Franklin India Retirement Fund (IDCW)
Retirement FundNAV
16.54(0.31%)Fund Size (CR)
₹484.74Expense Ratio
2.28Scheme Type
Active FundValue Research
-
Min. investment
₹500Minimum Additional Investment
₹500Minimum SIP Investment
₹500Minimum Withdrawal
₹1,000Exit Load
3%Return Since Launch
11.00%
Basic Details
Scheme Manager
Rajasa Kakulavarapu
Bench Mark
40% Nifty 500+60% Crisil Composite Bond Fund Index
Type
OPEN
Lumpsum Returns
| Period Invested For | ₹10,000 Invested on | Latest Value | Absolute Returns | Annualised Returns | Category Avg | Rank within Category |
|---|---|---|---|---|---|---|
| 1 Week | April 13, 2026 | 10102.70 | 1.03% | - | 2.09% | 78/106 |
| 1 Month | March 20, 2026 | 10234.27 | 2.34% | - | 4.68% | 73/106 |
| 3 Month | January 20, 2026 | 9967.72 | -0.32% | - | 0.78% | 87/106 |
| 6 Month | October 20, 2025 | 9790.18 | -2.10% | - | -1.44% | 69/106 |
| 1 Year | April 17, 2025 | 10239.03 | 2.39% | 2.39% | 5.97% | 84/106 |
| 3 Year | April 20, 2023 | 13168.50 | 31.69% | 9.60% | 13.15% | 61/94 |
| 5 Year | April 20, 2021 | 14621.88 | 46.22% | 7.89% | 10.96% | 62/90 |
| Since Inception | March 31, 1997 | 207977.30 | 1979.77% | 11.00% | 10.61% | 40/106 |
Note: Lumpsum Returns since Inception Date.
SIP Returns
| Period Invested For | ₹10,000 Invested on | Investments | Latest Value | Absolute Returns | Annualised Returns |
|---|---|---|---|---|---|
| 1 Year | May 2, 2025 | 1,20,000 | 1434239.92 | 1095.20% | 1095.20% |
| 3 Year | May 2, 2023 | 3,60,000 | 4296674.93 | 1093.52% | 128.53% |
| 5 Year | May 3, 2021 | 6,00,000 | 7244660.36 | 1107.44% | 64.58% |
| 10 Year | May 2, 2016 | 12,00,000 | 14398927.00 | 1099.91% | 28.21% |
Note: SIP Returns since Inception Date.
Tax Treatment
If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.
Mutual Funds Calculator
Monthly Investment (₹)
Expected Returns Rate (%)
Time Period (in Years)
Invested Amount
₹25,000
Estimated Returns
₹19,059
76%
Returns
Future value of your investment
₹44,059
Risk Ratios
1.71%
Standard Deviation
0.42%
Beta
0.22%
Sharpe Ratio
-0.04%
Treynor's Ratio
1.10%
Jension's Alpha
Asset Allocation
Sector Allocation
Top 10 stock holding in portfolio
| Stock Invested in | % of Total Holdings | Quantity | Value (Cr) | Asset Type | Segment |
|---|---|---|---|---|---|
| HDFC Bank | 2.72% | 180000 | 13.17 | Equity | Banks |
| ICICI Bank | 2.04% | 82000 | 9.89 | Equity | Banks |
| Reliance Industr | 1.94% | 70000 | 9.41 | Equity | Refineries |
| Bharti Airtel | 1.65% | 45000 | 8.02 | Equity | Telecom-Service |
| SBI | 1.62% | 80000 | 7.84 | Equity | Banks |
| Axis Bank | 1.61% | 67000 | 7.78 | Equity | Banks |
| Larsen & Toubro | 1.48% | 20500 | 7.18 | Equity | Infrastructure Developers & Operators |
| Infosys | 1.46% | 56604 | 7.08 | Equity | IT - Software |
| HCL Technologies | 1.13% | 41000 | 5.50 | Equity | IT - Software |
| NTPC | 1.07% | 140000 | 5.19 | Equity | Power Generation & Distribution |
Peer Comparison
| Scheme Name | Value Research | Asset Size (Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW) | 1608.65 | 8.45% | 5.17% | 2.66% | 21.31% | 27.57% | |
| ICICI Pru Retirement Fund - Pure Equity - Dir (G) | 1608.65 | 8.45% | 5.17% | 2.66% | 21.31% | 27.56% | |
| ICICI Pru Retirement Fund - Hybrid AP - Dir (G) | 1040.99 | 6.96% | 2.68% | 1.82% | 17.91% | 23.61% | |
| ICICI Pru Retirement Fund - Hybrid AP - Dir (IDCW) | 1040.99 | 6.99% | 2.68% | 1.81% | 17.90% | 23.62% | |
| Aditya Birla SL Retirement-The 30s Plan-Dir (G) | 382.27 | 10.50% | 3.96% | 1.82% | 16.86% | 19.06% |
List of Schemes under Franklin Templeton Mutual Fund
News
Franklin Templeton MF announces Income Distribution cum Capital Withdrawal (IDCW) under its schemes
Franklin Templeton Mutual Fund has announced 17 April 2026 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) under the following schemes. The amount of IDCW (Rs per unit) on the face value of Rs 10 per unit will be:Franklin India Conservative Hybrid Fund ' Monthly IDCW Option: 0.070
Franklin India Conservative Hybrid Fund ' Direct ' Monthly IDCW Option: 0.090
Franklin India Equity Savings Fund ' Monthly IDCW Option: 0.070
Franklin India Equity Savings Fund ' Direct ' Monthly IDCW Option: 0.090
Franklin India Dynamic Asset Allocation Active Fund of Funds ' Monthly IDCW Option: 0.820
Franklin India Dynamic Asset Allocation Active Fund of Funds ' Direct ' Monthly IDCW Option: 1.045
Franklin Templeton MF announces Income Distribution cum Capital Withdrawal (IDCW) under its schemes
Franklin Templeton Mutual Fund has announced 20 March 2026 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) under the following schemes. The amount of IDCW (Rs per unit) on the face value of Rs 10 per unit will be:Franklin India Conservative Hybrid Fund ' Monthly IDCW Option: 0.0750
Franklin India Conservative Hybrid Fund ' Direct ' Monthly IDCW Option: 0.0950
Franklin India Conservative Hybrid Fund ' Quarterly IDCW Option: 0.225
Franklin India Conservative Hybrid Fund ' Direct ' Quarterly IDCW Option: 0.265
Franklin India Equity Savings Fund ' Monthly IDCW Option: 0.045
Franklin India Equity Savings Fund ' Direct ' Monthly IDCW Option: 0.065
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Franklin India Mutual Fund announces change in fund manager under its scheme
Franklin India Mutual Fund has announced change in fund manager under the following scheme, With effect from 13 March 2026.Change in Fund Manager:
Scheme Name Existing Fund Manager(s) New Fund Manager(s) Franklin India Dynamic Asset Allocation Active Fund of Funds ' Rajasa Kakulavarapu ' Venkatesh Sanjeevi
' Rajasa Kakulavarapu ' Venkatesh Sanjeevi
' Chandni Gupta
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Fund House Details & Investment Objective
Date of Incorporation
March 3, 1997
Total AUM (Cr)
₹484.74
Franklin India Retirement Fund (IDCW) is an Retirement Fund-oriented fund from the renowned AMC, Franklin Templeton Mutual Fund. Launched in March 3, 1997, this fund is managed by Rajasa Kakulavarapu. With assets under management (AUM) worth ₹484.74 (Cr), as of April 21, 2026, Franklin India Retirement Fund (IDCW) is categorized as a Retirement Fund within its segment. The fund has generated a return of 11.00% since its launch.
The current NAV of Franklin India Retirement Fund (IDCW) is ₹16.54, as on April 21, 2026. The fund's benchmark index is 40% Nifty 500+60% Crisil Composite Bond Fund Index. You can invest in Franklin India Retirement Fund (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹500.
Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated 9.60% and 7.89% CAGR in the last 3 and 5 years respectively.
The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 32.45% in Equity, 64.28% in Debt and 3.27% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 59.96% in Debt, 9.79% in Banks, 3.37% in Cash & Others, 2.57% in IT-Software, 2.28% in Construction
Mutual Fund Categories
Types of Mutual Funds
Debt Funds
Access debt markets and enjoy interest income from bonds and debentures. Ideal for conservative short-term investors
Hybrid Funds
Enjoy best of both the worlds - equity and debt. Ideal for beginners with medium-term investment horizon
Equity Funds
Invest in large, mid, and small cap sector stocks to enjoy capital appreciation. Ideal for aggressive, long-term investors