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6 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 ₹50.4836
↑ 0.01 ₹3,472 1.9 4.4 8.1 7.4 7.7 6.46% 8M 8D 8M 26D Franklin India Corporate Debt Fund Growth ₹100.504
↑ 0.10 ₹843 3.5 6.4 10.4 7.7 7.6 6.85% 3Y 1M 13D 5Y 11M 23D Franklin India Banking And PSU Debt Fund Growth ₹22.6203
↑ 0.02 ₹550 2.1 5 8.8 7.4 7.7 6.67% 3Y 3M 7D 6Y 1M 28D 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 ₹59.1155
↑ 0.16 ₹156 0.9 4.3 8.6 6.7 7.3 6.67% 6Y 9M 29D 23Y 11M 19D 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 18 Jul 25
(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 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 (Erstwhile Franklin India Government Securities Fund - Long Term Plan) Aims to invest exclusively in government securities of Zero credit or default risk Franklin India Government Securities Fund is a Debt - Government Bond fund was launched on 7 Dec 01. It is a fund with Moderate risk and has given a 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. 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 1. Franklin India Savings Fund
CAGR/Annualized return of 7.2% since its launch. Ranked 47 in Money Market category. Return for 2024 was 7.7% , 2023 was 7.3% and 2022 was 4.4% . Franklin India Savings Fund
Growth Launch Date 11 Feb 02 NAV (18 Jul 25) ₹50.4836 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹3,472 on 31 May 25 Category Debt - Money Market AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.27 Sharpe Ratio 2.66 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.46% Effective Maturity 8 Months 26 Days Modified Duration 8 Months 8 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,383 30 Jun 22 ₹10,742 30 Jun 23 ₹11,448 30 Jun 24 ₹12,289 30 Jun 25 ₹13,296 Returns for Franklin India Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Jul 25 Duration Returns 1 Month 0.6% 3 Month 1.9% 6 Month 4.4% 1 Year 8.1% 3 Year 7.4% 5 Year 5.9% 10 Year 15 Year Since launch 7.2% 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 1.65 Yr. Rohan Maru 10 Oct 24 0.64 Yr. Chandni Gupta 30 Apr 24 1.09 Yr. Data below for Franklin India Savings Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 81.57% Debt 18.25% Other 0.18% Debt Sector Allocation
Sector Value Corporate 42.74% Government 30.26% Cash Equivalent 26.82% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 364 Days Tbill (Md 05/03/2026)
Sovereign Bonds | -6% ₹216 Cr 22,500,000 364 Days Tbill Red 12-03-2026
Sovereign Bonds | -4% ₹144 Cr 15,000,000 Kotak Mahindra Bank Ltd.
Debentures | -2% ₹72 Cr 1,500 Punjab National Bank
Domestic Bonds | -1% ₹48 Cr 1,000
↑ 1,000 Indian Bank
Domestic Bonds | -1% ₹48 Cr 1,000 HDFC Bank Ltd.
Debentures | -1% ₹48 Cr 1,000 08.39 RJ UDAY 2026
Domestic Bonds | -1% ₹30 Cr 2,860,000 5.63% Govt Stock 2026
Sovereign Bonds | -1% ₹25 Cr 2,500,000 Bank of Baroda
Debentures | -1% ₹24 Cr 500 Corporate Debt Market Development Fund Class A2
Investment Fund | -0% ₹6 Cr 5,772 2. Franklin India Corporate Debt Fund
CAGR/Annualized return of 8.6% since its launch. Ranked 22 in Corporate Bond category. Return for 2024 was 7.6% , 2023 was 6.5% and 2022 was 3.2% . Franklin India Corporate Debt Fund
Growth Launch Date 23 Jun 97 NAV (18 Jul 25) ₹100.504 ↑ 0.10 (0.10 %) Net Assets (Cr) ₹843 on 31 May 25 Category Debt - Corporate Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆ Risk Moderate Expense Ratio 0.77 Sharpe Ratio 1.75 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 11 Months 23 Days Modified Duration 3 Years 1 Month 13 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,632 30 Jun 22 ₹10,907 30 Jun 23 ₹11,580 30 Jun 24 ₹12,341 30 Jun 25 ₹13,621 Returns for Franklin India Corporate Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Jul 25 Duration Returns 1 Month 0.8% 3 Month 3.5% 6 Month 6.4% 1 Year 10.4% 3 Year 7.7% 5 Year 6.4% 10 Year 15 Year Since launch 8.6% 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 1.65 Yr. Anuj Tagra 7 Mar 24 1.24 Yr. Chandni Gupta 7 Mar 24 1.24 Yr. Data below for Franklin India Corporate Debt Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 7.17% Debt 92.58% Other 0.25% Debt Sector Allocation
Sector Value Corporate 70.72% Government 21.86% Cash Equivalent 7.17% Credit Quality
Rating Value AA 5.53% AAA 94.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity Jubilant Bevco Limited
Debentures | -8% ₹67 Cr 6,576
↑ 6,576 Pipeline Infrastructure Limited
Debentures | -6% ₹53 Cr 5,000 Summit Digitel Infrastructure Limited
Debentures | -6% ₹52 Cr 5,000 Small Industries Development Bank Of India
Debentures | -6% ₹52 Cr 500
↑ 500 Sikka Ports & Terminals Limited
Debentures | -6% ₹51 Cr 500 Embassy Office Parks Reit
Debentures | -6% ₹50 Cr 5,000 Rec Limited
Debentures | -6% ₹50 Cr 9,000 6.9% Govt Stock 2065
Sovereign Bonds | -4% ₹35 Cr 3,587,800
↓ -1,000,000 LIC Housing Finance Ltd
Debentures | -4% ₹31 Cr 300 National Bank For Agriculture And Rural Development
Debentures | -3% ₹26 Cr 2,500 3. Franklin India Banking And PSU Debt Fund
CAGR/Annualized return of 7.5% since its launch. Ranked 40 in Banking & PSU Debt category. Return for 2024 was 7.7% , 2023 was 6.8% and 2022 was 3.3% . Franklin India Banking And PSU Debt Fund
Growth Launch Date 25 Apr 14 NAV (18 Jul 25) ₹22.6203 ↑ 0.02 (0.10 %) Net Assets (Cr) ₹550 on 31 May 25 Category Debt - Banking & PSU Debt AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 0.51 Sharpe Ratio 2.21 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.67% Effective Maturity 6 Years 1 Month 28 Days Modified Duration 3 Years 3 Months 7 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,466 30 Jun 22 ₹10,732 30 Jun 23 ₹11,432 30 Jun 24 ₹12,211 30 Jun 25 ₹13,301 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 18 Jul 25 Duration Returns 1 Month 0.7% 3 Month 2.1% 6 Month 5% 1 Year 8.8% 3 Year 7.4% 5 Year 5.8% 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 1.32 Yr. Chandni Gupta 7 Mar 24 1.32 Yr. Sandeep Manam 18 Oct 21 3.7 Yr. Data below for Franklin India Banking And PSU Debt Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 8.79% Debt 90.85% Other 0.36% Debt Sector Allocation
Sector Value Corporate 72.38% Government 22.92% Cash Equivalent 4.34% Credit Quality
Rating Value AA 4.05% AAA 95.95% Top Securities Holdings / Portfolio
Name Holding Value Quantity India Infrastructure Finance Company Limited
Debentures | -10% ₹52 Cr 5,000 Jubilant Bevco Limited
Debentures | -7% ₹39 Cr 3,847
↑ 3,847 Rec Limited
Debentures | -6% ₹33 Cr 6,000 ICICI Bank Limited
Debentures | -6% ₹32 Cr 300 Power Finance Corporation Limited
Debentures | -5% ₹26 Cr 2,500 Small Industries Development Bank Of India
Debentures | -5% ₹26 Cr 250
↑ 250 State Bank Of India
Debentures | -5% ₹26 Cr 250 National Bank For Agriculture And Rural Development
Debentures | -5% ₹26 Cr 2,500 Power Finance Corporation Limited
Debentures | -5% ₹26 Cr 2,500 Housing And Urban Development Corporation Limited
Debentures | -5% ₹25 Cr 2,500 4. Franklin India Ultra Short Bond Fund - Super Institutional Plan
CAGR/Annualized return of 8.9% since its launch. . 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 30 Jun 20 ₹10,000 30 Jun 21 ₹10,826 30 Jun 22 ₹12,362
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 18 Jul 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
CAGR/Annualized return of 7.8% since its launch. Ranked 17 in Government Bond category. Return for 2024 was 7.3% , 2023 was 5.5% and 2022 was 2.5% . Franklin India Government Securities Fund
Growth Launch Date 7 Dec 01 NAV (18 Jul 25) ₹59.1155 ↑ 0.16 (0.26 %) Net Assets (Cr) ₹156 on 31 May 25 Category Debt - Government Bond AMC Franklin Templeton Asst Mgmt(IND)Pvt Ltd Rating ☆☆☆ Risk Moderate Expense Ratio 1.08 Sharpe Ratio 1.73 Information Ratio 0 Alpha Ratio 0 Min Investment 10,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.67% Effective Maturity 23 Years 11 Months 19 Days Modified Duration 6 Years 9 Months 29 Days Growth of 10,000 investment over the years.
Date Value 30 Jun 20 ₹10,000 30 Jun 21 ₹10,158 30 Jun 22 ₹10,341 30 Jun 23 ₹10,946 30 Jun 24 ₹11,568 30 Jun 25 ₹12,494 Returns for Franklin India Government Securities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Jul 25 Duration Returns 1 Month 1.1% 3 Month 0.9% 6 Month 4.3% 1 Year 8.6% 3 Year 6.7% 5 Year 4.6% 10 Year 15 Year Since launch 7.8% 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 1.73 Yr. Anuj Tagra 7 Mar 24 1.32 Yr. Data below for Franklin India Government Securities Fund as on 31 May 25
Asset Allocation
Asset Class Value Cash 27.2% Debt 72.8% Debt Sector Allocation
Sector Value Government 72.8% Cash Equivalent 27.2% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.9% Govt Stock 2065
Sovereign Bonds | -45% ₹70 Cr 7,087,800
↓ -1,000,000 6.99% Govt Stock 2034
Sovereign Bonds | -17% ₹26 Cr 2,500,000 91 Days Tbill Red 19-06-2025
Sovereign Bonds | -16% ₹25 Cr 2,500,000
↑ 2,500,000 Andhra Pradesh (Government of) 6.84%
- | -10% ₹15 Cr 1,500,000
↑ 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 | -11% ₹17 Cr Margin On Derivatives
CBLO | -0% ₹0 Cr 91 Days Tbill Red 05-06-2025
Sovereign Bonds | -₹0 Cr 00
↓ -1,000,000 6. Franklin India Credit Risk Fund
CAGR/Annualized return of 8.4% since its launch. Ranked 16 in Credit Risk category. . 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 30 Jun 20 ₹10,000 30 Jun 21 ₹11,406 30 Jun 22 ₹12,738
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 18 Jul 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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