
Franklin India Retirement Fund Direct Growth
Franklin India Retirement Fund Direct Growth
as on 06 Nov 2026
Franklin India Retirement Fund Direct Growth is a Solution Oriented mutual fund scheme launched on 01 Jan 2013. The current NAV stands at ₹242.3156 as of 06 Nov 2026. From the funds total AUM, its top holdings include NABARD-7.48%-15092028-NCD at 9.66%, Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited) at 7.79%, Jubilant Bevco Limited at 5.97%, LIC Housing Finance Ltd at 5.48%, SIDBI-7.68%-10082027-NCD at 5.16%
Scheme Overview
- Inception Date : 01 Jan 2013
- AUM : ₹476.97 Cr
- 5Y Returns (CAGR) : 7.01%
- Expense Ratio : 1.51%
- Min. SIP : ₹500
- Min. Lumpsum : ₹500
Returns Calculator
basis annualised returns
Investment Type
SIP Amount
Investment Period
5Y
₹ 32.73 L
3.50%
₹ 36.98 L
8.00%
₹ 36.01 L
7.01%
Total Investment
₹ 30,00,000
Returns
₹ 6,01,488 (7.01%)
Maturity Value
₹ 36,01,488
Disclaimer: Fixed deposits offer guaranteed returns. Mutual fund investments carry market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.
Direct vs Regular Returns
Sorry, No Data Available at this Moment!
Returns vs Category
Sorry, No Data Available at this Moment!
*The above returns are absolute
Returns Vs Nifty 50
Historical Returns
Sorry, No Data Available at this Moment!
Start SIP with as Low as ₹100.
Historical NAV
Sorry, No Data Available at this Moment!
Asset Allocation
AUM
₹ 476.97 Cr
Cash Holding
-
Equity
-
Cash
-
Debt
-
Other
-
Asset Allocation
AUM
₹476.97 Cr
Cash Holding
-
Equity
-
Cash
-
Debt
-
Other
-
Sector Holdings
as of 15 Jun 2026
| Sectors | Allocation | Weightage | Value (in Cr.) |
|---|---|---|---|
| Other | 66.95% | ||
| Financial Services | 10.70% | ||
| Industrials | 4.69% | ||
| Consumer Cyclical | 3.83% | ||
| Healthcare | 2.90% | ||
| Technology | 2.38% | ||
| Energy | 1.86% | ||
| Basic Materials | 1.63% | ||
| Utilities | 1.54% | ||
| Communication Services | 1.49% | ||
| Consumer Defensive | 1.40% | ||
| Real Estate | 0.64% |
Stock Holdings
as of 15 Jun 2026
| Name | Allocation | Weightage |
|---|---|---|
![]() N NABARD-7.48%-15092028-NCD | 9.66% | |
![]() K Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited) | 7.79% | |
![]() J Jubilant Bevco Limited | 5.97% | |
![]() L LIC Housing Finance Ltd | 5.48% | |
![]() S SIDBI-7.68%-10082027-NCD | 5.16% | |
![]() B Bajaj Housing Finance Limited | 5.15% | |
![]() P Poonawalla Fincorp Limited | 5.09% | |
![]() N NBFID-7.03%-08042030-NCD | 5.07% | |
![]() U Union Bank Of India | 4.81% | |
![]() J Jubilant Beverages Limited | 3.98% | |
![]() H HDFC Bank | 2.84% | |
![]() I ICICI Bank | 2.21% | |
![]() B BTL-8.75%-05112028-NCD | 2.17% | |
![]() S SDL MH 7.66% 2047 | 2.15% | |
![]() S State Bank of India | 2.07% | |
![]() A Axis Bank | 1.86% | |
![]() R Reliance Industries | 1.86% | |
![]() L Larsen & Toubro | 1.73% | |
![]() R REC LTD 0% 2034 SR 239 | 1.71% | |
![]() B Bharti Airtel | 1.49% | |
![]() I Infosys | 1.30% | |
![]() M Mahindra & Mahindra | 1.21% | |
![]() K Kotak Mahindra Investments Limited | 1.10% | |
![]() C Call, Cash & Other Assets | 1.03% | |
![]() E Eternal | 1.02% | |
![]() N NTPC | 0.99% | |
![]() U UltraTech Cement | 0.95% | |
![]() H HCL Technologies | 0.93% | |
![]() K Kirloskar Oil Engines | 0.82% | |
![]() A Apollo Hospitals | 0.79% | |
![]() C Cipla | 0.76% | |
![]() B Britannia Industries | 0.71% | |
![]() M Marico | 0.69% | |
![]() T Tata Steel | 0.68% | |
![]() P Phoenix Mills | 0.64% | |
![]() F Franklin India Long Duration Dir Gr | 0.61% | |
![]() B Bharat Electronics | 0.58% | |
![]() M Metropolis Healthcare | 0.58% | |
![]() C CESC | 0.55% | |
![]() I Interglobe Aviation | 0.49% | |
![]() I ICICI Lombard General Insurance | 0.49% | |
![]() H Hindustan Aeronautics | 0.43% | |
![]() E Eris Lifesciences | 0.43% | |
![]() M Maruti Suzuki | 0.42% | |
![]() A Amber Enterprises | 0.42% | |
![]() C Cholamandalam Investment | 0.40% | |
![]() M Motherson Sumi Wiring | 0.37% | |
![]() H HDFC Life Insurance | 0.35% | |
![]() L Lenskart Solutions | 0.34% | |
![]() A Ashok Leyland | 0.32% | |
![]() P PNB Housing Finance | 0.31% | |
![]() A Amara Raja Energy & Mobility | 0.30% | |
![]() L Lemon Tree Hotels | 0.27% | |
![]() D Dixon Technologies | 0.15% | |
![]() Z ZF Commercial | 0.12% | |
![]() A Angel One | 0.11% | |
![]() C Canara HSBC Life Insurance Company | 0.06% | |
![]() H Hindustan Unilever | 0.00% | |
![]() V V Mart Retail | 0.00% |
Fund Comparison
Fund Details
52W High NAV
₹ 244.9889
Min. SIP Amount
₹ 500.00
Min. Lumpsum Amount
₹ 500.00
AUM (in Cr.)
₹ 476.97
Expense Ratio
1.51%
Lock-in Period
5.0 Years
52W Low NAV
₹ 230.5828
Inception Date
01 Jan 2013
Fund Age
13 Yrs
Benchmark
CRISIL Short Term Debt Hybrid 60+40 Index
Scheme Type
Open Ended
Stamp Duty
0.005% (from July 1st 2020)
Exit Load
- Exit load of 3% if redeemed before the age of 58 yrs.
Tax Implication
- If you redeem within 1 year, STCG are taxed at 20%; If you redeem after 1 year, and returns exceed ₹1.25 Lakhs in a financial year, LTCG are taxed at 12.5%
Fund Managers
| Name | Qualification |
|---|---|
| Ajay Argal | B. Tech (IIT Mumbai), PGDM (IIM Banglore) |
| Chandni Gupta | B.E. degree in IT and CFA degree from CFA Institute, USA. |
| Anuj Tagra | Graduate of Guru Gobind Singh Indraprastha University and MBA from Narsee Manjee Institute of Management Studies |
| Rajasa Kakulavarapu | B.Tech. (ECE) from NIT, Jaipur and MBA from Indian Institute of Management, Ahmedabad |
Fund Objective
The Fund seeks to provide investors regular income under the Dividend Plan and capital appreciation under the Growth Plan.
Risk-O-Meter
Investors understand that their principal will be at
Moderately High Risk
Risk Scale
Low
Moderately Low
Moderate
Moderately High
High
Very High
AMC Information
Franklin Templeton Mutual Fund
No. of Schemes
35
Total AUM
₹ 1,21,775.93 Cr
Contact Details
Tower 2, 12th and 13h Floor,Senapati Bapat Marg,Elphinstone Road(West), Mumbai-400013
Contact Details
Tower 2, 12th and 13h Floor,Senapati Bapat Marg,Elphinstone Road(West), Mumbai-400013
FAQs
When was Franklin India Retirement Fund launched?
What is the current NAV of Franklin India Retirement Fund?
What is the AUM of Franklin India Retirement Fund?
What is the rate of return of Franklin India Retirement Fund?
- In the past 1Y: -0.81%
- In the past 3Y: 7.96%
- In the past 5Y: 7.01%
What is the expense ratio of Franklin India Retirement Fund?
What is exit load of Franklin India Retirement Fund?
What is the portfolio of Franklin India Retirement Fund?
- HDFC Bank: 2.84%
- ICICI Bank: 2.21%
- State Bank of India: 2.07%
- Axis Bank: 1.86%
- Reliance Industries: 1.86%
Top 3 sectoral holdings include:
- Others: 66.95%
- Financial Services: 10.70%
- Industrials: 4.69%
How risky is investing in Franklin India Retirement Fund?
Who is the fund manager Franklin India Retirement Fund?
What is the minimum investment required in Franklin India Retirement Fund?
How to invest in Franklin India Retirement Fund directly?
- Open Demat Account on Dhan if you don't have one.
- Analyze the fund performance.
- Invest via SIP or Lumpsum.

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