Franklin India Retirement Fund
Direct · Growth ₹243.02
18 Aug 2026
NAV
10.0%
3Y CAGR
9.5%
5Y CAGR
9.8%
10Y CAGR
9.9%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
3.53
Sharpe
-13.8%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
1.59%
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.50 L | 10.8% | -17.8% | 44.7% |
| 3 Years | ₹36.00 L | ₹41.41 L | 9.6% | -2.1% | 17.0% |
| 5 Years | ₹60.00 L | ₹74.63 L | 9.1% | 2.1% | 13.5% |
| 7 Years | ₹84.00 L | ₹1.15 Cr | 9.1% | 5.5% | 11.9% |
| 10 Years | ₹1.20 Cr | ₹1.94 Cr | 9.3% | 7.9% | 10.7% |
| 12 Years | ₹1.44 Cr | ₹2.63 Cr | 9.4% | 8.2% | 10.6% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 10.8% | 14.4% | 11.7% | -3.6% |
| 3 Years | 9.6% | 11.1% | 12.6% | -1.5% |
| 5 Years | 9.1% | 10.4% | 12.4% | -1.3% |
| 7 Years | 9.1% | 10.6% | 12.6% | -1.5% |
| 10 Years | 9.3% | 11.5% | 11.6% | -2.2% |
| 12 Years | 9.4% | 11.4% | 11.7% | -1.9% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 10.7% | 9.2% | -5.8% | 41.2% | 0.51 | 1.73 | 96% | — | — |
| 3 Years | 10.0% | 9.7% | 2.6% | 20.9% | 1.12 | 6.88 | 100% | — | — |
| 5 Years | 9.5% | 9.1% | 4.6% | 15.2% | 1.46 | 21.77 | 100% | — | — |
| 10 Years | 9.8% | 9.7% | 8.0% | 11.4% | 3.53 | — | 100% | — | — |
-13.8%
Max Drawdown
1 mo
Drawdown Duration
7 mo
Recovery Time
-1.4%
Avg Drawdown
Calmar Ratio by Duration
0.78
1Y
0.73
3Y
0.69
5Y
0.68
7Y
0.71
10Y
0.76
12Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -1.65 | 0.38 | 38.9% | 36.0% | 1.3% | -2.9% |
| 3 Years | +1.75 | 0.39 | 41.7% | 34.5% | 8.7% | 7.8% |
| 5 Years | +0.83 | 0.37 | 39.8% | 34.0% | 7.8% | 7.8% |
| 7 Years | +0.82 | 0.32 | 36.9% | 32.1% | 9.1% | 11.8% |
| 10 Years | +0.09 | 0.33 | 37.2% | 32.6% | 8.0% | 10.8% |
| 12 Years | +1.64 | 0.34 | 38.6% | 32.4% | 9.3% | 9.8% |
| 15 Years | +1.20 | 0.34 | 38.7% | 32.4% | 8.8% | 9.7% |
44
Total Holdings
15.1%
Top 10 Weight
27
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | HDFC Bank Ltd | 1.95% |
| 2 | ICICI Bank Ltd | 1.86% |
| 3 | Axis Bank Ltd | 1.77% |
| 4 | State Bank of India | 1.72% |
| 5 | Reliance Industries Ltd | 1.36% |
| 6 | Eternal Ltd | 1.33% |
| 7 | Infosys Ltd | 1.30% |
| 8 | Bharti Airtel Ltd | 1.29% |
| 9 | Mahindra & Mahindra Ltd | 1.27% |
| 10 | Larsen & Toubro Ltd | 1.24% |