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Scheme Information
Franklin India Retirement IDCW-R
as of 22 May 2026, 16:49 PM
Scheme Asset Size₹496.83 Cr
Expense Ratio1.85%
Cash Holding12.23416%
Fund TypeOpen-End
PlanDividend
BenchmarkCRISIL Composite Bond TR INR
Launch Date1997-03-31
Exit LoadExit load of 3.00% for investments if redeemed within 3 Years
SIP Calculator
12%
₹5,000
₹500₹10,00,000
10 Years
1 Year40 Years
Invested Amount
Estimated Return
Invested Amount
₹6,00,000
Est. Return
₹5,61,695
Total Value
₹11,61,695
Invested Amount
Estimated Return
Scheme Ratings
-
rated by Value Research
Scheme Riskometer
Your principal will be at Moderately High Risk
Investment Returns
Absolute Returns
CAGR
In the last 1 months -1.92%
In the last 3 months -2.96%
In the last 6 months -4.45%
In the last 1 Years -2.18%
In the last 3 Years 0.25%
In the last 5 Years 0.35%
Company Holdings
Company Name | Sector | Instrument | Assets |
|---|---|---|---|
| National Bank For Agriculture And Rural Development | - | B | 9.44% |
| Jubilant Bevco Limited | - | B | 5.85% |
| LIC Housing Finance Ltd | - | B | 5.39% |
| Small Industries Development Bank Of India | - | B | 5.08% |
| Bajaj Housing Finance Limited | - | B | 5.05% |
| Poonawalla Fincorp Limited | - | B | 5.01% |
| National Bank For Financing Infrastructure And Development | - | B | 4.93% |
| Jubilant Beverages Limited | - | B | 3.89% |
| HDFC Bank Ltd | Financial Services | E | 2.80% |
| Rec Limited | - | B | 2.15% |
| Bharti Telecom Limited | - | B | 2.13% |
| Maharashtra SDL | - | BT | 2.10% |
| ICICI Bank Ltd | Financial Services | E | 2.09% |
| Reliance Industries Ltd | Energy | E | 2.02% |
| 6.9% Govt Stock 2065 | - | BT | 2.01% |
| State Bank of India | Financial Services | E | 1.72% |
| Axis Bank Ltd | Financial Services | E | 1.71% |
| Bharti Airtel Ltd | Communication Services | E | 1.71% |
| Larsen & Toubro Ltd | Industrials | E | 1.66% |
| Infosys Ltd | Technology | E | 1.35% |
| NTPC Ltd | Utilities | E | 1.12% |
| Kotak Mahindra Investments Limited | - | B | 1.09% |
| Eternal Ltd | Consumer Cyclical | E | 0.99% |
| HCL Technologies Ltd | Technology | E | 0.99% |
| UltraTech Cement Ltd | Basic Materials | E | 0.96% |
| Apollo Hospitals Enterprise Ltd | Healthcare | E | 0.92% |
| Mahindra & Mahindra Ltd | Consumer Cyclical | E | 0.87% |
| Kirloskar Oil Engines Ltd | Industrials | E | 0.79% |
| Britannia Industries Ltd | Consumer Defensive | E | 0.77% |
| CESC Ltd | Utilities | E | 0.75% |
| Tata Steel Ltd | Basic Materials | E | 0.72% |
| PB Fintech Ltd | Financial Services | E | 0.70% |
| Marico Ltd | Consumer Defensive | E | 0.66% |
| Bharat Electronics Ltd | Industrials | E | 0.61% |
| Phoenix Mills Ltd | Real Estate | E | 0.60% |
| Amber Enterprises India Ltd Ordinary Shares | Consumer Cyclical | E | 0.57% |
| Metropolis Healthcare Ltd | Healthcare | E | 0.52% |
| ICICI Lombard General Insurance Co Ltd | Financial Services | E | 0.50% |
| Hindustan Aeronautics Ltd Ordinary Shares | Industrials | E | 0.44% |
| InterGlobe Aviation Ltd | Industrials | E | 0.43% |
| Eris Lifesciences Ltd Registered Shs | Healthcare | E | 0.41% |
| Maruti Suzuki India Ltd | Consumer Cyclical | E | 0.40% |
| Franklin India Long Duration Dir Gr | - | FO | 0.40% |
| Hindustan Unilever Ltd | Consumer Defensive | E | 0.39% |
| Cholamandalam Investment and Finance Co Ltd | Financial Services | E | 0.38% |
| Tata Capital Ltd | Financial Services | E | 0.38% |
| HDFC Life Insurance Co Ltd | Financial Services | E | 0.35% |
| Ashok Leyland Ltd | Industrials | E | 0.33% |
| PNB Housing Finance Ltd | Financial Services | E | 0.32% |
| Amara Raja Energy & Mobility Ltd | Industrials | E | 0.31% |
| Lemon Tree Hotels Ltd | Consumer Cyclical | E | 0.28% |
| Canara HSBC Life Insurance Co Ltd | Financial Services | E | 0.27% |
| V-Mart Retail Ltd | Consumer Cyclical | E | 0.19% |
| ZF Commercial Vehicle Control Systems India Ltd | Consumer Cyclical | E | 0.12% |
| Motherson Sumi Wiring India Ltd | Consumer Cyclical | E | 0.09% |
| Angel One Ltd Ordinary Shares | Financial Services | E | 0.09% |
| Call, Cash & Other Assets | - | CA | 7.47% |
| Union Bank Of India | - | CD | 4.74% |
| Sun Pharmaceuticals Industries Ltd | - | E | - |
| Kwality Walls India Ltd | - | E | - |
| Union Bank of India | - | BD | - |
| Maharashtra (Government of) 7.66% | - | DS | - |
Sector Holding Analysis
Equity / Debt / Cash Split
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Equity
33.26%
Debt
54.5%
Cash
12.23%
Equity sector allocation
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Basic Materials
1.68%
Communication Services
1.71%
Consumer Cyclical
3.52%
Consumer Defensive
1.81%
Energy
2.02%
Financial Services
11.3%
Healthcare
1.85%
Industrials
4.56%
Real Estate
0.6%
Technology
2.34%
Utilities
1.88%
Others
66.73%
Fund House Contact Details
Websitehttps://www.franklintempletonindia.com
Phone+91 22 - 67519100
Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Asset Management Company
Funds in this Category
ICICI Pru Ret Pure Eq Plan Reg IDCW-P
Allocation
Min. Investment
₹5000
Category Returns
19.18%
23.94%
3Y Returns
+23.94%
ICICI Pru Ret Pure Eq Plan Reg Gr
Allocation
Min. Investment
₹5000
Category Returns
19.18%
23.94%
3Y Returns
+23.93%
Quant Multi Asset Allocation Gr
Allocation
Min. Investment
₹5000
Category Returns
19.18%
23.94%
3Y Returns
+23.67%
About Franklin India Retirement IDCW-R
Investment Objective of the Scheme
The Fund seeks to provide investors regular income under the Dividend Plan and capital appreciation under the Growth Plan.
Key Features of The Fund
5-year return
+6.23%
Fund Manager
Ajay Argal
Risk Profile
Moderately High Risk
Expense Ratio
1.85%
Fund Size
₹496.83 Cr
FAQ's
What has been the returns generated by Franklin India Retirement IDCW-R over different time periods?
The Franklin India Retirement IDCW-R has given returns
1-Year
-2.18
3-Year
7.82
5-Year
6.23
What is the expense ratio of Franklin India Retirement IDCW-R?
The expense ratio of Franklin India Retirement IDCW-R is 1.85%.
What is the AUM (Assets Under Management) of Franklin India Retirement IDCW-R?
The AUM, short for Assets Under Management of Franklin India Retirement IDCW-R is ₹496.83 Cr as of 10 Jun 2127.
What are the top stock holdings of Franklin India Retirement IDCW-R?
The Franklin India Retirement IDCW-R has invested the majority of its money in the stocks of the following companies:
| Company | Percentage of Portfolio |
|---|---|
| National Bank For Agriculture And Rural Development | 9.44% |
| Jubilant Bevco Limited | 5.85% |
| LIC Housing Finance Ltd | 5.39% |
| Small Industries Development Bank Of India | 5.08% |
| Bajaj Housing Finance Limited | 5.05% |
| Poonawalla Fincorp Limited | 5.01% |
| National Bank For Financing Infrastructure And Development | 4.93% |
| Jubilant Beverages Limited | 3.89% |
| HDFC Bank Ltd | 2.80% |
| Rec Limited | 2.15% |
| Bharti Telecom Limited | 2.13% |
| Maharashtra SDL | 2.10% |
| ICICI Bank Ltd | 2.09% |
| Reliance Industries Ltd | 2.02% |
| 6.9% Govt Stock 2065 | 2.01% |
| State Bank of India | 1.72% |
| Axis Bank Ltd | 1.71% |
| Bharti Airtel Ltd | 1.71% |
| Larsen & Toubro Ltd | 1.66% |
| Infosys Ltd | 1.35% |
| NTPC Ltd | 1.12% |
| Kotak Mahindra Investments Limited | 1.09% |
| Eternal Ltd | 0.99% |
| HCL Technologies Ltd | 0.99% |
| UltraTech Cement Ltd | 0.96% |
| Apollo Hospitals Enterprise Ltd | 0.92% |
| Mahindra & Mahindra Ltd | 0.87% |
| Kirloskar Oil Engines Ltd | 0.79% |
| Britannia Industries Ltd | 0.77% |
| CESC Ltd | 0.75% |
| Tata Steel Ltd | 0.72% |
| PB Fintech Ltd | 0.70% |
| Marico Ltd | 0.66% |
| Bharat Electronics Ltd | 0.61% |
| Phoenix Mills Ltd | 0.60% |
| Amber Enterprises India Ltd Ordinary Shares | 0.57% |
| Metropolis Healthcare Ltd | 0.52% |
| ICICI Lombard General Insurance Co Ltd | 0.50% |
| Hindustan Aeronautics Ltd Ordinary Shares | 0.44% |
| InterGlobe Aviation Ltd | 0.43% |
| Eris Lifesciences Ltd Registered Shs | 0.41% |
| Maruti Suzuki India Ltd | 0.40% |
| Franklin India Long Duration Dir Gr | 0.40% |
| Hindustan Unilever Ltd | 0.39% |
| Cholamandalam Investment and Finance Co Ltd | 0.38% |
| Tata Capital Ltd | 0.38% |
| HDFC Life Insurance Co Ltd | 0.35% |
| Ashok Leyland Ltd | 0.33% |
| PNB Housing Finance Ltd | 0.32% |
| Amara Raja Energy & Mobility Ltd | 0.31% |
| Lemon Tree Hotels Ltd | 0.28% |
| Canara HSBC Life Insurance Co Ltd | 0.27% |
| V-Mart Retail Ltd | 0.19% |
| ZF Commercial Vehicle Control Systems India Ltd | 0.12% |
| Motherson Sumi Wiring India Ltd | 0.09% |
| Angel One Ltd Ordinary Shares | 0.09% |
| Call, Cash & Other Assets | 7.47% |
| Union Bank Of India | 4.74% |
| Sun Pharmaceuticals Industries Ltd | - |
| Kwality Walls India Ltd | - |
| Union Bank of India | - |
| Maharashtra (Government of) 7.66% | - |
In which sectors has Franklin India Retirement IDCW-R invested in?
The Franklin India Retirement IDCW-R has invested the majority of its money in the stocks of the following sectors -
| Company | Percentage of Portfolio |
|---|---|
| Basic Materials | 1.68% |
| Communication Services | 1.71% |
| Consumer Cyclical | 3.52% |
| Consumer Defensive | 1.81% |
| Energy | 2.02% |
| Financial Services | 11.30% |
| Healthcare | 1.85% |
| Industrials | 4.56% |
| Real Estate | 0.60% |
| Technology | 2.34% |
| Utilities | 1.88% |
What is the risk level of Franklin India Retirement IDCW-R?
This is a Retirement fund comes with Moderately High Risk.
Who are the fund managers of Franklin India Retirement IDCW-R?
Franklin India Retirement IDCW-R fund managers are Ajay Argal, Pallab Roy, Anuj Tagra, Rajasa Kakulavarapu.
Is there a minimum SIP amount to invest in Franklin India Retirement IDCW-R?
The minimum SIP amount to start investment in Franklin India Retirement IDCW-R is ₹100 while ₹1,000 can be invested as Lumpsum amount.
Can I invest in Franklin India Retirement IDCW-R both in SIP and lump sum?
You can opt for either SIP or Lumpsum to invest in Franklin India Retirement IDCW-R on the basis of your investment objective and risk tolerance.
How to invest in Franklin India Retirement IDCW-R?
Investing in mutual funds is easy on HDFC SKY.
Follow these simple steps to invest in Franklin India Retirement IDCW-R:
- On HDFC SKY open your demat account if you don't have one.
- Check the performance of Franklin India Retirement IDCW-R.
- Choose between SIP or Lumpsum and start your mutual fund investment journey on HDFC Sky.
Is there any exit load charges of Franklin India Retirement IDCW-R?
The exit load of Franklin India Retirement IDCW-R is as follows:
Exit load of 3.0%, if redeemed within 1 year
.What is the process to redeem my investment in HDFC SKY?
The following are the Steps to Redeem mutual funds on HDFC SKY:
1. Go to Mutual Funds > My Investments/Portfolio.
2. Select the fund and tap Redeem/Sell.
3. Choose Full, Units, or Amount.
4. Review NAV, units, and exit load.
5. Confirm. Amount (Units × NAV) is credited to the registered bank in T+1–T+3 days. ELSS has a 3-year lock-in.
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