+91-22-489139096 Best Debt Funds by Franklin Templeton Mutual Fund 2025
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 (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Franklin India Savings Fund Growth ₹50.7709
↑ 0.01 ₹4,080 1.7 4.1 7.9 7.4 7.7 6.08% 5M 26D 6M 7D Franklin India Corporate Debt Fund Growth ₹100.45
↓ -0.11 ₹1,109 0.8 5.6 9.3 7.4 7.6 6.85% 2Y 5M 19D 5Y 1M 2D Franklin India Banking And PSU Debt Fund Growth ₹22.5965
↓ -0.03 ₹539 0.6 4.1 7.7 7.1 7.7 6.77% 2Y 6M 11D 4Y 9M 22D Franklin India Ultra Short Bond Fund - Super Institutional Plan Growth ₹34.9131
↑ 0.04 ₹297 1.3 5.9 13.7 8.8 0% 1Y 15D Franklin India Government Securities Fund Growth ₹57.4159
↓ -0.20 ₹160 -3.2 0.7 4.1 5.2 7.3 6.68% 7Y 3M 4D 24Y 9M 4D Franklin India Credit Risk Fund Growth ₹25.3348
↑ 0.04 ₹104 2.9 5 7.5 11 0% Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 26 Aug 25 Research Highlights & Commentary of 6 Funds showcased
Commentary Franklin India Savings Fund Franklin India Corporate Debt Fund Franklin India Banking And PSU Debt Fund Franklin India Ultra Short Bond Fund - Super Institutional Plan Franklin India Government Securities Fund Franklin India Credit Risk Fund Point 1 Highest AUM (₹4,080 Cr). Upper mid AUM (₹1,109 Cr). Upper mid AUM (₹539 Cr). Lower mid AUM (₹297 Cr). Bottom quartile AUM (₹160 Cr). Bottom quartile AUM (₹104 Cr). Point 2 Established history (23+ yrs). Oldest track record among peers (28 yrs). Established history (11+ yrs). Established history (17+ yrs). Established history (23+ yrs). Established history (13+ yrs). Point 3 Top rated. Rating: 2★ (lower mid). Rating: 3★ (upper mid). Rating: 1★ (bottom quartile). Rating: 3★ (upper mid). Rating: 1★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Risk profile: Moderate. Point 5 1Y return: 7.94% (upper mid). 1Y return: 9.31% (upper mid). 1Y return: 7.72% (lower mid). 1Y return: 13.69% (top quartile). 1Y return: 4.08% (bottom quartile). 1Y return: 7.45% (bottom quartile). Point 6 1M return: 0.46% (upper mid). 1M return: -0.11% (lower mid). 1M return: -0.15% (bottom quartile). 1M return: 0.59% (upper mid). 1M return: -2.52% (bottom quartile). 1M return: 0.91% (top quartile). Point 7 Sharpe: 3.04 (top quartile). Sharpe: 1.59 (lower mid). Sharpe: 1.70 (upper mid). Sharpe: 2.57 (upper mid). Sharpe: 0.30 (bottom quartile). Sharpe: 0.29 (bottom quartile). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 6.08% (lower mid). Yield to maturity (debt): 6.85% (top quartile). Yield to maturity (debt): 6.77% (upper mid). Yield to maturity (debt): 0.00% (bottom quartile). Yield to maturity (debt): 6.68% (upper mid). Yield to maturity (debt): 0.00% (bottom quartile). Point 10 Modified duration: 0.49 yrs (upper mid). Modified duration: 2.47 yrs (lower mid). Modified duration: 2.53 yrs (bottom quartile). Modified duration: 0.00 yrs (top quartile). Modified duration: 7.26 yrs (bottom quartile). Modified duration: 0.00 yrs (upper mid). Franklin India Savings Fund
Franklin India Corporate Debt Fund
Franklin India Banking And PSU Debt Fund
Franklin India Ultra Short Bond Fund - Super Institutional Plan
Franklin India Government Securities Fund
Franklin India Credit Risk Fund
(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. 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. Research Highlights for Franklin India Corporate Debt Fund 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. Research Highlights for Franklin India Banking And PSU Debt Fund Below is the key information for Franklin India Banking And PSU Debt 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. Research Highlights for Franklin India Ultra Short Bond Fund - Super Institutional Plan Below is the key information for Franklin India Ultra Short Bond Fund - Super Institutional Plan Returns up to 1 year are on (Erstwhile Franklin India Government Securities Fund - Long Term Plan) Aims to invest exclusively in government securities of Zero credit or default risk Research Highlights for Franklin India Government Securities Fund Below is the key information for Franklin India Government Securities Fund 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. Research Highlights for Franklin India Credit Risk Fund Below is the key information for Franklin India Credit Risk Fund Returns up to 1 year are on 1. Franklin India Savings Fund
Franklin India Savings Fund
Growth Launch Date 11 Feb 02 NAV (26 Aug 25) ₹50.7709 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹4,080 on 31 Jul 25 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.3 Sharpe Ratio 3.04 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.08% Effective Maturity 6 Months 7 Days Modified Duration 5 Months 26 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,366 31 Jul 22 ₹10,725 31 Jul 23 ₹11,456 31 Jul 24 ₹12,308 31 Jul 25 ₹13,300 Returns for Franklin India Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Aug 25 Duration Returns 1 Month 0.5% 3 Month 1.7% 6 Month 4.1% 1 Year 7.9% 3 Year 7.4% 5 Year 5.9% 10 Year 15 Year Since launch 7.1% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 7.3% 2022 4.4% 2021 3.6% 2020 6% 2019 8.5% 2018 7.5% 2017 7.2% 2016 8.1% 2015 8.3% Fund Manager information for Franklin India Savings Fund
Name Since Tenure Rahul Goswami 6 Oct 23 1.82 Yr. Rohan Maru 10 Oct 24 0.81 Yr. Chandni Gupta 30 Apr 24 1.25 Yr. Data below for Franklin India Savings Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 86.64% Debt 13.13% Other 0.23% Debt Sector Allocation
Sector Value Cash Equivalent 43.01% Corporate 32.44% Government 24.33% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -5% ₹217 Cr 22,500,000 182 Days Tbill
Sovereign Bonds | -3% ₹110 Cr 11,000,000
↑ 11,000,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹72 Cr 1,500 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -1% ₹48 Cr 5,000,000 HDFC Bank Ltd.
Debentures | -1% ₹48 Cr 1,000 Indian Bank
Domestic Bonds | -1% ₹48 Cr 1,000 Punjab National Bank
Domestic Bonds | -1% ₹48 Cr 1,000 08.39 RJ UDAY 2026
Domestic Bonds | -1% ₹30 Cr 2,860,000 Bank of Baroda
Debentures | -1% ₹24 Cr 500 Corporate Debt Market Development Fund Class A2
Investment Fund | -0% ₹9 Cr 8,236
↑ 2,464 2. Franklin India Corporate Debt Fund
Franklin India Corporate Debt Fund
Growth Launch Date 23 Jun 97 NAV (26 Aug 25) ₹100.45 ↓ -0.11 (-0.11 %) Net Assets (Cr) ₹1,109 on 31 Jul 25 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.79 Sharpe Ratio 1.59 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 6.85% Effective Maturity 5 Years 1 Month 2 Days Modified Duration 2 Years 5 Months 19 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,600 31 Jul 22 ₹10,879 31 Jul 23 ₹11,532 31 Jul 24 ₹12,335 31 Jul 25 ₹13,580 Returns for Franklin India Corporate Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Aug 25 Duration Returns 1 Month -0.1% 3 Month 0.8% 6 Month 5.6% 1 Year 9.3% 3 Year 7.4% 5 Year 6.3% 10 Year 15 Year Since launch 8.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.6% 2023 6.5% 2022 3.2% 2021 3.8% 2020 9% 2019 9.2% 2018 7.5% 2017 7.7% 2016 9% 2015 8.4% Fund Manager information for Franklin India Corporate Debt Fund
Name Since Tenure Rahul Goswami 6 Oct 23 1.82 Yr. Anuj Tagra 7 Mar 24 1.4 Yr. Chandni Gupta 7 Mar 24 1.4 Yr. Data below for Franklin India Corporate Debt Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 4.75% Debt 95% Other 0.25% Debt Sector Allocation
Sector Value Corporate 68.85% Government 26.15% Cash Equivalent 4.75% Credit Quality
Rating Value AA 18.1% AAA 81.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -8% ₹97 Cr 9,679,500
↑ 6,091,700 Jubilant Bevco Limited
Debentures | -6% ₹68 Cr 6,576 HDFC Bank Limited
Debentures | -5% ₹61 Cr 60
↑ 60 National Bank For Agriculture And Rural Development
Debentures | -5% ₹54 Cr 5,000
↑ 3,500 Small Industries Development Bank Of India
Debentures | -4% ₹53 Cr 500 Pipeline Infrastructure Limited
Debentures | -4% ₹52 Cr 5,000 Summit Digitel Infrastructure Limited
Debentures | -4% ₹52 Cr 5,000 Sikka Ports & Terminals Limited
Debentures | -4% ₹51 Cr 500 Embassy Office Parks Reit
Debentures | -4% ₹51 Cr 5,000 Rec Limited
Debentures | -4% ₹50 Cr 9,000 3. Franklin India Banking And PSU Debt Fund
Franklin India Banking And PSU Debt Fund
Growth Launch Date 25 Apr 14 NAV (26 Aug 25) ₹22.5965 ↓ -0.03 (-0.15 %) Net Assets (Cr) ₹539 on 31 Jul 25 Category Debt - Banking & PSU Debt AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.52 Sharpe Ratio 1.7 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.77% Effective Maturity 4 Years 9 Months 22 Days Modified Duration 2 Years 6 Months 11 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,420 31 Jul 22 ₹10,714 31 Jul 23 ₹11,385 31 Jul 24 ₹12,207 31 Jul 25 ₹13,255 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 26 Aug 25 Duration Returns 1 Month -0.1% 3 Month 0.6% 6 Month 4.1% 1 Year 7.7% 3 Year 7.1% 5 Year 5.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.7% 2023 6.8% 2022 3.3% 2021 3.7% 2020 9.1% 2019 11.2% 2018 6.9% 2017 6.3% 2016 9.7% 2015 7.3% Fund Manager information for Franklin India Banking And PSU Debt Fund
Name Since Tenure Anuj Tagra 7 Mar 24 1.4 Yr. Chandni Gupta 7 Mar 24 1.4 Yr. Sandeep Manam 18 Oct 21 3.79 Yr. Data below for Franklin India Banking And PSU Debt Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 12.64% Debt 86.99% Other 0.37% Debt Sector Allocation
Sector Value Corporate 72.15% Government 21.11% Cash Equivalent 6.37% Credit Quality
Rating Value AA 14.39% AAA 85.61% Top Securities Holdings / Portfolio
Name Holding Value Quantity India Infrastructure Finance Company Limited
Debentures | -10% ₹53 Cr 5,000 6.9% Govt Stock 2065
Sovereign Bonds | -8% ₹42 Cr 4,204,600
↑ 2,116,700 Jubilant Bevco Limited
Debentures | -7% ₹40 Cr 3,847 Rec Limited
Debentures | -6% ₹33 Cr 6,000 Small Industries Development Bank Of India
Debentures | -5% ₹26 Cr 250 Power Finance Corporation Limited
Debentures | -5% ₹26 Cr 2,500 State Bank Of India
Debentures | -5% ₹26 Cr 250 Power Finance Corporation Limited
Debentures | -5% ₹26 Cr 2,500 Housing And Urban Development Corporation Limited
Debentures | -5% ₹25 Cr 2,500 ICICI Bank Limited
Debentures | -5% ₹25 Cr 25 4. Franklin India Ultra Short Bond Fund - Super Institutional Plan
Franklin India Ultra Short Bond Fund - Super Institutional Plan
Growth Launch Date 18 Dec 07 NAV (07 Aug 22) ₹34.9131 ↑ 0.04 (0.11 %) Net Assets (Cr) ₹297 on 31 Jul 22 Category Debt - Ultrashort Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆ Risk Moderate Expense Ratio 0.52 Sharpe Ratio 2.57 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 15 Days Modified Duration Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,833 31 Jul 22 ₹12,298
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 26 Aug 25 Duration Returns 1 Month 0.6% 3 Month 1.3% 6 Month 5.9% 1 Year 13.7% 3 Year 8.8% 5 Year 8.7% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Franklin India Ultra Short Bond Fund - Super Institutional Plan
Name Since Tenure Data below for Franklin India Ultra Short Bond Fund - Super Institutional Plan as on 31 Jul 22
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 5. Franklin India Government Securities Fund
Franklin India Government Securities Fund
Growth Launch Date 7 Dec 01 NAV (26 Aug 25) ₹57.4159 ↓ -0.20 (-0.34 %) Net Assets (Cr) ₹160 on 31 Jul 25 Category Debt - Government Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.14 Sharpe Ratio 0.3 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.68% Effective Maturity 24 Years 9 Months 4 Days Modified Duration 7 Years 3 Months 4 Days Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹10,137 31 Jul 22 ₹10,406 31 Jul 23 ₹10,909 31 Jul 24 ₹11,618 31 Jul 25 ₹12,475 Returns for Franklin India Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 26 Aug 25 Duration Returns 1 Month -2.5% 3 Month -3.2% 6 Month 0.7% 1 Year 4.1% 3 Year 5.2% 5 Year 4.4% 10 Year 15 Year Since launch 7.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.3% 2023 5.5% 2022 2.5% 2021 2.1% 2020 8.5% 2019 8% 2018 4.3% 2017 0.1% 2016 15.7% 2015 5.4% Fund Manager information for Franklin India Government Securities Fund
Name Since Tenure Rahul Goswami 6 Oct 23 1.82 Yr. Anuj Tagra 7 Mar 24 1.4 Yr. Data below for Franklin India Government Securities Fund as on 31 Jul 25
Asset Allocation
Asset Class Value Cash 19.73% Debt 80.27% Debt Sector Allocation
Sector Value Government 95.78% Cash Equivalent 4.22% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -60% ₹97 Cr 9,704,400
↑ 2,616,600 India (Republic of)
- | -16% ₹25 Cr 2,500,000 6.79% Govt Stock 2034
Sovereign Bonds | -10% ₹16 Cr 1,500,000
↑ 1,500,000 Andhra Pradesh (Government of) 6.84%
- | -9% ₹15 Cr 1,500,000 07.32% Chattisgarh Sdl
Sovereign Bonds | -0% ₹1 Cr 52,560 7.32% State Government Securities
Sovereign Bonds | -0% ₹1 Cr 50,000 Rajasthan (Government of ) 7.1%
- | -0% ₹0 Cr 41,700 Call, Cash & Other Assets
CBLO | -4% ₹7 Cr Margin On Derivatives
CBLO | -0% ₹0 Cr 6. Franklin India Credit Risk Fund
Franklin India Credit Risk Fund
Growth Launch Date 30 Nov 11 NAV (11 Jun 23) ₹25.3348 ↑ 0.04 (0.14 %) Net Assets (Cr) ₹104 on 15 Jul 23 Category Debt - Credit Risk AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆ Risk Moderate Expense Ratio 0.04 Sharpe Ratio 0.29 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 Modified Duration Growth of 10,000 investment over the years.
Date Value 31 Jul 20 ₹10,000 31 Jul 21 ₹11,478 31 Jul 22 ₹13,025
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 26 Aug 25 Duration Returns 1 Month 0.9% 3 Month 2.9% 6 Month 5% 1 Year 7.5% 3 Year 11% 5 Year 7% 10 Year 15 Year Since launch 8.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 Fund Manager information for Franklin India Credit Risk Fund
Name Since Tenure Data below for Franklin India Credit Risk Fund as on 15 Jul 23
Asset Allocation
Asset Class Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity
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Research Highlights for Franklin India Savings Fund