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MF Analyser

Franklin India Retirement Fund

Regular Plan · IDCW · Retirement Funds · Scheme code 100535

NAV₹16.4405as on 25 Sep 2026
Fund houseFranklin Templeton Mutual Fund
CategoryRetirement Funds
Plan & optionRegular · IDCW
History20.5 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme -1.62-0.181.04 -9.00-1.63-2.23 -0.65-1.40-0.23
Nifty 100
benchmark		 0.253.49-1.52 1.8410.529.38 ——12.79
Retirement Funds
category median		 ——— 2.437.657.28 —9.17—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 11.2% -0.72 -0.82 0.34 -9.45% -41.7% 35.01
Nifty 100
benchmark		 17.1%0.23 0.32—— -37.0%—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the 82 months this scheme and its benchmark share.

Growth of ₹100 since launch

67851021202008201020122014201620182020202220242026MF Analyser

Drawdown from peak (%)

0%-15%-30%-45%2008201020122014201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
957 -34.0% -0.6% 33.1% 53%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

How it behaves against its benchmark

Up captureDown captureCorrelation Tracking errorInformation ratioTreynor
28% 53% 0.59 14.1% -0.95 -21.65

Up capture is how much of the benchmark's gain this scheme kept in the months the benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it on the up side is the combination every fund is trying for and few reach. Measured over the 82 months this scheme and Nifty 100 share.

MF Analyser

Franklin India Retirement Fund

Regular Plan · IDCW

Allocation

By asset

Debt55.97%
Equity34.54%
Cash & Equivalents8.86%
Mutual Fund Units0.62%

By market cap

Large Cap22.32%
Mid Cap5.14%
Small Cap7.08%
Unclassified56.59%

Concentration

Number of stocks59
Top 5 stocks31.46%
Top 10 stocks50.98%
Top 20 stocks67.52%
Lines in the filing60
Largest holding9.77%
Largest sectorCRISIL AAA 25.75%
Effective stocks29.2
Sectors held34
Cash8.86%

Effective stocks is what the concentration works out to: a fund holding 59 names but most of its money in a few behaves like a fund of 29. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

CRISIL AAA — 25.8%CRISIL AA — 10.1%IND AAA — 9.8%Cash & Equivalents — 8.9%Banks — 8.0%CARE AAA — 5.2%CRISIL A1+ — 3.0%Other — 29.4%CRISIL AAA25.8%CRISIL AA10.1%IND AAA9.8%Cash & Equivalents8.9%Banks8.0%CARE AAA5.2%CRISIL A1+3.0%Other29.4%
CRISIL AAA25.75%
CRISIL AA10.09%
IND AAA9.77%
Cash & Equivalents8.86%
Banks7.95%
CARE AAA5.16%
CRISIL A1+3.00%
SOVEREIGN2.20%
Consumer Durables1.87%
Pharmaceuticals & Biotechnology1.87%
Automobiles1.80%
Retailing1.78%
Aerospace & Defense1.55%
Healthcare Services1.44%
Petroleum Products1.36%
Financial Technology (Fintech)1.35%
IT - Software1.30%
Telecom - Services1.29%
Construction1.24%
Power1.11%
MF Analyser

Franklin India Retirement Fund

Regular Plan · IDCW · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 7.48% National Bank For Agriculture & Rural Development (15-Sep-2028) IND AAA 4,500 48 9.77%
2 Call, Cash & Other Assets Unclassified — 44 8.86%
3 0.00% Jubilant Bevco Ltd (31-May-2028) CRISIL AA 2,668 30 6.06%
4 7.68% Small Industries Development Bank Of India (10-Aug-2027) CRISIL AAA 2,500 26 5.25%
5 7.90% Bajaj Housing Finance Ltd (28-Apr-2028) CRISIL AAA 250 26 5.22%
6 7.70% Poonawalla Fincorp Ltd (21-Apr-2028) CRISIL AAA 2,500 26 5.18%
7 7.90% LIC Housing Finance LTD (23-Jun-2027) CARE AAA 250 25 5.16%
8 7.03% National Bank for Financing Infrastructure and Development (08-Apr-2030) CRISIL AAA 2,500 25 5.11%
9 0.00% Jubilant Beverages Ltd (31-May-2028) CRISIL AA 1,784 20 4.03%
10 Canara Bank (30-Nov-2026) CRISIL A1+ 300 15 3.00%
11 7.66% Maharashtra SDL (04-Mar-2047) SOVEREIGN 1,050,000 11 2.20%
12 8.75% Bharti Telecom Ltd (05-Nov-2028) CRISIL AAA 1,000 11 2.20%
13 HDFC Bank Ltd Banks 135,376 10 1.95%
14 ICICI Bank Ltd Banks 63,000 9 1.86%
15 Axis Bank Ltd Banks 67,000 9 1.77%
16 0.00% REC Ltd (03-Nov-2034) CRISIL AAA 1,487 9 1.77%
17 State Bank of India Banks 80,000 8 1.72%
18 Reliance Industries Ltd Petroleum Products 52,500 7 1.36%
19 Eternal Ltd Retailing 200,000 7 1.33%
20 Infosys Ltd IT - Software 56,604 6 1.30%
21 Bharti Airtel Ltd Telecom - Services 35,000 6 1.29%
22 Mahindra & Mahindra Ltd Automobiles 19,000 6 1.27%
23 Larsen & Toubro Ltd Construction 15,100 6 1.24%
24 Bharat Electronics Ltd Aerospace & Defense 144,000 6 1.21%
25 8.3774% Kotak Mahindra Investments Ltd (21-Jun-2027) CRISIL AAA 500 5 1.04%
26 Kirloskar Oil Engines Ltd Industrial Products 19,898 4 0.85%
27 Ultratech Cement Ltd Cement & Cement Products 3,400 4 0.79%
28 Cipla Ltd Pharmaceuticals & Biotechnology 27,000 4 0.77%
29 Global Health Ltd Healthcare Services 24,907 4 0.75%
30 Dixon Technologies (India) Ltd Consumer Durables 2,400 4 0.72%
MF Analyser

Franklin India Retirement Fund

Regular Plan · IDCW · where the money sits

What the manager did last month

Between the filings of 31 Jul 2026 and 31 Aug 2026. A position grows because the manager bought or because the price rose; only the share count separates them.

BoughtSoldNew positionsSold out ofPrice move of holdings
₹6 cr ₹10 cr 6 6 +0.96%
StockShares tradedShares PriceValue
₹ cr
New position
Tata Power Co Ltd 100,000 entered — 3.5
Dr. Reddy's Laboratories Ltd 24,000 entered — 2.8
Hyundai Motor India Ltd 12,000 entered — 2.7
TBO Tek Ltd 12,000 entered — 2.1
Aptus Value Housing Finance India Ltd 50,000 entered — 1.2
Timken India Ltd 1,019 entered — 0.3
Added to
Angel One Ltd 85,000 +566.7% -3.7% 2.4
Bharat Electronics Ltd 44,000 +44.0% +6.9% 1.8
RBL Bank Ltd 25,000 +41.7% +1.3% 1.0
Metropolis Healthcare Ltd 8,826 +17.7% 0.0% 0.5
Trimmed
HDFC Bank Ltd 44,624 -24.8% -5.2% 3.2
State Bank of India 20,000 -20.0% +3.2% 2.1
Lemon Tree Hotels Ltd 109,763 -91.5% -2.8% 1.2
ICICI Bank Ltd 7,000 -10.0% +1.3% 1.0
Reliance Industries Ltd 7,500 -12.5% -2.4% 1.0
Hindustan Aeronautics Ltd 1,500 -30.0% +3.3% 0.7
CESC Ltd 24,672 -15.4% -11.7% 0.4
Sold out of
HCL Technologies Ltd 41,000 exited — 5.5
NTPC Ltd 105,000 exited — 3.7
Maruti Suzuki India Ltd 1,500 exited — 2.1
Motherson Sumi Wiring India Ltd 480,000 exited — 2.0
Hindustan Unilever Ltd 9,000 exited — 1.9
Data Patterns India Ltd 23 exited — 0.0
Not equityPrevious filingThis filingChange
Cash, repo and TREPS ₹0 cr ₹0 cr +₹0 cr
Debt: bills, CDs and commercial paper ₹309 cr ₹276 cr −₹33 cr

The list above is stocks and fund units. Treasury bills, repo and money-market lines roll over every month by design — they are not decisions, so they are totalled here rather than listed as activity.

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹572,037 ₹-27,963 -1.88%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 28 Sep 2026.