Q: What are the returns of this mutual fund scheme?

The Franklin India Retirement Fund Direct-Growth is a 12 yrs 8 m old fund and has delivered average annual returns of 10.31% since inception. Franklin India Retirement Fund Direct-Growth Returns 1-Year 3-Year 5-Year 10-Year Since Inception 2.65% 11.41% 11.23% 8.98% 10.31%

Question 1

What is the current NAV of Franklin India Retirement Fund Direct-Growth?

Accepted Answer

The current Net Asset Value (NAV) of the Franklin India Retirement Fund - Direct Growth plan is approximately ₹238.8796 as of Sep 29, 2025.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The Franklin India Retirement Fund Direct-Growth is a 12 yrs 8 m old fund and has delivered average annual returns of 10.31% since inception.

Franklin India Retirement Fund Direct-Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
2.65%	11.41%	11.23%	8.98%	10.31%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The Franklin India Retirement Fund - Direct Growth has an expense ratio of 1.45%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Question 4

What is the AUM or fund size of this mutual fund?

Accepted Answer

The Franklin India Retirement Fund currently has assets under management (AUM) or fund size valued at approximately 515 Cr as on Apr 30, 2025.

Question 5

What are the top stock holdings of Franklin India Retirement Fund?

Accepted Answer

The Franklin India Retirement Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	4.27%
ICICI Bank Ltd.	3.2%
Larsen & Toubro Ltd.	1.89%
Bharti Airtel Ltd.	1.77%
Infosys Ltd.	1.68%
Reliance Industries Ltd.	1.6%
Axis Bank Ltd.	1.5%
Eternal Ltd.	1.18%
HCL Technologies Ltd.	1.16%
NTPC Ltd.	0.96%

Question 6

What are the top sectors Franklin India Retirement Fund has invested in?

Accepted Answer

The Franklin India Retirement Fund's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
HDFC Bank Ltd.	4.27%
ICICI Bank Ltd.	3.2%
Larsen & Toubro Ltd.	1.89%
Bharti Airtel Ltd.	1.77%
Infosys Ltd.	1.68%
Reliance Industries Ltd.	1.6%
Axis Bank Ltd.	1.5%
Eternal Ltd.	1.18%
HCL Technologies Ltd.	1.16%
NTPC Ltd.	0.96%

Question 7

To whom does Franklin India Retirement Fund lend to?

Accepted Answer

The top 3 debt holdings of Franklin India Retirement Fund are as follows

Holding Name	Percentage of Portfolio
National Bank For Agriculture & Rural Development	9.07%
GOI	5.83%
Small Industries Devp. Bank of India Ltd.	5.03%

Question 8

What is the quality of borrowers this mutual fund scheme lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The Franklin India Retirement Fund's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
National Bank For Agriculture & Rural Development	9.07%
GOI	5.83%
Small Industries Devp. Bank of India Ltd.	5.03%

Question 9

What is risk level of Franklin India Retirement Fund?

Accepted Answer

This is a Retirement Solutions fund comes with High risk.

Question 10

Is there any lock-in period in this mutual fund?

Accepted Answer

Yes, this fund comes with a mandatory lock-in period of 5 years.

Question 11

How do I invest in Franklin India Retirement Fund Direct-Growth?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for Franklin India Retirement Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the Franklin India Retirement Fund is complete.

Question 12

How can I redeem my investments in Franklin India Retirement Fund?

Accepted Answer

Redeeming your investments in the Franklin India Retirement Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

Expense ratio	1.45% as on Aug 31, 2025
Exit load	3.0% Exit load of 3% if redeemed before the age of 58 yrs.!
AUM (Fund size)	₹515 Cr
Lock-in Period	5 Years
Age	12 yrs 8 m since Jan 01, 2013
Benchmark	CRISIL Short Term Debt Hybrid 60+40 Index
Min. investment	SIP: ₹500 & Lumpsum: ₹500
Risk	High

Period	This fund	Category average
1 Month	0.04%	0.64%
3 Months	-0.99%	-1.35%
6 Months	4.34%	5.28%
1 Year	2.65%	0.95%
2 Years	11.24%	12.57%
3 Years	11.41%	12.77%
4 Years	8.79%	9.72%
5 Years	11.23%	13.1%
7 Years	9.56%	10.94%
10 Years	8.98%	9.97%

Fund name	1M	6M	1Y	3Y	5Y	10Y
Franklin India Retirement Fund	0.04%	4.34%	2.65%	11.41%	11.23%	8.98%
UTI Retirement Fund	0.49%	3.8%	1.33%	12.94%	14.3%	10.05%
HDFC Retirement Savings Fund - Hybrid Equity Plan	0.24%	5.68%	-1.24%	16.4%	18.92%	15.85%
HDFC Retirement Savings Fund - Hybrid Debt Plan	0.65%	3.54%	3.57%	10.19%	9.88%	9.3%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	0.72%	6.18%	6.03%	11.86%	10.47%	6.62%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	0.6%	12.22%	2.15%	21.52%	22.4%	11.05%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Franklin India Retirement Fund	5.29	0.56	0.82	1.29
UTI Retirement Fund	5.81	0.62	0.92	1.58
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.8	0.77	0.96	1.58
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.6	0.88	0.83	1.47
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.29	1.01	1.05	1.63
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.7	1.09	1.02	1.63

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Franklin India Retirement Fund	N.A.	515 Cr	12 yrs 8 m	1.45%
UTI Retirement Fund	N.A.	4,632 Cr	12 yrs 8 m	1.09%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,660 Cr	9 yrs 7 m	0.94%
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	160 Cr	9 yrs 7 m	1.06%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	82 Cr	6 yrs 7 m	0.94%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	916 Cr	6 yrs 7 m	0.77%

Franklin India Retirement Fund Direct-Growth

Historical NAV & returns

Franklin India Retirement Fund overview

Franklin India Retirement Fund Returns calculator

Trailing returns as on Sep 30, 2025

Asset allocationas on Apr 30, 2025

Peer comparison

Key risk & return ratios Compared to other funds in the category

Compare Franklin India Retirement Fund in detail with

About this fund

About Franklin India Retirement Fund

Fund managers

Investment objective

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Frequently asked questions

Franklin India Retirement Fund Direct-Growth Returns

ET Money rank

Alpha	1.21 vs. 3.65 Underperformed at beating benchmark
Sharpe	0.82 vs. 3.44 Poor risk-adjusted returns
Beta	0.56 vs. 0.92 Less sensitive to market ups & downs
Standard deviation	5.29 vs. 6.37 More stable returns

Fund AUM	515 Cr as on Apr 30, 2025
Scheme document	View Scheme Document

No. of schemes	34 view all schemes
Total AUM	1,15,641 Cr as on Jun 30, 2025
Address	Unit No.202/203/204, 2nd Floor Dalamal Tower, Plot No. 211 Free Press Journal Marg, Nariman Point Mumbai, 400013
Phone	1800-425-4255 / 60004255

Fund name	ETM Rank	AUM	1Y	5Y
Franklin India Dynamic Asset Allocation Active FoF	N.A.	1,288 Cr	2.21%	19.69%
Franklin India Aggressive Hybrid Fund	N.A.	2,187 Cr	-0.15%	19.17%
Franklin India Income Plus Arbitrage Active FoF	N.A.	69 Cr	10.92%	16.64%
Franklin India Equity Savings Fund	N.A.	678 Cr	5.36%	11.43%
Franklin India Conservative Hybrid Fund	N.A.	201 Cr	5.02%	9.84%

Sector	Percentage of Portfolio
Financial	10.540000000000001%
Services	4.550000000000001%
Energy	3.5700000000000003%
Technology	2.84%
Healthcare	2.77%
Construction	2.37%
Communication	2.12%
Automobile	1.8599999999999999%
Consumer Staples	1.81%
Capital Goods	1.31%

Credit Quality	Percentage of Portfolio
AAA	43.64725671%
SOV	9.75527755%
AA	5.28573352%