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Franklin India Debt Hybrid Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.25 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.08 Lakh

Analyst's Choice?

Suitability:

When you invest for three years or above, you can expect gains that beat the inflation rate and are also slightly higher than fixed income options. But be prepared for some ups and downs in your investment value along the way.

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6% of the value of your investment every year.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than three 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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT).Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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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 2.39 -0.27 -0.15 1.03 3.30 7.30 11.84 7.58 7.68 9.95 --
VR MIP TRI 0.93 0.29 -0.01 0.62 1.79 5.47 10.56 8.63 7.38 8.89 --
Hybrid: Conservative Hybrid 1.34 -0.35 -0.16 0.41 1.99 5.97 8.88 7.04 7.61 9.46 --
Rank within category 9 15 24 11 6 11 9 14 15 8 --
Number of funds in category 38 38 38 38 37 37 35 35 31 26 0

As on 24-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 4.62 (19-Aug-2013 - 26-Aug-2013) -4.55 (12-Aug-2013 - 19-Aug-2013)
Month 5.65 (19-Aug-2013 - 18-Sep-2013) -6.87 (19-Jul-2013 - 19-Aug-2013)
Quarter 8.67 (11-Mar-2014 - 10-Jun-2014) -8.27 (20-May-2013 - 19-Aug-2013)
Year 27.20 (31-Jan-2014 - 02-Feb-2015) 0.40 (26-Oct-2017 - 26-Oct-2018)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 6.74 3.16 0.34 0.56 0.66 -0.56
VR MIP TRI 8.13 4.10 0.60 0.95 -- --
Hybrid: Conservative Hybrid 6.70 4.22 0.31 0.54 0.75 -0.82
Rank within category 18 11 16 15 15 15
Number of funds in category 36 36 36 36 36 36

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

As on 31-Jan-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 27
Number of Bonds 18
Average Maturity (yrs) 4.85
Top 10 Holdings (%) 57.72
Portfolio P/B Ratio 2.64
Portfolio P/E Ratio 23.38

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 8.95% Pipeline Infrastructure 22/03/2024 Non Convertible Debenture AAA 0.00 - 10.01 10.01
new 7.57% GOI 17/06/2033 GOI Securities SOV 0.00 - 8.68 8.68
equal 8.60% Export-Import Bank 30/04/2099 Bonds AA+ 0.00 - 8.36 8.36
equal 9.25% Power Finance Corp. 25/09/2024 Non Convertible Debenture AAA 0.00 - 7.36 7.36
equal 9.00% State Bank of India 2021 Bonds AA+ 0.00 - 6.72 6.72
equal 8.80% REC 14/05/2029 Debenture AAA 0.00 - 3.49 3.49
equal 9.70% Coastal Gujarat Power 27/08/2023 Non Convertible Debenture AA 0.00 - 3.42 3.42
equal 9.15% Tata Steel 24/01/2021 Debenture AA 0.00 - 3.36 3.36
equal 7.60% LIC Housing Fin. 22/11/2022 Debenture AAA 0.00 - 3.34 3.34
equal 7.33% IRFC 27/08/2027 Debenture AAA 0.00 - 2.98 2.98
equal 9.55% Hindalco Inds. 27/07/2022 Bonds/NCDs AA+ 0.00 - 2.40 2.39
equal 8.85% Power Finance Corp. 25/05/2029 Bonds/NCDs AAA 0.00 - 2.28 2.28
equal 8.85% REC 16/04/2029 Non Convertible Debenture AAA 0.00 - 2.10 2.10
equal 8.90% Vedanta 2021 Non Convertible Debenture AA 0.00 - 2.00 2.00
new 7.28% HDFC 26/09/2022 Debenture AAA 0.00 - 1.66 1.66
equal 10.25% Yes Bank 31/12/2099 Bonds A- 0.00 - 1.65 1.65
equal 8.80% JM Financial Products 28/09/2020 Bonds/Debentures AA 0.00 - 1.63 1.63
down 8.97% REC 28/03/2029 Non Convertible Debenture AAA 0.00 - 5.99 0.88

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 HDFC Bank Financial 25.23 2.49 1.34 2.42
equal Axis Bank Financial 42.77 2.43 1.18 2.31
equal Kotak Mahindra Bank Financial 36.78 1.73 0.62 1.73
equal Infosys Technology 20.72 1.70 0.85 1.63
equal Gujarat State Petronet Energy 8.57 1.43 0.59 1.43
equal Bharti Airtel Communication -- 1.40 0.77 1.25
equal Kansai Nerolac Paints Chemicals 50.57 1.21 0.54 1.12
equal Dr. Reddy's Lab Healthcare 31.01 1.06 0.46 1.06
equal ICICI Bank Financial 36.13 1.07 0.21 1.05
equal Balkrishna Industries Automobile 26.95 0.95 0.38 0.92
equal Voltas Cons Durable 47.72 0.92 0.33 0.92
equal Grasim Industries Construction 11.75 1.00 0.00 0.90
equal Mahindra & Mahindra Automobile 29.60 1.23 0.79 0.89
equal Power Grid Corporation Energy 6.29 1.07 0.00 0.86
equal Hindalco Inds. Metals 9.40 0.69 0.00 0.61
equal BPCL Energy 12.90 1.02 0.45 0.45
equal Colgate-Palmolive FMCG 44.80 0.48 0.19 0.42
equal United Breweries FMCG 72.19 0.46 0.17 0.42
equal TVS Motor Co. Automobile 30.17 0.93 0.30 0.40
equal Cadila Healthcare Healthcare 22.55 0.53 0.33 0.40
equal Cummins India Engineering 21.85 0.50 0.34 0.38
equal State Bank of India Financial 24.53 1.33 0.24 0.31
equal Aditya Birla Fashion and Retail Services 108.90 0.56 0.21 0.27
equal Tata Motors Automobile -- 0.42 0.15 0.23
equal Jagran Prakashan FMCG 6.07 0.45 0.17 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

As on 31-Jan-2020

Fund Manager

— Krishna Prasad Natarajan since 01-Jan-2019

Education: Mr. Natarajan has done B.E. (Chemical Engineering), PGDIM & CFA

Experience: Prior to joining Franklin Templeton Mutual Fund, he has worked with kotak Institutional Equity, JM Financial and Nomura.

Funds Managed:

— Lakshmikanth Reddy since 02-May-2016

Education: Mr. Reddy is a B.Tech in Mechanical Engineering from Jawaharlal Nehru Technical University, Hyderabad and also holds a PGDM from IIM-A.

Experience: Prior to joining Franklin Templeton Mutual Fund he was associated with ICICI Pru Life Insurance Company Ltd. as Head-Equity (Jun 2004-Feb 2016), HSBC Capital Markets as Equity analyst (Apr 2003-May 2004), ABN Amro Asia Equities as Equity Analyst (Feb 2000-Mar 2003), UTI as Buy Side Analyst (Jun 1997-Feb 2000) and Crompton Greaves as Design Executive (Aug 1993-Jun 1995).

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 Sundaram Mutual Fund he has worked with 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:


-0.27%

Change from previous, NAV as on 24-Feb-2020

Growth: ₹ 63.3235

Dividend Quarterly: ₹ 13.8902

Dividend Monthly: ₹ 14.3523


Investment Strategy

The Scheme seeks to provide regular income through a portfolio of predominantly fixed income securities with a maximum with a maximum exposure of 20% to equities. exposure of 25% to equities.

Investment Details

Minimum Investment (₹) 10,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1,000
Exit Load For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: Franklin Templeton Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 9.78%
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 302 Cr (As on 31-Jan-2020)
Expense: 1.40% (As on 31-Jan-2020)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly24-Jan-20200.0612

 20-Dec-20190.0612
 22-Nov-20190.0612
 18-Oct-20190.0612
 20-Sep-20190.0612
 23-Aug-20190.0612
 19-Jul-20190.0612
 21-Jun-20190.0612
 24-May-20190.0612
 18-Apr-20190.0612
 22-Mar-20190.0612
 15-Feb-20190.0612
 18-Jan-20190.0612
 21-Dec-20180.0612
 22-Nov-20180.0612
 19-Oct-20180.0612
 21-Sep-20180.0612
 24-Aug-20180.0612
 20-Jul-20180.0612
 15-Jun-20180.0684
 18-May-20180.0684
 20-Apr-20180.0684
 16-Mar-20180.0686
 16-Feb-20180.0686
 19-Jan-20180.0722
Dividend Quarterly20-Dec-20190.1873

 20-Sep-20190.1873
 21-Jun-20190.1873
 22-Mar-20190.1873
 21-Dec-20180.1873
 21-Sep-20180.1873
 15-Jun-20180.1981
 16-Mar-20180.1986
 15-Dec-20170.1986
 15-Sep-20170.1986
 16-Jun-20170.1986
 17-Mar-20170.1986
 16-Dec-20160.1986
 16-Sep-20160.1986
 17-Jun-20160.1986
 28-Mar-20160.1986
 18-Dec-20150.1986
 18-Sep-20150.1986
 19-Jun-20150.1986
 20-Mar-20150.1996
 19-Dec-20140.1924
 19-Sep-20140.1948
 23-Jun-20140.1948
 20-Jun-20140.1948
 24-Mar-20140.1753

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: www.franklintempletonindia.com

Registrar & Transfer Agent: Franklin Templeton Asset Management (India) Pvt. Ltd.

Address: Unit 301, III Floor, Campus 4B, RMZ Millenia Business Park, 143 Dr. MGR Road, Kandanchavadi Chennai - 600096

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