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6 Best Debt Funds by Franklin Templeton Mutual Fund 2022
The Debt fund offered by Franklin Templeton aim to provide optimal returns by Investing in high-quality government securities. Through debt funds, investors can easily plan their short to mid term Financial goals. Schemes like Liquid Funds, ultra short term funds and short term funds by Franklin Templeton helps in fulfilling one’s financial goals.
Investors planning to invest can choose funds from the below top 7 Best Debt Funds by Franklin Templeton Mutual Fund. These funds have been shortlisted by undertaking certain important parameters like AUM, NAV, past performances, the average maturity of the portfolio, duration, etc.
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Why Invest in Franklin Templeton Mutual Fund?
An investor can invest in debt schemes with an amount as low as INR 500 via a SIP and INR 5,000 via a lump sum amount investment
Debt funds are considered to be an ideal investment for generating regular Income. For example, choosing dividend payout can be an option for regular income.
Since, debt funds largely invest in government securities, corporate debt and other securities like treasury bills, etc., they are not affected by equity Market volatility.
Best Franklin Templeton Debt Funds
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2021 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Franklin India Savings Fund Growth ₹40.0825
↑ 0.00 ₹1,012 0.9 1.8 3.6 5.9 3.6 3.66% 1M 10D 1M 13D Franklin India Corporate Debt Fund Growth ₹79.8186
↑ 0.01 ₹822 0.7 1.8 4 7.1 3.8 4.9% 1Y 5M 1D 1Y 8M 8D Franklin India Banking And PSU Debt Fund Growth ₹18.1175
↑ 0.01 ₹814 0.8 1.8 4 7.8 3.7 4.93% 1Y 7M 13D 1Y 10M 28D Franklin India Short Term Income Plan - Retail Plan Growth ₹4,444.82
↑ 3.00 ₹548 1.4 11.9 14.4 4.2 15 0% 2Y 8M 22D Franklin India Credit Risk Fund Growth ₹22.6805
↑ 0.02 ₹322 1.3 8.2 13 5.5 13.8 0% 4Y 6M 1D Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹32.9077
↑ 0.01 ₹281 4 7.6 12.3 8.4 11.9 0% 1Y 5M 6D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 25 Jan 22
(Erstwhile Franklin India Savings Plus Fund Retail Option) Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments. Franklin India Savings Fund is a Debt - Money Market fund was launched on 11 Feb 02. It is a fund with Moderately Low risk and has given a Below is the key information for Franklin India Savings Fund Returns up to 1 year are on (Erstwhile Franklin India Income Builder Account - Plan A) The investment objective of the Scheme is primarily to provide investors Regular income under the Dividend Plan and Capital appreciation under the Growth Plan. Franklin India Corporate Debt Fund is a Debt - Corporate Bond fund was launched on 23 Jun 97. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Corporate Debt Fund Returns up to 1 year are on The fund seeks to provide income through a portfolio of debt and money market instruments consisting predominantly of securities issued by entities such as Banks and Public Sector Undertakings (PSUs). However, there is no assurance or guarantee that the objective of the scheme will be achieved. Franklin India Banking And PSU Debt Fund is a Debt - Banking & PSU Debt fund was launched on 25 Apr 14. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Banking And PSU Debt Fund Returns up to 1 year are on The objective of the Scheme is to provide investors stable returns by investing in fixed income securities. Franklin India Short Term Income Plan - Retail Plan is a Debt - Short term Bond fund was launched on 31 Jan 02. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Short Term Income Plan - Retail Plan Returns up to 1 year are on (Erstwhile Franklin India Corporate Bond Opportunities Fund) The Fund seeks to provide regular income and capital appreciation through a focus on corporate securities. Franklin India Credit Risk Fund is a Debt - Credit Risk fund was launched on 30 Nov 11. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Credit Risk Fund Returns up to 1 year are on To provide a combination of regular income and high liquidity by investing primarily in a mix of short term debt and money market instruments. Franklin India Ultra Short Bond Fund - Super Institutional Plan is a Debt - Ultrashort Bond fund was launched on 18 Dec 07. It is a fund with Moderate risk and has given a Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan Returns up to 1 year are on 1. Franklin India Savings Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 47 in Money Market category. Return for 2021 was 3.6% , 2020 was 6% and 2019 was 8.5% . Franklin India Savings Fund
Growth Launch Date 11 Feb 02 NAV (25 Jan 22) ₹40.0825 ↑ 0.00 (0.00 %) Net Assets (Cr) ₹1,012 on 31 Dec 21 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.29 Sharpe Ratio 0.22 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 3.66% Effective Maturity 1 Month 13 Days Modified Duration 1 Month 10 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 16 ₹10,000 31 Dec 17 ₹10,717 31 Dec 18 ₹11,521 31 Dec 19 ₹12,499 31 Dec 20 ₹13,249 31 Dec 21 ₹13,723 Returns for Franklin India Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Jan 22 Duration Returns 1 Month 0.3% 3 Month 0.9% 6 Month 1.8% 1 Year 3.6% 3 Year 5.9% 5 Year 6.4% 10 Year 15 Year Since launch 7.2% Historical performance (Yearly) on absolute basis
Year Returns 2021 3.6% 2020 6% 2019 8.5% 2018 7.5% 2017 7.2% 2016 8.1% 2015 8.3% 2014 8.9% 2013 9.1% 2012 9.8% Fund Manager information for Franklin India Savings Fund
Name Since Tenure Umesh Sharma 25 Oct 18 3.19 Yr. Pallab Roy 6 Jun 08 13.58 Yr. Data below for Franklin India Savings Fund as on 31 Dec 21
Asset Allocation
Asset Class Value Cash 95.32% Debt 4.68% Debt Sector Allocation
Sector Value Cash Equivalent 61.85% Corporate 30.87% Government 7.28% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 8.2% Govt Stock 2022
Sovereign Bonds | -10% ₹100 Cr 10,000,000 364 Dtb 12012023
Sovereign Bonds | -5% ₹45 Cr 4,677,200
↑ 4,677,200 Call, Cash & Other Assets
Net Current Assets | -29% ₹273 Cr L&T Finance Limited
Commercial Paper | -5% ₹50 Cr 1,000 Bajaj Housing Finance Limited
Commercial Paper | -5% ₹50 Cr 1,000 Kotak Mahindra Bank Limited (Formerly Kotak Mahindra Finance Limited)
Certificate of Deposit | -5% ₹50 Cr 5,000 Housing Development Finance Corporation Limited
Commercial Paper | -5% ₹50 Cr 1,000 Small Industries Development Bank Of India
Certificate of Deposit | -5% ₹50 Cr 5,000 Kotak Mahindra Prime Limited
Commercial Paper | -5% ₹50 Cr 1,000 HDFC Bank Limited
Certificate of Deposit | -5% ₹49 Cr 1,000 2. Franklin India Corporate Debt Fund
CAGR/Annualized return of 8.8% since its launch. Ranked 22 in Corporate Bond category. Return for 2021 was 3.8% , 2020 was 9% and 2019 was 9.2% . Franklin India Corporate Debt Fund
Growth Launch Date 23 Jun 97 NAV (25 Jan 22) ₹79.8186 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹822 on 31 Dec 21 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.88 Sharpe Ratio 0.2 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 4.9% Effective Maturity 1 Year 8 Months 8 Days Modified Duration 1 Year 5 Months 1 Day Growth of 10,000 investment over the years.
Date Value 31 Dec 16 ₹10,000 31 Dec 17 ₹10,767 31 Dec 18 ₹11,574 31 Dec 19 ₹12,640 31 Dec 20 ₹13,780 31 Dec 21 ₹14,301 Returns for Franklin India Corporate Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Jan 22 Duration Returns 1 Month 0.2% 3 Month 0.7% 6 Month 1.8% 1 Year 4% 3 Year 7.1% 5 Year 7.2% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2021 3.8% 2020 9% 2019 9.2% 2018 7.5% 2017 7.7% 2016 9% 2015 8.4% 2014 13% 2013 7.5% 2012 12% Fund Manager information for Franklin India Corporate Debt Fund
Name Since Tenure Sachin Padwal-Desai 25 Oct 18 3.19 Yr. Santosh Kamath 1 Aug 18 3.42 Yr. Umesh Sharma 25 Oct 18 3.19 Yr. Data below for Franklin India Corporate Debt Fund as on 31 Dec 21
Asset Allocation
Asset Class Value Cash 28.85% Debt 71.15% Debt Sector Allocation
Sector Value Government 36.9% Corporate 34.45% Cash Equivalent 28.65% Credit Quality
Rating Value AA 3.85% AAA 96.15% Top Securities Holdings / Portfolio
Name Holding Value Quantity Food Corporation Of India
Debentures | -7% ₹57 Cr 550 Sikka Ports & Terminals Limited
Debentures | -6% ₹52 Cr 500 Housing Development Finance Corporation Ltd
Debentures | -6% ₹52 Cr 500 Ongc Petro Additions Limited
Debentures | -5% ₹43 Cr 430 7.17% Govt Stock 2028
Sovereign Bonds | -4% ₹31 Cr 3,000,000 Ongc Petro Additions Limited
Debentures | -3% ₹27 Cr 264 Rec Limited
Debentures | -3% ₹26 Cr 250 Rural Electrification Corporation Limited
Debentures | -3% ₹25 Cr 250 Indian Railway Finance Corporation Limited
Debentures | -3% ₹25 Cr 250 National Housing Bank
Debentures | -3% ₹25 Cr 250 3. Franklin India Banking And PSU Debt Fund
CAGR/Annualized return of 8% since its launch. Ranked 40 in Banking & PSU Debt category. Return for 2021 was 3.7% , 2020 was 9.1% and 2019 was 11.2% . Franklin India Banking And PSU Debt Fund
Growth Launch Date 25 Apr 14 NAV (25 Jan 22) ₹18.1175 ↑ 0.01 (0.05 %) Net Assets (Cr) ₹814 on 31 Dec 21 Category Debt - Banking & PSU Debt AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.53 Sharpe Ratio 0.12 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 4.93% Effective Maturity 1 Year 10 Months 28 Days Modified Duration 1 Year 7 Months 13 Days Growth of 10,000 investment over the years.
Date Value 31 Dec 16 ₹10,000 31 Dec 17 ₹10,634 31 Dec 18 ₹11,363 31 Dec 19 ₹12,636 31 Dec 20 ₹13,790 31 Dec 21 ₹14,299 Returns for Franklin India Banking And PSU Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Jan 22 Duration Returns 1 Month 0.2% 3 Month 0.8% 6 Month 1.8% 1 Year 4% 3 Year 7.8% 5 Year 7.2% 10 Year 15 Year Since launch 8% Historical performance (Yearly) on absolute basis
Year Returns 2021 3.7% 2020 9.1% 2019 11.2% 2018 6.9% 2017 6.3% 2016 9.7% 2015 7.3% 2014 2013 2012 Fund Manager information for Franklin India Banking And PSU Debt Fund
Name Since Tenure Sachin Padwal-Desai 25 Apr 14 7.69 Yr. Umesh Sharma 25 Apr 14 7.69 Yr. Mayank Bukrediwala 24 Aug 20 1.35 Yr. Data below for Franklin India Banking And PSU Debt Fund as on 31 Dec 21
Asset Allocation
Asset Class Value Cash 29.64% Debt 70.36% Debt Sector Allocation
Sector Value Government 56.55% Cash Equivalent 22.36% Corporate 21.09% Credit Quality
Rating Value AA 1.52% AAA 98.48% Top Securities Holdings / Portfolio
Name Holding Value Quantity Housing And Urban Development Corporation Limited
Debentures | -6% ₹51 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -6% ₹49 Cr 500 Power Finance Corporation Ltd.
Debentures | -5% ₹42 Cr 400 Indian Railway Finance Corporation Limited
Debentures | -5% ₹38 Cr 360 7.17% Govt Stock 2028
Sovereign Bonds | -4% ₹36 Cr 3,500,000 Nhpc Limited
Debentures | -4% ₹31 Cr 300 Small Industries Development Bank Of India
Debentures | -4% ₹30 Cr 300 Ongc Petro Additions Limited
Debentures | -4% ₹30 Cr 300 Ntpc Limited
Debentures | -3% ₹27 Cr 250 Rec Limited
Debentures | -3% ₹26 Cr 250 4. Franklin India Short Term Income Plan - Retail Plan
CAGR/Annualized return of 7.8% since its launch. Ranked 19 in Short term Bond category. Return for 2021 was 15% , 2020 was -5.3% and 2019 was 4.2% . Franklin India Short Term Income Plan - Retail Plan
Growth Launch Date 31 Jan 02 NAV (25 Jan 22) ₹4,444.82 ↑ 3.00 (0.07 %) Net Assets (Cr) ₹548 on 31 Dec 21 Category Debt - Short term Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 1.5 Sharpe Ratio 1.19 Information Ratio -0.49 Alpha Ratio 11.63 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (0.5%),1 Years and above(NIL) Yield to Maturity 0% Effective Maturity 2 Years 8 Months 22 Days Modified Duration Growth of 10,000 investment over the years.
Date Value 31 Dec 16 ₹10,000 31 Dec 17 ₹10,862 31 Dec 18 ₹11,816 31 Dec 19 ₹12,316 31 Dec 20 ₹11,658 31 Dec 21 ₹13,408
Purchase not allowed Returns for Franklin India Short Term Income Plan - Retail Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Jan 22 Duration Returns 1 Month 0.3% 3 Month 1.4% 6 Month 11.9% 1 Year 14.4% 3 Year 4.2% 5 Year 5.9% 10 Year 15 Year Since launch 7.8% Historical performance (Yearly) on absolute basis
Year Returns 2021 15% 2020 -5.3% 2019 4.2% 2018 8.8% 2017 8.6% 2016 8.3% 2015 9.1% 2014 11.7% 2013 9% 2012 10% Fund Manager information for Franklin India Short Term Income Plan - Retail Plan
Name Since Tenure Santosh Kamath 24 Jun 16 5.53 Yr. Kunal Agrawal 24 Jun 16 5.53 Yr. Data below for Franklin India Short Term Income Plan - Retail Plan as on 31 Dec 21
Asset Allocation
Asset Class Value Cash 6.36% Debt 93.64% Debt Sector Allocation
Sector Value Corporate 93.64% Cash Equivalent 6.36% Credit Quality
Rating Value A 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Andhra Pradesh Capital Region Development Authority
Debentures | -44% ₹240 Cr 11,135 Andhra Pradesh Capital Region Development Authority
Debentures | -41% ₹227 Cr 10,675 Andhra Pradesh Capital Region Development Authority
Debentures | -8% ₹46 Cr 2,125 SBI Overnight Fund Dir Gr
Investment Fund | -3% ₹15 Cr 43,730
↓ -116 Rivaaz TRade Ventures Private Limited
Debentures | -0% ₹0 Cr 800 Rivaaz TRade Ventures Private Limited
Debentures | -0% ₹0 Cr 350 Rivaaz TRade Ventures Private Limited
Debentures | -0% ₹0 Cr 1,000 Future Ideas Company Limited
Debentures | -0% ₹0 Cr 200 Future Ideas Company Limited
Debentures | -0% ₹0 Cr 300 Call, Cash & Other Assets
Net Current Assets | -4% ₹20 Cr 5. Franklin India Credit Risk Fund
CAGR/Annualized return of 8.4% since its launch. Ranked 16 in Credit Risk category. Return for 2021 was 13.8% , 2020 was -0.2% and 2019 was 4% . Franklin India Credit Risk Fund
Growth Launch Date 30 Nov 11 NAV (25 Jan 22) ₹22.6805 ↑ 0.02 (0.08 %) Net Assets (Cr) ₹322 on 31 Dec 21 Category Debt - Credit Risk AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆ Risk Moderate Expense Ratio 0.66 Sharpe Ratio 1.72 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-12 Months (3%),12-24 Months (2%),24-36 Months (1%),36 Months and above(NIL) Yield to Maturity 0% Effective Maturity 4 Years 6 Months 1 Day Modified Duration Growth of 10,000 investment over the years.
Date Value 31 Dec 16 ₹10,000 31 Dec 17 ₹10,827 31 Dec 18 ₹11,742 31 Dec 19 ₹12,210 31 Dec 20 ₹12,189 31 Dec 21 ₹13,871
Purchase not allowed Returns for Franklin India Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Jan 22 Duration Returns 1 Month 0.2% 3 Month 1.3% 6 Month 8.2% 1 Year 13% 3 Year 5.5% 5 Year 6.6% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2021 13.8% 2020 -0.2% 2019 4% 2018 8.4% 2017 8.3% 2016 8.7% 2015 9.3% 2014 11.9% 2013 8.6% 2012 11% Fund Manager information for Franklin India Credit Risk Fund
Name Since Tenure Santosh Kamath 15 Apr 14 7.72 Yr. Kunal Agrawal 25 Oct 18 3.19 Yr. Data below for Franklin India Credit Risk Fund as on 31 Dec 21
Asset Allocation
Asset Class Value Cash 2.02% Debt 97.98% Debt Sector Allocation
Sector Value Corporate 97.98% Cash Equivalent 2.02% Credit Quality
Rating Value A 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Andhra Pradesh Capital Region Development Authority
Debentures | -68% ₹220 Cr 10,140 Andhra Pradesh Capital Region Development Authority
Debentures | -30% ₹95 Cr 4,331
↓ -67 SBI Overnight Fund Dir Gr
Investment Fund | -1% ₹2 Cr 5,927
↑ 4,244 Rivaaz TRade Ventures Private Limited
Debentures | -0% ₹0 Cr 150 Nufuture Digital (India) Limited
Debentures | -0% ₹0 Cr 750 Call, Cash & Other Assets
Net Current Assets | -1% ₹4 Cr 6. Franklin India Ultra Short Bond Fund - Super Institutional Plan
CAGR/Annualized return of 8.8% since its launch. Return for 2021 was 11.9% , 2020 was 4% and 2019 was 9.6% . Franklin India Ultra Short Bond Fund - Super Institutional Plan
Growth Launch Date 18 Dec 07 NAV (25 Jan 22) ₹32.9077 ↑ 0.01 (0.03 %) Net Assets (Cr) ₹281 on 31 Dec 21 Category Debt - Ultrashort Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆ Risk Moderate Expense Ratio 0.52 Sharpe Ratio 3.36 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 0% Effective Maturity 1 Year 5 Months 6 Days Modified Duration Growth of 10,000 investment over the years.
Date Value 31 Dec 16 ₹10,000 31 Dec 17 ₹10,821 31 Dec 18 ₹11,766 31 Dec 19 ₹12,890 31 Dec 20 ₹13,409 31 Dec 21 ₹14,999
Purchase not allowed Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 25 Jan 22 Duration Returns 1 Month 0.9% 3 Month 4% 6 Month 7.6% 1 Year 12.3% 3 Year 8.4% 5 Year 8.5% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2021 11.9% 2020 4% 2019 9.6% 2018 8.7% 2017 8.2% 2016 9.7% 2015 9.7% 2014 10% 2013 10% 2012 10.3% Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
Name Since Tenure Santosh Kamath 25 Oct 18 3.19 Yr. Pallab Roy 1 Jun 08 13.59 Yr. Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 31 Dec 21
Asset Allocation
Asset Class Value Cash 1.51% Debt 98.49% Debt Sector Allocation
Sector Value Corporate 98.49% Cash Equivalent 1.51% Credit Quality
Rating Value A 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Clix Capital Services Private Limited
Debentures | -55% ₹154 Cr 1,567 Clix Capital Services Private Limited
Debentures | -44% ₹123 Cr 1,250 SBI Overnight Fund Dir Gr
Investment Fund | -1% ₹3 Cr 10,062
↓ -87 Call, Cash & Other Assets
Net Current Assets | -0% ₹1 Cr
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