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3 star

Franklin India Debt Hybrid Fund


1 Lakh

Investment Grown to
₹ 1.19 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.07 Lakh

Suitability:

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, 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 per cent of the value of your investment every year.

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 0.70 -0.38 -0.47 1.78 5.44 7.53 6.92 6.03 7.55 9.01 8.73
VR MIP TRI 1.06 -0.57 -0.11 2.55 7.69 10.38 11.57 8.51 9.80 9.57 8.69
Hybrid: Conservative Hybrid 0.76 -0.31 -0.32 1.98 6.54 9.52 9.64 5.73 8.06 8.96 8.39
Rank within category 16 32 34 17 17 24 34 18 24 14 13
Number of funds in category 38 38 38 38 38 38 38 35 34 30 29

As on 22-Jan-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Franklin India Debt Hybrid Fund  | Invest Online Now
3 star
Sep-00 6.92 6.03 7.55 2.29 193
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 11.06 8.50 10.28 1.80 2,734
SBI Debt Hybrid Fund  | Invest Online
4 star
Mar-01 13.61 7.21 8.64 1.82 1,012
HDFC Hybrid Debt Fund  | Invest Online
3 star
Dec-03 10.16 5.87 8.79 1.90 2,442
UTI Regular Savings Fund - Regular Plan  | Invest Online
2 star
Dec-03 12.90 5.35 7.88 1.79 1,664

Best & Worst Performance

Best (Period) Worst (Period)
Week 4.78 (12-May-2009 - 19-May-2009) -5.24 (11-Mar-2020 - 18-Mar-2020)
Month 7.29 (11-May-2009 - 10-Jun-2009) -11.96 (20-Feb-2020 - 23-Mar-2020)
Quarter 15.64 (09-Mar-2009 - 10-Jun-2009) -9.63 (23-Dec-2019 - 23-Mar-2020)
Year 26.44 (31-Jan-2014 - 02-Feb-2015) -11.44 (03-Dec-2007 - 02-Dec-2008)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 5.87 6.04 0.18 0.19 0.81 -1.98
VR MIP TRI 8.59 6.92 0.55 0.65 -- --
Hybrid: Conservative Hybrid 5.84 7.51 0.20 0.29 0.86 -2.22
Rank within category 23 15 22 24 22 21
Number of funds in category 35 35 35 35 35 35

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

As on 31-Dec-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 27
Number of Bonds 14
Average Maturity (yrs) 3.88
Top 10 Holdings (%) 65.71
Portfolio P/B Ratio 2.86
Portfolio P/E Ratio 26.63

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
down 5.77% GOI 2030 GOI Securities SOV 0.00 - 15.10 11.17
equal 6.95% HDFC 27/04/2023 Debenture AAA 0.00 - 10.89 10.83
new Reserve Bank of India 182-D 14/01/2021 Treasury Bills SOV 0.00 - 10.33 10.33
equal Bank of Baroda 2021 Certificate of Deposit A1+ 0.00 - 10.32 10.29
equal 7.17% GOI 2028 GOI Securities SOV 0.00 - 5.20 5.18
equal 6.18% GOI 2024 GOI Securities SOV 0.00 - 4.36 4.34
equal 6.79% GOI 15/05/2027 GOI Securities SOV 0.00 - 3.87 3.86
equal 8.85% Power Finance Corp. 25/05/2029 Bonds/NCDs AAA 2.28 - 3.82 3.78
equal 8.90% Vedanta 2021 Non Convertible Debenture AA- 0.00 - 3.05 3.05
equal 9.25% Power Finance Corp. 25/09/2024 Non Convertible Debenture AAA 2.42 - 9.29 2.88
equal 8.80% REC 14/05/2029 Debenture AAA 2.01 - 4.02 2.02
equal 8.85% REC 16/04/2029 Non Convertible Debenture AAA 1.72 - 3.27 1.74
equal 7.32% GOI 28/01/2024 GOI Securities SOV 0.00 - 1.13 1.12
equal 5.22% GOI 15/06/2025 GOI Securities SOV 0.00 - 13.79 0.52

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 30.79 2.80 0.96 2.52
down Axis Bank Financial 57.35 2.62 1.18 2.42
down HDFC Bank Financial 26.29 2.49 1.11 1.48
down ICICI Bank Financial 26.52 1.46 0.21 1.34
equal Gujarat State Petronet Energy 7.88 1.71 0.77 1.21
equal Dr. Reddy's Lab Healthcare 52.47 1.20 0.52 1.16
equal Power Grid Corporation Energy 10.61 1.13 0.00 1.12
equal Kansai Nerolac Paints Chemicals 85.80 1.21 0.62 1.06
down Voltas Cons Durable 77.81 1.32 0.55 1.05
down Bharti Airtel Communication -- 1.93 0.83 1.03
equal Cadila Healthcare Healthcare 28.37 0.86 0.33 0.86
equal Colgate-Palmolive FMCG 47.80 0.77 0.24 0.77
down Mahindra & Mahindra Automobile -- 1.43 0.50 0.65
equal TVS Motor Co. Automobile 113.28 0.66 0.29 0.65
down Balkrishna Industries Automobile 34.10 1.49 0.59 0.64
equal United Breweries FMCG 881.53 0.61 0.23 0.61
equal Cummins India Engineering 28.29 0.60 0.24 0.59
equal BPCL Energy 19.93 1.02 0.35 0.59
down Kotak Mahindra Bank Financial 40.56 1.91 0.56 0.56
down Hindalco Inds. Metals 38.80 0.88 0.00 0.52
equal State Bank of India Financial 10.80 0.75 0.22 0.42
equal Tata Motors Automobile -- 0.38 0.11 0.38
equal Aditya Birla Fashion and Retail Services -- 0.55 0.17 0.30
equal Jagran Prakashan FMCG 18.91 0.44 0.17 0.22
equal Karur Vysya Bank Financial 10.81 0.20 0.06 0.18

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-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 05-Jul-2010

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 05-Jul-2010

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:


-0.38%

Change from previous, NAV as on 22-Jan-2021

Growth: ₹ 63.3353

Dividend Quarterly: ₹ 12.5559

Dividend Monthly: ₹ 13.2508


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: 28-Sep-2000
Return Since Launch: 9.50%
Benchmark: CRISIL Hybrid 85+15 Conservative TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 193 Cr (As on 31-Dec-2020)
Expense: 2.29% (As on 31-Dec-2020)
Risk Grade: Average
Return Grade: Below Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly18-Dec-20200.0850

 20-Nov-20200.0786
 23-Oct-20200.0786
 18-Sep-20200.0786
 21-Aug-20200.0740
 24-Jul-20200.0740
 19-Jun-20200.0740
 22-May-20200.0740
 17-Apr-20200.0720
 20-Mar-20200.0612
 24-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
Dividend Quarterly18-Dec-20200.2600

 18-Sep-20200.2405
 19-Jun-20200.2405
 20-Mar-20200.1873
 20-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

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: 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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