Franklin India Retirement Fund - Direct Plan - IDCW

NAVs of 8 Nov 2026

Franklin Templeton Mutual Fund · Solution oriented fund · Direct plan · IDCW

RetirementDirect · IDCWRisk: Moderately High

NAV · 6 Nov 2026

₹18.4317 ▲ 0.34%

Franklin Templeton Mutual Fund

Fund size₹493 crJuly - September 2026

1-month range₹17.79 – 18.43

1 year-8.40%

Expense ratio1.52%direct plan, a year

5 years-1.63%a year

What the fund does

The Fund seeks to provide investors regular income under the Income Distribution cum capital withdrawal Plan and capital appreciation under the Growth Plan.

BenchmarkCRISIL Short Term Debt Hybrid 60+40 Index

Fund houseFranklin Templeton Mutual Fund

Fund managersDebt: Anuj TagraampChandni GuptaEquity: Rajasa KakulavarapuampAjay Argal

NAV history

Returns

1 week

+2.80%avg 4.3%

1 month

+2.13%avg 3.3%

3 months

-0.54%avg -0.6%

6 months

+1.47%avg 2.5%

This year

-0.52%avg 1.4%

1 year

-8.40%avg 2.5%

3 years (a year)

-0.87%avg 10.4%

5 years (a year)

-1.63%avg 9.5%

Bars: this plan; the thin mark is the Retirement average (direct plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2024												+0.4
2025	-10.1	-2.5	+3.0	+1.8	+2.3	+1.4	-0.5	-1.0	+0.4	+1.8	+0.5	-8.5
2026	-1.2	+0.3	-4.5	+2.8	-0.3	+1.8	+0.5	+0.3	-2.1	-0.8	+2.8

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Amount (₹) Started

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 30 Sept 2026

Stocks held4964 lines in all

Top 10 stocks13.7%of the fund

Equity35.1%stocks and equity derivatives

Debt & cash64.9%everything else

Where the money is

Equity 35.1%Debt 53.8%Money market 3.1%Cash & others 8.0%

Sectors (stocks held)

Banks

7.1%

Automobiles

2.3%

Pharmaceuticals & Biotechnology

1.9%

Consumer Durables

1.9%

Retailing

1.8%

Industrial Products

1.7%

Capital Markets

1.7%

Aerospace & Defense

1.5%

Credit quality (debt and money market)

AAA

41.2%

10.4%

A1+

3.1%

Sovereign

2.1%

Changes since 31 Aug 2026

Share of fund	30 Sept 2026	31 Aug 2026	Change
Stocks held	35.1%	34.5%	+0.56
Debt	53.8%	53.0%	+0.80
Money market	3.1%	3.0%	+0.10
Cash & others	8.0%	9.5%	-1.44
Top 10 stocks	13.7%	15.1%	-1.39
Number of stocks	49	45	+4

New stocks 7

TVS Motor Co Ltd0.64%
Astral Ltd0.63%
Sbi Funds Management Ltd0.54%
360 One Wam Ltd0.54%
Exide Industries Ltd0.43%
Data Patterns India Ltd0.31%
Sedemac Mechatronics Ltd0.02%

Stocks sold off 3

CESC Ltdwas 0.40%
Hindustan Aeronautics Ltdwas 0.34%
Lemon Tree Hotels Ltdwas 0.02%

Cut back 4

Reliance Industries Ltd-0.49
HDFC Bank Ltd-0.47
PB Fintech Ltd-0.29
ICICI Bank Ltd-0.26

Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.

Stocks held 49

Holding	Sector / type	% of fund
Axis Bank Ltd INE238A01034	Banks	1.71%
State Bank of India INE062A01020	Banks	1.60%
ICICI Bank Ltd INE090A01021	Banks	1.60%
HDFC Bank Ltd INE040A01034	Banks	1.48%
Eternal Ltd INE758T01015	Retailing	1.34%
Bharti Airtel Ltd INE397D01024	Telecom - Services	1.28%
Larsen & Toubro Ltd INE018A01030	Construction	1.18%
Infosys Ltd INE009A01021	IT - Software	1.17%
Mahindra & Mahindra Ltd INE101A01026	Automobiles	1.17%
Bharat Electronics Ltd INE263A01024	Aerospace & Defense	1.17%
Kirloskar Oil Engines Ltd INE146L01010	Industrial Products	0.96%
Reliance Industries Ltd INE002A01018	Petroleum Products	0.87%
Ultratech Cement Ltd INE481G01011	Cement & Cement Products	0.78%
Dixon Technologies (India) Ltd INE935N01020	Consumer Durables	0.77%
Cipla Ltd INE059A01026	Pharmaceuticals & Biotechnology	0.76%
Tata Power Co Ltd INE245A01021	Power	0.75%
Pine Labs Ltd INE15B701018	Financial Technology (Fintech)	0.72%
RBL Bank Ltd INE976G01028	Banks	0.72%
Global Health Ltd INE474Q01031	Healthcare Services	0.71%
Britannia Industries Ltd INE216A01030	Food Products	0.71%
Marico Ltd INE196A01026	Agricultural Food & Other Products	0.69%
Dr. Reddy's Laboratories Ltd INE089A01031	Pharmaceuticals & Biotechnology	0.67%
Metropolis Healthcare Ltd INE112L01020	Healthcare Services	0.66%
Tata Steel Ltd INE081A01020	Ferrous Metals	0.65%
TVS Motor Co Ltd INE494B01023	Automobiles	0.64%
Astral Ltd INE006I01046	Industrial Products	0.63%
Asian Paints Ltd INE021A01026	Consumer Durables	0.60%
Phoenix Mills Ltd INE211B01039	Realty	0.59%
Angel One Ltd INE732I01021	Capital Markets	0.57%
Ashok Leyland Ltd INE208A01029	Agricultural, Commercial & Construction Vehicles	0.56%
Amber Enterprises India Ltd INE371P01015	Consumer Durables	0.54%
Sbi Funds Management Ltd INE640G01020	Capital Markets	0.54%
360 One Wam Ltd INE466L01038	Capital Markets	0.54%
Interglobe Aviation Ltd INE646L01027	Transport Services	0.52%
Hyundai Motor India Ltd INE0V6F01027	Automobiles	0.51%
Eris Lifesciences Ltd INE406M01024	Pharmaceuticals & Biotechnology	0.50%
Lenskart Solutions Ltd INE956O01016	Retailing	0.48%
ICICI Lombard General Insurance Co Ltd INE765G01017	Insurance	0.46%
TBO Tek Ltd INE673O01025	Leisure Services	0.46%
Exide Industries Ltd INE302A01020	Auto Components	0.43%
Suzlon Energy Ltd INE040H01021	Electrical Equipment	0.41%
Cholamandalam Investment and Finance Co Ltd INE121A01024	Finance	0.41%
PB Fintech Ltd INE417T01026	Financial Technology (Fintech)	0.40%
Emmvee Photovoltaic Power Ltd INE1C6T01020	Electrical Equipment	0.40%
Data Patterns India Ltd INE0IX101010	Aerospace & Defense	0.31%
Aptus Value Housing Finance India Ltd INE852O01025	Finance	0.24%
ZF Commercial Vehicle Control Systems India Ltd INE342J01019	Auto Components	0.17%
Timken India Ltd INE325A01013	Industrial Products	0.07%
Sedemac Mechatronics Ltd INE00XB01019	Auto Components	0.02%

Show 34 moreShow fewer

Debt, money market and cash 15

Holding	Sector / type	% of fund
7.48% National Bank For Agriculture & Rural Development (15-Sep-2028) INE261F08EO7	IND AAA	9.37%
Call, Cash & Other Assets	–	7.40%
0.00% Jubilant Bevco Ltd (31-May-2028) INE1D4P08019	CRISIL AA	6.26%
7.68% Small Industries Development Bank Of India (10-Aug-2027) INE556F08KP4	CRISIL AAA	5.42%
7.90% Bajaj Housing Finance Ltd (28-Apr-2028) ** INE377Y07417	CRISIL AAA	5.37%
7.70% Poonawalla Fincorp Ltd (21-Apr-2028) ** INE511C07847	CRISIL AAA	5.35%
7.90% LIC Housing Finance LTD (23-Jun-2027) ** INE115A07PV9	CARE AAA	5.33%
7.03% National Bank for Financing Infrastructure and Development (08-Apr-2030) ** INE0KUG08076	CRISIL AAA	5.25%
0.00% Jubilant Beverages Ltd (31-May-2028) ** INE1D4O08012	CRISIL AA	4.17%
Canara Bank (30-Nov-2026) ** INE476A16K06	CRISIL A1+	3.10%
8.75% Bharti Telecom Ltd (05-Nov-2028) ** INE403D08256	CRISIL AAA	2.27%
7.66% Maharashtra SDL (04-Mar-2047) IN2220250509	SOVEREIGN	2.15%
0.00% REC Ltd (03-Nov-2034) ** INE020B08FJ3	CRISIL AAA	1.76%
8.3774% Kotak Mahindra Investments Ltd (21-Jun-2027) ** INE975F07IR8	CRISIL AAA	1.07%
Franklin India Long Term Fund -Direct Plan -Growth INF090I01XY7	Mutual Fund	0.64%

Show 5 moreShow fewer

From the fund house's monthly portfolio (franklintempletonindia.com), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility10.0%yearly, from daily NAVs

Worst fall-20.15%29 Dec 2017 → 31 Mar 2020

RiskometerModerately HighModerately High

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 31 May 2016).

Fund details

Fund size (average AUM, July - September 2026)	₹493 cr across all plans · this plan ₹4.14 cr
Fund house	Franklin Templeton Mutual Fund
Category	Solution oriented · Retirement
Plan	Direct
Option	IDCW
Expense ratio (TER)	Direct 1.52% · Regular 2.25% (6 Nov 2026)
Exit load	3% if redeemed before the age of 58 years; Nil if redeemed after the age of 58 years.
Minimum investment	₹500 · additional ₹500
Scheme code (AMFI)	118549
ISIN	INF090I01KA4
NAV date	6 Nov 2026

Scheme details from the fund's scheme summary document filed with AMFI; expense ratios from AMFI's daily filings.

Other plans of this fund

Plan	NAV	1 year
Direct · Growth	₹242.3156	-0.21%
Regular · Growth	₹218.9650	-0.94%
Regular · IDCW	₹16.6253	-8.55%

Top Retirement funds (direct plans)

Fund	1 year	3 years (a year)
ICICI Prudential Retirement Fund Pure Equity Plan	+3.85%	+20.62%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan	+3.07%	+17.72%
Aditya Birla Sun Life Retirement Fund-The 30s Plan	+12.87%	+17.54%
Union Retirement Fund	+4.89%	+13.90%
Aditya Birla Sun Life Retirement Fund-The 40s Plan	+3.00%	+12.44%
Nippon India Retirement Fund- Wealth Creation Scheme	-1.13%	+11.85%
HDFC Retirement Fund - Equity Plan	-1.87%	+11.31%
BANDHAN RETIREMENT FUND	+3.13%	+10.98%

All Retirement funds ranked › · Compare with others ›

← All mutual funds

Information only, not investment advice.

What is the NAV of Franklin India Retirement Fund - Direct Plan - IDCW today?

₹18.4317 as of 6 Nov 2026, from AMFI's official NAV data.

What are the returns of Franklin India Retirement Fund - Direct Plan - IDCW?

1 year: -8.40%, 3 years: -0.87% a year, 5 years: -1.63% a year

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.