9.00% Indostar Capital Finance 2023 Debenture AA- 1.09 - 1.12 1.10
equal 9.25% Power Finance Corporation Additional Tier 2 Bond AAA 1.06 - 1.12 1.07
equal 6.18% GOI 2024 GOI Securities SOV 0.89 - 2.10 0.90
equal 7.32% GOI 28/01/2024 GOI Securities SOV 0.46 - 0.96 0.46
equal 5.22% GOI 15/06/2025 GOI Securities SOV 0.22 - 0.22 0.22

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

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal Infosys Technology 37.93 4.07 1.67 3.12
equal Axis Bank Financial 21.85 3.77 1.90 2.93
up ICICI Bank Financial 26.81 2.90 0.87 2.90
equal HDFC Bank Financial 23.40 5.11 2.51 2.77
equal Larsen & Toubro Construction 33.21 1.94 0.00 1.94
up Bharti Airtel Communication 141.47 2.79 1.14 1.91
equal Hindustan Unilever FMCG 66.82 1.40 0.00 1.40
equal Kotak Mahindra Bank Financial 38.44 2.30 1.23 1.34
equal State Bank of India Financial 16.01 1.19 0.35 1.19
equal Ambuja Cements Construction 25.14 1.02 0.00 1.02
equal Voltas Consumer Durable 72.08 1.58 0.69 0.97
equal HCL Technologies Technology 31.03 0.93 0.00 0.93
equal Petronet LNG Energy 11.14 1.21 0.91 0.91
equal Dr. Reddy's Lab Healthcare 39.65 1.92 0.00 0.86
up United Breweries FMCG 130.85 0.84 0.33 0.84
up NTPC Energy 9.90 0.80 0.43 0.80
up SBI Cards & Payments Services Financial 80.84 0.79 0.00 0.79
equal Power Grid Corporation Energy 8.92 0.79 0.50 0.78
equal Grasim Industries Construction 20.60 1.65 0.00 0.77
equal Balkrishna Industries Automobile 34.05 2.09 0.64 0.77
equal Aditya Birla Fashion and Retail Services -- 0.64 0.19 0.64
equal Cadila Healthcare Healthcare 9.35 0.76 0.29 0.53
up Bharat Petroleum Corporation Energy 4.84 1.09 0.33 0.52
down Gujarat State Petronet Energy 9.92 0.94 0.49 0.49
up City Union Bank Financial 16.97 0.49 0.00 0.49

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-Dec-2021

Fund Manager

— Anand Radhakrishnan since 07-Sep-2021

Education: Mr. Radhakrishnan is a B.Tech, CFA and PGDM from IIM Ahmedabad.

Experience: Prior to joining Franklin Templeton Investments, he has worked with Sundaram Asset Management Ltd., SBI Funds Management and Asian Convertible and Income Fund.

Interviews:

Funds Managed:

— Rajasa Kakulavarapu since 07-Sep-2021

Education: Ms. Kakulavarapu has done B.Tech and MBA.

Experience: Prior to joining Franklin Templeton Mutual Fund, she has worked with Jefferies India Pvt. Ltd. and Credit Suisse Securities (India) Pvt. Ltd.

Funds Managed:

— Sachin Padwal-Desai since 01-Jan-2013

Education: Mr. Desai is a B.E and PGDM from IIM Bangalore.

Experience: Prior to joining Franklin Templeton Mutual Fund, he has worked with Sundaram Mutual Fund, ICICI Bank, Infosys Technologies and Thermax.

Funds Managed:

— Umesh Sharma since 01-Jan-2013

Education: Mr. Sharma is a B.Com (H), CS and CA.

Experience: Prior to joining Franklin Templeton Mutual Fund he has worked with ICICI Bank Ltd., UTI Mutual Fund, Invesco Mutual Fund and JM Financials.

Funds Managed:


0.03%

Change from previous, NAV as on 17-Jan-2022

Growth: ₹ 173.7455

IDCW: ₹ 18.7412


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.

Investment Details

Min. Investment (₹) 500
Min. Addl Investment (₹) 500
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 500
Min. Balance (₹) 500
Lock-in Period 5 Years
Exit Load For Redemption or switch out of units before the attainment of retirement age i.e 58 years

Basic Details

Fund House: Franklin Templeton Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 10.86%
Benchmark: CRISIL Composite Bond Index (60), NIFTY 500 TRI (40)
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 454 Cr (As on 31-Dec-2021)
Expense: 1.54% (As on 30-Nov-2021)
Risk Grade: --
Return Grade: --
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW17-Dec-20211.5000

 24-Dec-20201.2500
 20-Dec-20191.0805
 28-Dec-20181.0805
 29-Dec-20171.1556
 30-Dec-20160.9028
 01-Jan-20160.7223
 26-Dec-20140.6533
 03-Jan-20140.8000

Contact Information

AMC: Franklin Templeton Asset Management India Private Ltd

Address: Indiabulls Finance Center, Tower 2, 12th and 13th Floor, Senapati Bapat Marg, Elphinstone Road (West) Mumbai - 400013

Phone: 1800-425-4255 / 60004255

Email: [email protected]

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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