October 6, 2025
RA Jainee
Franklin India Retirement Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 237.3604
NAV IDCW: Rs 19.6707
Suitable For Which Investors?
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.
Fund’s 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.
Fund Manager:
1) Anuj Tagra
Education: Mr. Anuj Tagra is a graduate of Guru Gobind Singh Indraprastha University and an MBA from Narsee Monjee Institute of Management Studies
Experience: Prior to joining Franklin India Mutual Fund, he has worked with ICICI Prudential AMC, Union Bank of India and Fidelity Investments.
2) Pallab Roy
Education: Mr. Roy is a M.Com and MBA (Finance).
Experience: He has been associated with Franklin Templeton Investments since 2001.
3) Ajay Argal
Education: Mr. Argal is a B.Tech from (IIT,Mumbai) & PGDM (IIM,Bangalore).
Experience: Prior to joining Franklin Templeton Asset Management (India) Pvt. Ltd., he has worked with Baring Asset Management (Asia) Ltd., Aditya Birla Sunlife Mutual Fund and UTI AMC where he handled various aspects of investments function including managing offshore funds, equity funds, balanced funds, equity research & equity dealing.
4) Rajasa Kakulavarapu
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.
Investment Details
| Min. Investment (Rs) | 500 |
| Min. Addl Investment (Rs) | 500 |
| Min. SIP Investment (Rs) | 500 |
| Min. Withdrawal (Rs) | 500 |
| Min. No of Cheques | 12 |
| Min. Balance (Rs) | 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 of Franklin India Retirement Fund
| Fund House | Franklin Templeton Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 10.58% |
| Benchmark | CRISIL Short Term Debt Hybrid 60+40 Index |
| Riskometer | High |
| Type | Open-ended |
| Assets | Rs 515 Cr |
| (As on 30-Apr-2025) | |
| Expense | 1.55% |
| (As on 30-Apr-2025) | |
| Risk Grade | — |
| Return Grade | — |
| Turnover | — |
Trailing Returns (%) of Franklin India Retirement Fund
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| Franklin India Retirement Dir | 2.43 | 0.63 | 3.09 | 5.51 | 4.40 | 10.93 | 13.47 | 12.43 | 9.59 | 9.20 |
| VR Balanced Hybrid TRI | 2.92 | 0.92 | 5.12 | 8.22 | 4.46 | 10.57 | 15.78 | 17.70 | 12.23 | 11.71 |
| Hybrid: Balanced Hybrid | 2.61 | 0.56 | 3.50 | 6.12 | 4.47 | 12.06 | 13.54 | 14.35 | 9.55 | 9.51 |
| Rank within category | 4 | 2 | 6 | 6 | 4 | 6 | 3 | 4 | 3 | 3 |
| Number of funds in category | 6 | 6 | 6 | 6 | 6 | 6 | 4 | 4 | 4 | 4 |
Peer Comparison of Franklin India Retirement Fund
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| Franklin India Retirement Dir | Unrated | 10.93 | 13.47 | 12.43 | 1.55 | 515 | 10.58 | 3.00 (58) | 12Y 4M | — |
| UTI Retirement Dir | Unrated | 13.15 | 15.03 | 16.86 | 1.04 | 4,668 | 10.78 | 1.00 (365) | 12Y 4M | 40.00 |
| UTI Children’s Hybrid Dir | Unrated | 11.38 | 11.79 | 13.98 | 1.56 | 4,549 | 10.31 | — | 12Y 4M | 37.00 |
| 360 ONE Balanced Hybrid Dir | Unrated | 12.04 | — | — | 0.45 | 837 | 16.46 | 1.00 (360) | 1Y 7M | 57.00 |
Portfolio Analysis of Franklin India Retirement Fund
| No. of Stocks | 47 |
| Top 10 Holdings | 54.13% |
| Top 5 Stocks | 34.40% |
| Top 3 Sectors | 18.57% |
| Portfolio P/B Ratio | 3.68 |
| Portfolio P/E Ratio | 24.51 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 2,49,421 | 2,10,863 |
| Giant (%) | 68.04 | 59.19 |
| Large (%) | 12.75 | 15.42 |
| Mid (%) | 11.07 | 18.68 |
| Small (%) | 8.15 | 6.70 |
| Tiny (%) | — | 0.07 |
| Fund | Category | |
| Number of Securities | 69 | 66 |
| Macaulay Duration (yrs) | 3.88 | 3.22 |
| Average Maturity (yrs) | 5.11 | 4.01 |
| Yield to Maturity (%) | 7.07 | 6.98 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For Franklin India Retirement Fund
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