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Franklin India Banking & PSU Debt Fund
Direct Plan · Growth · Franklin Templeton Mutual Fund
Returns
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +0.07% | +0.05% | 7 of 20 |
| 1M | +0.13% | -0.13% | 2 of 20 |
| 3M | +1.32% | +0.53% | 2 of 20 |
| 6M | +3.21% | +2.28% | 3 of 20 |
| YTD | +4.44% | +2.95% | 3 of 20 |
| 1Y | +5.94% | +3.89% | 2 of 20 |
| 2Y | +7.14% | +5.28% | 2 of 20 |
| 3Y | +7.50% | +5.87% | 3 of 19 |
| 5Y | +6.48% | +5.35% | 4 of 17 |
| 7Y | +6.76% | +5.66% | 6 of 15 |
| 10Y | +7.20% | +5.79% | 3 of 14 |
| INCEPTION | +7.75% | — | — |
Ranked among: Debt Scheme - Banking and PSU Fund.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | +1.90% | +6.22% | -0.55% | 98% | 40% |
| 6M | +3.80% | +7.56% | +0.18% | 100% | 41% |
| 1Y | +7.70% | +13.63% | +2.20% | 100% | 43% |
| 2Y | +7.66% | +11.92% | +3.51% | 100% | 43% |
| 3Y | +7.53% | +9.67% | +4.65% | 100% | 43% |
| 5Y | +7.50% | +9.37% | +6.05% | 100% | 43% |
| 7Y | +7.52% | +8.88% | +6.76% | 100% | 43% |
| 10Y | +7.58% | +7.83% | +7.20% | 100% | 43% |
Rolling returns show the average, best and worst outcome an investor would have seen entering at any point in the window.
NAV History
AUM Trend (₹ Cr, quarterly average)
Expense Ratio Trend
Portfolio · Sep 2026
Asset Allocation
- Equity0.00%
- Debt94.13%
- Cash0.00%
- Other5.87%
Market Cap Split
- Large Cap0.00%
- Mid Cap0.00%
- Small Cap0.00%
- Others100.00%
Holdings · Sep 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| Call, Cash & Other Assets | Net Current Assets | 5.83% | +4.38% |
| 7.56% India Infrastructure Finance Co Ltd (20-Mar-2028) ** | Debt | 5.55% | +0.04% |
| 766MHSDL47 | Debt | 5.37% | -0.28% |
| 7.65% Axis Bank Ltd (30-Jan-2027) ** | Debt | 4.65% | +0.04% |
| Mahindra & Mahindra Financial Services Ltd (3M Tbill + 210bps) (18-May-2029) ** $ | Debt | 4.54% | +0.05% |
| 7.70% National Bank For Agriculture & Rural Development (30-Sep-2027) | Debt | 4.42% | -0.31% |
| HDFC Bank Ltd (19-Nov-2026) ** | Money Market | 4.38% | +0.03% |
| Indian Bank (04-Dec-2026) | Money Market | 4.37% | +0.03% |
| Bank of Baroda (06-Jan-2027) ** | Money Market | 4.34% | +0.03% |
| Kotak Mahindra Bank Ltd (08-Jan-2027) ** | Money Market | 4.34% | +0.03% |
| ICICI Bank Ltd (27-Jan-2027) ** | Money Market | 4.33% | +0.04% |
| Punjab National Bank (10-Feb-2027) | Money Market | 4.32% | — |
| 7.38% REC Ltd (28-Feb-2029) | Debt | 4.20% | +0.02% |
| Small Industries Development Bank of India (11-Jun-2027) | Money Market | 4.20% | +0.03% |
| 0.00% REC Ltd (03-Nov-2034) ** | Debt | 3.72% | -0.10% |
View all 36 holdings
| 7.38% Power Finance Corporation Ltd (15-Jan-2032) ** | Debt | 3.62% | +0.00% |
| HDFC Bank Ltd (22-Jan-2027) ** | Money Market | 3.46% | +0.02% |
| National Bank For Agriculture & Rural Development (22-Jan-2027) ** | Money Market | 3.46% | +0.02% |
| Union Bank of India (12-Mar-2027) | Money Market | 3.43% | +0.02% |
| Canara Bank (29-Jun-2027) ** | Money Market | 2.52% | +0.02% |
| 0.00% Jubilant Beverages Ltd (31-May-2028) ** | Debt | 2.29% | +0.02% |
| 7.68% Small Industries Development Bank Of India (10-Aug-2027) | Debt | 1.84% | +0.02% |
| SDL PN 7.62% 2033 | Debt | 1.78% | +0.00% |
| SDL AP 7.73% 2032 | Debt | 1.78% | -0.07% |
| SDL PN 7.02% 2030 | Debt | 1.42% | -2.12% |
| SDL BR 7.65% 2033 | Debt | 1.12% | -0.01% |
| 0.00% Jubilant Bevco Ltd (31-May-2028) | Debt | 1.09% | +0.01% |
| 7.78% HDFC Bank Ltd (27-Mar-2027) ** | Debt | 0.92% | +0.01% |
| 8.15% Tata Capital Ltd (11-Jun-2029) ** | Debt | 0.90% | +0.00% |
| SDL RJ 7.17% 2032 | Debt | 0.87% | -0.03% |
| Corporate Debt Market Development Fund Class A2 | Alternative Investment Fund Units | 0.37% | +0.00% |
| SDL UK 7.64% 2032 | Debt | 0.25% | +0.00% |
| SDL CG 7.32% 2037 | Debt | 0.09% | +0.00% |
| SDL HP 7.56% 2039 | Debt | 0.09% | +0.00% |
| SDL WB 7.32% 2038 | Debt | 0.08% | -0.01% |
| SDL KL 7.56% 2039 | Debt | 0.02% | +0.00% |
Risk Metrics
Standard Deviation
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 1.32 | 1.94 | Low Volatility |
| 3Y | 1.08 | 1.73 | Low Volatility |
| 5Y | 1.20 | 1.67 | Low Volatility |
What is this?
Risk as measured by standard deviation is a statistical measure that quantifies the amount of variation or dispersion in a set of data points relative to its mean (average).
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 0.42 | -0.51 | Good Risk Adjusted Returns |
| 3Y | 1.00 | 0.23 | Good Risk Adjusted Returns |
| 5Y | 0.37 | -0.09 | Good Risk Adjusted Returns |
What is this?
Higher the value means that fund has been able to give better returns for the amount of risk taken. It helps investors understand the return of an investment compared to its risk, showing whether the returns are due to intelligent investing or simply taking on excess risk. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns.
Sortino Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 0.72 | -0.68 | Good Risk Adjusted Returns |
| 3Y | 1.96 | 0.43 | Good Risk Adjusted Returns |
| 5Y | 0.57 | -0.05 | Good Risk Adjusted Returns |
What is this?
The Sortino Ratio is a financial metric used to measure the risk-adjusted return of an investment. It's a modification of the Sharpe Ratio but with a key difference; it only considers downside risk (the risk of negative returns), rather than total volatility. This means it focuses on how well an investment performs relative to the volatility that leads to losses, ignoring the volatility that results in gains. The idea is that investors are primarily concerned with minimizing losses, and positive volatility is generally seen as a good thing.
Beta
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 0.52 | 0.86 | Good Risk Adjusted Returns |
| 3Y | 0.62 | 0.93 | Good Risk Adjusted Returns |
| 5Y | 0.66 | 0.80 | Good Risk Adjusted Returns |
What is this?
This value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market.
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
UTI Banking & PSU Debt Fund
Regular Plan · Growth
|
+5.72% | +7.31% | +7.51% | +7.02% |
|
Bandhan Banking and PSU Debt Fund
Direct Plan · Growth
|
+5.44% | +7.18% | +6.28% | +7.63% |
|
ICICI Prudential Banking and PSU Debt Fund
Regular Plan · Growth
|
+4.53% | +6.84% | +6.22% | +7.73% |
|
Kotak Banking and PSU Debt Fund
Regular Plan · Growth
|
+4.46% | +6.93% | +5.99% | +7.64% |
|
Bajaj Finserv Banking and PSU Debt Fund
Direct Plan · Growth
|
+4.46% | — | — | +7.18% |
|
LIC MF Banking & PSU Debt Fund
Regular Plan · Daily IDCW
|
+4.43% | +3.02% | +1.97% | +0.89% |
|
SBI BANKING & PSU DEBT FUND
Regular Plan · Growth
|
+4.35% | +6.76% | +5.69% | +7.18% |
|
Sundaram Banking and PSU Debt Fund (Formerly Known as Sundaram Banking and PSU Fund)
Regular Plan · GROWTH
|
+4.33% | +6.91% | +5.86% | +7.33% |
|
Axis Banking and PSU Debt Fund
Regular Plan · Growth option
|
+4.30% | +6.67% | +5.85% | +7.44% |
|
Edelweiss Banking and PSU Debt Fund
Regular Plan · Growth
|
+4.21% | +6.89% | +5.76% | +7.07% |
More From Franklin Templeton Asset Management (India) Private Limited
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
Franklin Asian Equity Fund
Direct Plan · Growth
|
+29.04% | +23.79% | +8.74% | +9.97% |
|
Franklin U. S. Opportunities Equity Active Fund of Funds
Direct Plan · Growth
|
+19.07% | +25.11% | +11.84% | +17.83% |
|
Franklin India Arbitrage Fund
Direct Plan · Growth
|
+7.09% | — | — | +7.04% |
|
Franklin India Money Market Fund
Direct Plan · Retail Plan Growth
|
+6.59% | +7.40% | +6.68% | +7.44% |
|
Franklin India Liquid Fund
Direct Plan · Super Institutional Growth
|
+6.56% | +6.98% | +6.41% | +6.91% |
|
Franklin India Ultra Short Term Fund
Direct Plan · Growth
|
+6.50% | — | — | +7.19% |
|
Franklin India Ultra Short to Short Term Fund
Direct Plan · Growth
|
+6.35% | — | — | +7.30% |
|
Franklin India Floating Interest Rates Fund
Direct Plan · Growth
|
+6.21% | +8.03% | +7.14% | +7.09% |
|
Franklin India Income Plus Arbitrage Active Fund of Funds
Direct Plan · Growth
|
+5.95% | +13.42% | +10.74% | +8.20% |
|
Franklin India Corporate Bond Fund
Direct Plan · Growth
|
+5.80% | +8.00% | +6.77% | +8.29% |
About This Scheme
Investment Objective
The fund seeks to provide regular income through a portfolio of debt and money market instruments consisting predominantly of securities issued by entities such as Banks, Public Sector Undertakings (PSUs) and Municipal bonds. However, there is no assurance or guarantee that the objective of the scheme will be achieved.
Stated Asset Allocation
Debt including Money Market Instruments issued by Banks, Public Sector Undertakings (PSUs), Public Financial Institutions (PFIs) and Municipal Bonds : 80% - 100% Debt including Money Market Instruments issued by other entities; Gilt Securities and State Development Loans (SDLs), Infrastructure Investment Trust (InvIT): 0% - 20%
Exit Load
Nil
Fund Managers
Chandni Gupta, Anuj Tagra, Sandeep Manam (dedicated for making investments for Foreign Securities)
Comanage
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. Data is sourced from AMFI and fund houses via FinAPI and may lag official figures.