ফ্র্যাঙ্কলিন টেম্পলটন মিউচুয়াল ফান্ড 2022 দ্বারা 6টি সেরা ঋণ তহবিল

Updated on July 6, 2026 , 8792 views

দ্যঋণ তহবিল ফ্র্যাঙ্কলিন টেম্পলটন দ্বারা প্রস্তাবিত দ্বারা সর্বোত্তম রিটার্ন প্রদানের লক্ষ্যবিনিয়োগ উচ্চ মানের সরকারি সিকিউরিটিজে। ঋণ তহবিলের মাধ্যমে, বিনিয়োগকারীরা সহজেই তাদের স্বল্প থেকে মধ্য মেয়াদী পরিকল্পনা করতে পারেআর্থিক লক্ষ্য. স্কিম মততরল তহবিল, অতিস্বল্পমেয়াদী তহবিল এবং ফ্র্যাঙ্কলিন টেম্পলটনের স্বল্পমেয়াদী তহবিল একজনের আর্থিক লক্ষ্য পূরণে সাহায্য করে।

বিনিয়োগের পরিকল্পনাকারী বিনিয়োগকারীরা নীচের শীর্ষ 7 থেকে তহবিল বেছে নিতে পারেনসেরা ঋণ তহবিল দ্বারাফ্র্যাঙ্কলিন টেম্পলটন মিউচুয়াল ফান্ড. এই তহবিলগুলি AUM এর মতো কিছু গুরুত্বপূর্ণ পরামিতি গ্রহণ করে সংক্ষিপ্ত তালিকাভুক্ত করা হয়েছে,না, অতীতের পারফরম্যান্স, পোর্টফোলিওর গড় পরিপক্কতা, সময়কাল, ইত্যাদি।

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কেন ফ্র্যাঙ্কলিন টেম্পলটন মিউচুয়াল ফান্ডে বিনিয়োগ করবেন?

একটিবিনিয়োগকারী a এর মাধ্যমে INR 500 এর মতো কম পরিমাণে ঋণ প্রকল্পে বিনিয়োগ করতে পারেনচুমুক এবং INR 5,000 একটি একক পরিমাণ বিনিয়োগের মাধ্যমে
ঋণ তহবিল নিয়মিত উৎপন্ন করার জন্য একটি আদর্শ বিনিয়োগ হিসাবে বিবেচিত হয়আয়. উদাহরণস্বরূপ, লভ্যাংশ পরিশোধ করা নিয়মিত আয়ের জন্য একটি বিকল্প হতে পারে।
যেহেতু, ঋণ তহবিলগুলি মূলত সরকারী সিকিউরিটিজ, কর্পোরেট ঋণ এবং অন্যান্য সিকিউরিটি যেমন ট্রেজারি বিল ইত্যাদিতে বিনিয়োগ করে, তাই তারা ইক্যুইটি দ্বারা প্রভাবিত হয় নাবাজার অস্থিরতা

সেরা ফ্র্যাঙ্কলিন টেম্পলটন ঋণ তহবিল

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Franklin India Savings Fund Growth	₹53.4654 ↓ -0.02	₹4,443	1.7	3.1	6.1	7.2	7.4	7.76%	4M 28D	6M 25D
Franklin India Corporate Debt Fund Growth	₹105.726 ↓ -0.16	₹1,346	1.8	2.9	5.5	7.5	9.1	7.91%	1Y 4M 20D	2Y 9M 7D
Franklin India Banking And PSU Debt Fund Growth	₹23.8693 ↓ -0.03	₹583	1.8	3.1	5.9	7.2	7.9	7.5%	1Y 2M 8D	2Y 7M 13D
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	₹61.2046 ↓ -0.01	₹153	2.5	3.4	4.4	6.1	5.5	6.78%	2Y 5M 23D	8Y 7M 2D
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 8 Jul 26

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 (₹4,443 Cr).	Upper mid AUM (₹1,346 Cr).	Upper mid AUM (₹583 Cr).	Lower mid AUM (₹297 Cr).	Bottom quartile AUM (₹153 Cr).	Bottom quartile AUM (₹104 Cr).
Point 2	Established history (24+ yrs).	Oldest track record among peers (29 yrs).	Established history (12+ yrs).	Established history (18+ yrs).	Established history (24+ yrs).	Established history (14+ 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: 6.08% (upper mid).	1Y return: 5.51% (bottom quartile).	1Y return: 5.86% (lower mid).	1Y return: 13.69% (top quartile).	1Y return: 4.43% (bottom quartile).	1Y return: 7.45% (upper mid).
Point 6	1M return: 0.77% (upper mid).	1M return: 0.76% (lower mid).	1M return: 0.76% (bottom quartile).	1M return: 0.59% (bottom quartile).	1M return: 1.53% (top quartile).	1M return: 0.91% (upper mid).
Point 7	Sharpe: 0.24 (upper mid).	Sharpe: -0.77 (bottom quartile).	Sharpe: -0.52 (lower mid).	Sharpe: 2.57 (top quartile).	Sharpe: -0.86 (bottom quartile).	Sharpe: 0.29 (upper mid).
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): 7.76% (upper mid).	Yield to maturity (debt): 7.91% (top quartile).	Yield to maturity (debt): 7.50% (upper mid).	Yield to maturity (debt): 0.00% (bottom quartile).	Yield to maturity (debt): 6.78% (lower mid).	Yield to maturity (debt): 0.00% (bottom quartile).
Point 10	Modified duration: 0.41 yrs (upper mid).	Modified duration: 1.39 yrs (bottom quartile).	Modified duration: 1.19 yrs (lower mid).	Modified duration: 0.00 yrs (top quartile).	Modified duration: 2.48 yrs (bottom quartile).	Modified duration: 0.00 yrs (upper mid).

Franklin India Savings Fund

Highest AUM (₹4,443 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.08% (upper mid).
1M return: 0.77% (upper mid).
Sharpe: 0.24 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.76% (upper mid).
Modified duration: 0.41 yrs (upper mid).

Franklin India Corporate Debt Fund

Upper mid AUM (₹1,346 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 5.51% (bottom quartile).
1M return: 0.76% (lower mid).
Sharpe: -0.77 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.91% (top quartile).
Modified duration: 1.39 yrs (bottom quartile).

Franklin India Banking And PSU Debt Fund

Upper mid AUM (₹583 Cr).
Established history (12+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.86% (lower mid).
1M return: 0.76% (bottom quartile).
Sharpe: -0.52 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.50% (upper mid).
Modified duration: 1.19 yrs (lower mid).

Franklin India Ultra Short Bond Fund - Super Institutional Plan

Lower mid AUM (₹297 Cr).
Established history (18+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 13.69% (top quartile).
1M return: 0.59% (bottom quartile).
Sharpe: 2.57 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

Franklin India Government Securities Fund

Bottom quartile AUM (₹153 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 4.43% (bottom quartile).
1M return: 1.53% (top quartile).
Sharpe: -0.86 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.78% (lower mid).
Modified duration: 2.48 yrs (bottom quartile).

Franklin India Credit Risk Fund

Bottom quartile AUM (₹104 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.45% (upper mid).
1M return: 0.91% (upper mid).
Sharpe: 0.29 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (upper mid).

1. Franklin India Savings 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.

Research Highlights for Franklin India Savings Fund

Highest AUM (₹4,443 Cr).
Established history (24+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.08% (upper mid).
1M return: 0.77% (upper mid).
Sharpe: 0.24 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.76% (upper mid).
Modified duration: 0.41 yrs (upper mid).
Average maturity: 0.57 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Call, Cash & Other Assets (~12.9%).

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund Growth
Launch Date	11 Feb 02
NAV (08 Jul 26)	₹53.4654 ↓ -0.02 (-0.04 %)
Net Assets (Cr)	₹4,443 on 31 May 26
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.3
Sharpe Ratio	0.24
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.76%
Effective Maturity	6 Months 25 Days
Modified Duration	4 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,345
30 Jun 23	₹11,025
30 Jun 24	₹11,836
30 Jun 25	₹12,805
30 Jun 26	₹13,606

Franklin India Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Franklin India Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.7%
6 Month	3.1%
1 Year	6.1%
3 Year	7.2%
5 Year	6.3%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
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%

Fund Manager information for Franklin India Savings Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.73 Yr.
Rohan Maru	10 Oct 24	1.72 Yr.
Chandni Gupta	30 Apr 24	2.17 Yr.

Data below for Franklin India Savings Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	97.16%
Debt	2.57%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	45.27%
Corporate	37.49%
Government	16.97%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Axis Bank Ltd. Debentures \| -	2%	₹96 Cr	2,000
India (Republic of) - \| -	1%	₹50 Cr	5,000,000
Corporate Debt Market Development Fund Class A2 - \| -	0%	₹11 Cr	8,992
6.88% Westbengal Sdl 2026 Sovereign Bonds \| -	0%	₹5 Cr	500,000
Call, Cash & Other Assets CBLO \| -	13%	₹510 Cr
Bajaj Housing Finance Ltd. Commercial Paper \| -	7%	₹285 Cr	6,000
Piramal Finance Limited Commercial Paper \| -	7%	₹257 Cr	5,300
HDFC Bank Ltd Certificate of Deposit \| -	6%	₹238 Cr	5,000
National Bank For Agriculture And Rural Development Certificate of Deposit \| -	6%	₹220 Cr	4,600
Canara Bank Certificate of Deposit \| -	5%	₹190 Cr	4,000

2. Franklin India Corporate Debt Fund

(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

Upper mid AUM (₹1,346 Cr).
Oldest track record among peers (29 yrs).
Rating: 2★ (lower mid).
Risk profile: Moderate.
1Y return: 5.51% (bottom quartile).
1M return: 0.76% (lower mid).
Sharpe: -0.77 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.91% (top quartile).
Modified duration: 1.39 yrs (bottom quartile).
Average maturity: 2.77 yrs (bottom quartile).
Exit load: 0-1 Years (0.5%),1 Years and above(NIL).
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Debt-heavy allocation (~82%).
High-quality debt (AAA/AA ~100%).
Largest holding Poonawalla Fincorp Limited (~6.0%).

Below is the key information for Franklin India Corporate Debt Fund

Franklin India Corporate Debt Fund Growth
Launch Date	23 Jun 97
NAV (08 Jul 26)	₹105.726 ↓ -0.16 (-0.15 %)
Net Assets (Cr)	₹1,346 on 31 May 26
Category	Debt - Corporate Bond
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆
Risk	Moderate
Expense Ratio	0.79
Sharpe Ratio	-0.77
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	7.91%
Effective Maturity	2 Years 9 Months 7 Days
Modified Duration	1 Year 4 Months 20 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,259
30 Jun 23	₹10,892
30 Jun 24	₹11,607
30 Jun 25	₹12,812
30 Jun 26	₹13,546

Franklin India Corporate Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Franklin India Corporate Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.8%
6 Month	2.9%
1 Year	5.5%
3 Year	7.5%
5 Year	6.2%
10 Year
15 Year
Since launch	8.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	9.1%
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%

Fund Manager information for Franklin India Corporate Debt Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.73 Yr.
Anuj Tagra	7 Mar 24	2.32 Yr.
Chandni Gupta	7 Mar 24	2.32 Yr.

Data below for Franklin India Corporate Debt Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	17.93%
Debt	81.79%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	66.24%
Government	20.98%
Cash Equivalent	12.5%

Credit Quality

Rating	Value
AA	6.95%
AAA	93.05%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Poonawalla Fincorp Limited Debentures \| -	6%	₹81 Cr	8,000
Housing And Urban Development Corporation Limited Debentures \| -	6%	₹80 Cr	7,500
Small Industries Development Bank Of India Debentures \| -	6%	₹79 Cr	7,500
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹77 Cr	7,500
LIC Housing Finance Ltd Debentures \| -	4%	₹59 Cr	5,500
RJ Corp Limited Debentures \| -	4%	₹56 Cr	5,467
Maharashtra SDL Sovereign Bonds \| -	4%	₹56 Cr	5,500,000
Summit Digitel Infrastructure Limited Debentures \| -	4%	₹51 Cr	5,000
Embassy Office Parks Reit Debentures \| -	4%	₹50 Cr	5,000
Mahindra And Mahindra Financial Services Limited Debentures \| -	4%	₹50 Cr	5,000

3. Franklin India Banking And PSU Debt Fund

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

Upper mid AUM (₹583 Cr).
Established history (12+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 5.86% (lower mid).
1M return: 0.76% (bottom quartile).
Sharpe: -0.52 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.50% (upper mid).
Modified duration: 1.19 yrs (lower mid).
Average maturity: 2.62 yrs (lower mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~45%).
High-quality debt (AAA/AA ~100%).
Largest holding Maharashtra SDL (~5.4%).

Below is the key information for Franklin India Banking And PSU Debt Fund

Franklin India Banking And PSU Debt Fund Growth
Launch Date	25 Apr 14
NAV (08 Jul 26)	₹23.8693 ↓ -0.03 (-0.12 %)
Net Assets (Cr)	₹583 on 31 May 26
Category	Debt - Banking & PSU Debt
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.52
Sharpe Ratio	-0.52
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.5%
Effective Maturity	2 Years 7 Months 13 Days
Modified Duration	1 Year 2 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,255
30 Jun 23	₹10,923
30 Jun 24	₹11,668
30 Jun 25	₹12,709
30 Jun 26	₹13,470

Franklin India Banking And PSU Debt Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Franklin India Banking And PSU Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	0.8%
3 Month	1.8%
6 Month	3.1%
1 Year	5.9%
3 Year	7.2%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.9%
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%

Fund Manager information for Franklin India Banking And PSU Debt Fund

Name	Since	Tenure
Anuj Tagra	7 Mar 24	2.32 Yr.
Chandni Gupta	7 Mar 24	2.32 Yr.
Sandeep Manam	18 Oct 21	4.7 Yr.

Data below for Franklin India Banking And PSU Debt Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	44.7%
Debt	54.95%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	71.51%
Government	21.49%
Cash Equivalent	6.64%

Credit Quality

Rating	Value
AA	3.33%
AAA	96.67%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Maharashtra SDL Sovereign Bonds \| -	5%	₹31 Cr	3,100,000
India Infrastructure Finance Company Limited Debentures \| -	5%	₹31 Cr	3,000
Axis Bank Limited Debentures \| -	4%	₹26 Cr	250
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹26 Cr	2,500 ↑ 2,500
Mahindra And Mahindra Financial Services Limited Debentures \| -	4%	₹25 Cr	2,500
Rec Limited Debentures \| -	4%	₹23 Cr	2,341 ↑ 2,341
Small Industries Development Bank of India Debentures \| -	4%	₹23 Cr	500 ↑ 500
Rec Limited Debentures \| -	4%	₹21 Cr	3,700
Power Finance Corporation Limited Debentures \| -	4%	₹20 Cr	2,000
7.71% Govt Stock 2066 Sovereign Bonds \| -	2%	₹14 Cr	1,391,400 ↑ 1,391,400

4. Franklin India Ultra Short Bond Fund - Super Institutional Plan

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

Lower mid AUM (₹297 Cr).
Established history (18+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 13.69% (top quartile).
1M return: 0.59% (bottom quartile).
Sharpe: 2.57 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).
Average maturity: 1.04 yrs (upper mid).
Exit load: NIL.

Below is the key information for 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
30 Jun 21	₹10,000
30 Jun 22	₹11,418

Franklin India Ultra Short Bond Fund - Super Institutional Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹206,148.
Net Profit of ₹26,148 Invest Now

Purchase not allowed

Returns for Franklin India Ultra Short Bond Fund - Super Institutional Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

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
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

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

(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

Bottom quartile AUM (₹153 Cr).
Established history (24+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 4.43% (bottom quartile).
1M return: 1.53% (top quartile).
Sharpe: -0.86 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.78% (lower mid).
Modified duration: 2.48 yrs (bottom quartile).
Average maturity: 8.59 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~84%).
High-quality debt (AAA/AA ~100%).
Largest holding Maharashtra SDL (~20.5%).
Top-3 holdings concentration ~48.9%.

Below is the key information for Franklin India Government Securities Fund

Franklin India Government Securities Fund Growth
Launch Date	7 Dec 01
NAV (08 Jul 26)	₹61.2046 ↓ -0.01 (-0.01 %)
Net Assets (Cr)	₹153 on 31 May 26
Category	Debt - Government Bond
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.14
Sharpe Ratio	-0.86
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.78%
Effective Maturity	8 Years 7 Months 2 Days
Modified Duration	2 Years 5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,180
30 Jun 23	₹10,776
30 Jun 24	₹11,388
30 Jun 25	₹12,300
30 Jun 26	₹12,835

Franklin India Government Securities Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Franklin India Government Securities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

Duration	Returns
1 Month	1.5%
3 Month	2.5%
6 Month	3.4%
1 Year	4.4%
3 Year	6.1%
5 Year	5.1%
10 Year
15 Year
Since launch	7.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	5.5%
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%

Fund Manager information for Franklin India Government Securities Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	2.73 Yr.
Anuj Tagra	7 Mar 24	2.32 Yr.

Data below for Franklin India Government Securities Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	16.21%
Debt	83.79%

Debt Sector Allocation

Sector	Value
Government	83.79%
Cash Equivalent	16.21%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Maharashtra SDL Sovereign Bonds \| -	20%	₹30 Cr	3,000,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	16%	₹23 Cr	2,529,400 ↑ 1,500,000
7.71% Govt Stock 2066 Sovereign Bonds \| -	13%	₹19 Cr	1,855,200 ↑ 1,855,200
7.73% Andhra Sgs 2032 Sovereign Bonds \| -	10%	₹16 Cr	1,500,000
7.62% Punjab Sgs 2033 Sovereign Bonds \| -	10%	₹15 Cr	1,500,000
7.86% Haryana Sdl 2032 Sovereign Bonds \| -	7%	₹11 Cr	1,000,000
7.17% Rajasthan Sdl 2032 Sovereign Bonds \| -	3%	₹5 Cr	500,000
Bihar State Development Loans Sovereign Bonds \| -	2%	₹3 Cr	312,440
7.64% Uttarakhand Sgs 2032 Sovereign Bonds \| -	0%	₹1 Cr	68,680
7.32% Chhattisgarh Sgs 2037 Sovereign Bonds \| -	0%	₹1 Cr	52,560

6. Franklin India Credit Risk Fund

(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

Bottom quartile AUM (₹104 Cr).
Established history (14+ yrs).
Rating: 1★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.45% (upper mid).
1M return: 0.91% (upper mid).
Sharpe: 0.29 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 0.00% (bottom quartile).
Modified duration: 0.00 yrs (upper mid).
Average maturity: 0.00 yrs (top quartile).
Exit load: 0-12 Months (3%),12-24 Months (2%),24-36 Months (1%),36 Months and above(NIL).

Below is the key information for 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
30 Jun 21	₹10,000
30 Jun 22	₹11,168

Franklin India Credit Risk Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Purchase not allowed

Returns for Franklin India Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 8 Jul 26

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
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016

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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