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Retirement · Solution Oriented

Franklin India Retirement Fund

Franklin Templeton Asset Management (India) Private Limited
Benchmark
CRISIL Short Term Debt Hybrid 60+40 Index
Riskometer
Moderately High
Size
₹477 cr
Allotted
31 Mar 1997
Holdings as of
30 Sep 2026

Franklin India Retirement Fund is a retirement fund of Franklin Templeton Asset Management (India) Private Limited with ₹477 cr under management. It is ahead of its benchmark (CRISIL Short Term Debt Hybrid 60+40 Index) in 0 of 4 periods. Its direct plan charges 1.52% a year. Rajasa Kakulavarapu has managed it for 5.1 years.

Has Franklin India Retirement Fund beaten its benchmark?

Ahead of its benchmark, CRISIL Short Term Debt Hybrid 60+40 Index, in 0 of 4 periods in AMFI's figures; −2.03% over the last year against +0.60%.

Period returns

Direct Plan, growth · 3y and longer a year
PeriodFundNifty 500 TRIAhead
1 month−1.77% −3.60% —
3 months−1.66% −5.03% —
6 months+0.06% −1.83% —
1 year−2.03% −4.06% +2.03 pts
3 years+7.04% +9.27% −2.23 pts
5 years+6.58% +8.00% −1.42 pts
10 years+7.62% +12.69% −5.07 pts
Since start
from 1 Jan 2013
+9.45%——
Valarth price history to 13 Oct 2026 · the index is the one the fund is nearest; — not on record

Official figures

AMFI performance feed, 13 Oct 2026
Ahead of its benchmark (CRISIL Short Term Debt Hybrid 60+40 Index) in 0 of 4 periods.
PeriodDirectRegularBenchmarkAheadRank
1y −2.03%−2.76%+0.60% −2.63 🔒
3y +7.03%+6.22%+7.79% −0.76 🔒
5y +6.57%+5.76%+6.93% −0.36 🔒
10y +7.61%+6.80%+9.47% −1.86 🔒
Ahead in points a year · its rank among Retirement funds, and how steady the lead is, in the app

Value of 100, month-end

Oct 2016 to 13 Oct 2026
50100150200250300350400 20172019202120232025
Fund 208Nifty 500 TRI 327

₹100 put in at the start of Oct 2016 would be ₹208 on 13 Oct 2026, against ₹327 in the Nifty 500 TRI.

Risk, falls and every year

🔒 Pro
Its worst fall and how long it took to recover, three-year stretches, Sharpe, beta and capture ratios, calendar years beside the index, and money in and out: in the app.
See them in the app →

What does Franklin India Retirement Fund cost?

1.52% a year on the direct plan, 2.25% on the regular plan; 28 of 29 funds in its category charge less.

Direct plan
1.52% a year
Category median 1.16%
Regular plan
2.25% a year
Category median 2.16%
Gap
0.73 points
for the same holdings
28 of 29 funds in its category charge less on the direct plan.
Expense report, Oct 2026 · Solution Oriented Scheme - Retirement Fund

What the regular plan costs you over time

🔒 Pro
The same money left for years in the direct and the regular plan, side by side, and what the commission takes: in the app.

Who manages Franklin India Retirement Fund?

Anuj Tagra, since 30 Apr 2024; Chandni Gupta, since 1 Oct 2026; Rajasa Kakulavarapu, since 6 Sep 2021.

Anuj Tagra
Debt
2.5 years
since 30 Apr 2024
Chandni Gupta
0.0 years
since 1 Oct 2026
Rajasa Kakulavarapu
Equity
5.1 years
since 6 Sep 2021
And 1 more; every manager, the other funds each runs and the changes over time are in the app.
Benchmark as filedCRISIL Short Term Debt Hybrid 60+40 Index
Exit load
3% if redeemed before the age of 58 years; Nil if redeemed after the age of 58 years.
From 122 Scheme Summary Documents filed with NSE, first on 12 Apr 2026; as on 13 Oct 2026

What does Franklin India Retirement Fund hold?

64 holdings as of 30 Sep 2026; the ten largest are 51.9% of the fund, the largest 7.48% National Bank For Agriculture & Rural Development (15-Sep-2028) at 9.4%.

Mix

Holdings as of 30 Sep 2026
Equity86.7%Debt5.2%Cash7.4%Other0.6%
Holdings
64
60 shares
Top ten
51.9%
of the fund
Effective holdings
22.9
spread, as if equal-weighted
Matched to our table
40%
of the equity

Five largest

% of fund
7.48% National Bank For Agriculture & Rural Development (15-Sep-2028)9.37%
0.00% Jubilant Bevco Ltd (31-May-2028)6.26%
7.68% Small Industries Development Bank Of India (10-Aug-2027)5.42%
7.90% Bajaj Housing Finance Ltd (28-Apr-2028) **5.37%
7.70% Poonawalla Fincorp Ltd (21-Apr-2028) **5.35%

Five largest industries

% of fund
CRISIL AAA30.5%
CRISIL AA12.0%
IND AAA10.8%
Banks8.20%
CARE AAA6.10%

How does Franklin India Retirement Fund score against its category?

Seven scores against funds of its kind, and the warning signs it trips.

Scorecard

🔒 Pro
Seven scores, each out of 5, against funds in its category, with the reasons, and the warning signs it trips: in the app.
Open scorecard in the app →

Are the companies inside any good?

The holdings by valuation, forensic risk, business quality and balance sheet, weighted by their share of the fund.

The companies inside

🔒 Pro
The holdings weighted by their share of the fund: P/E and ROE, forensic risk levels, Valarth's valuation view, quality, moats, balance sheets and who owns them: in the app.

How is Franklin India Retirement Fund run?

Turnover, what it bought and sold, its cash and its record in new listings, from its monthly holdings files.

How it is run

🔒 Pro
Turnover, what it bought and sold and when, how long it holds, size drift, cash and its record in new listings, from up to two years of monthly holdings files: in the app.

Which funds hold much the same?

The index it is nearest and the funds whose holdings overlap most.

not an index tracker
Nearest to the Nifty 500: 76% of it differs from the index (an active fund is usually above 60%).
Active share 76.3%60%

Funds that hold much the same

% of holdings in common
Franklin India Conservative Hybrid Fund70.3% the same
55 shared holdings
Franklin India Balanced Advantage Fund49.6% the same
52 shared holdings
Franklin India Aggressive Hybrid Fund49.6% the same
52 shared holdings

How much is in its sponsor's own group?

Holdings in companies of the fund house's sponsor group, beside the index.

Related-party exposure

🔒 Pro
How much of the fund is in companies of its sponsor's own group, beside what the index holds of them: in the app.

Questions people ask

Who manages Franklin India Retirement Fund?

Anuj Tagra (Debt) since 30 Apr 2024; Chandni Gupta (manager) since 1 Oct 2026; Rajasa Kakulavarapu (Equity) since 6 Sep 2021; Ajay Argal (manager) since 4 Oct 2024.

What is the expense ratio of Franklin India Retirement Fund?

1.52% a year on the direct plan and 2.25% on the regular plan (expense report, Oct 2026).

How has Franklin India Retirement Fund done?

Its direct plan returned +7.03% a year over 3 years against +7.79% for its benchmark, CRISIL Short Term Debt Hybrid 60+40 Index, as of 13 Oct 2026.

Inside the app

See Franklin India Retirement Fund beside your own funds in Valarth

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Franklin India Retirement Fund in the app: beside your own funds, with what you own through them

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