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Fund Overview of Franklin India Retirement Fund Direct-idcw
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₹492.2 CrAUM
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₹18.22NAV
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1.46%Expense Ratio
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HybridFund Category
Minimum amount you can invest: ₹500
Maximum amount you can invest: ₹1,00,000
We have used a return rate of 15% for our calculations.
Returns of Franklin India Retirement Fund Direct-idcw
| Tenure | Absolute(%) | Annualised(%) | Category Average(%) |
|---|---|---|---|
| 3 Months | 1.81% | NA | 1.30% |
| 6 Months | -1.20% | NA | 7.25% |
| 1 Year | 0.21% | 0.21% | 4.55% |
| 2 Years | 8.62% | 4.22% | 12.48% |
| 3 Years | 29.72% | 9.06% | 11.69% |
| 5 Years | 46.12% | 7.88% | 12.27% |
| 7 Years | 78.81% | 8.66% | NA |
| 10 Years | 126.12% | 8.50% | 9.26% |
Dividends are declared by the fund house based on the income generated from the underlying assets. While many mutual funds distribute dividends annually, the payout frequency ultimately depends on the fund house’s decision
Compare Franklin India Retirement Fund Direct-idcw with other mutual funds in the same category
Franklin India Retirement Fund Direct-idcw
UTI Retirement Fund Direct
UTI Retirement Fund Regular Plan
Asset Allocation
equities
32.23%debt instruments
64.97%other assets or cash equivalents
2.80%Franklin India Retirement Fund Direct-idcw is one Hybrid mutual fund offered by Franklin Templeton Mutual Fund. Launched on 01 Jan 2013, the fund aims Long term capital appreciation. A retirement fund investing upto 40% in equities and balance in fixed income instruments. It manages assets worth ₹492.2 crore as on Sun May 31, 2026. The expense ratio stands at 1.46%. Fund Manager Manager Education Fund Manager Manager Education Fund Manager Manager Education Fund Manager Manager EducationAbout Franklin India Retirement Fund Direct-idcw
The portfolio allocation consists of 32.23% in equities, 64.97% in debt instruments, 2.80% in other assets or cash equivalents.Managed by Rajasa Kakulavarapu, it has delivered a return of 0.21% in the last year, a total return since inception of 9.76%.
The latest dividend was declared on 22 Dec 2025 at 16.50% of face value.
As exploring financial products individuals generally look at best sip plans based on investment horizon.
Key Metrics of Franklin India Retirement Fund Direct-idcw
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Standard Deviation6.04%
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Sharpe Ratio0.50%
Fund Details
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Top Performing Mutual Funds
| Fund Names | AUM (Cr) | 1M | 3M | 1Yr | 3Yr | 5Yr |
|---|---|---|---|---|---|---|
UTI Retirement Fund Direct  |
₹4,608 | 1.58% | 1.92% | 1.62% | 10.39% | 10.23% |
| UTI Retirement Fund Regular Plan |
₹4,608 | 1.53% | 1.78% | 1.05% | 9.71% | 9.53% |
| Franklin India Retirement Fund Direct-growth |
₹492 | 1.44% | 1.81% | 0.21% | 9.06% | 7.88% |
| Franklin India Retirement Fund Direct-idcw |
₹492 | 1.44% | 1.81% | 0.21% | 9.06% | 7.88% |
| UTI Children's Hybrid Fund-direct Plan |
₹4,315 | 1.74% | 2.46% | -0.32% | 7.57% | 7.80% |
| UTI Children's Hybrid Fund-regular Plan |
₹4,315 | 1.72% | 2.42% | -0.49% | 7.37% | 7.58% |
| Franklin India Retirement Fund Regular-growth |
₹492 | 1.37% | 1.63% | -0.55% | 8.23% | 7.05% |
| Franklin India Retirement Fund Regular-idcw |
₹492 | 1.37% | 1.63% | -0.55% | 8.23% | 7.05% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More funds from Franklin Templeton Mutual Fund
| Fund Names | AUM (Cr) | 1M | 3M | 6M | 1Yr | 3Yr |
|---|---|---|---|---|---|---|
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Franklin India Retirement Fund Regular-growth
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₹492 | 1.37% | 1.63% | -1.56% | -0.55% | 8.23% |
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Franklin India Retirement Fund Direct-growth
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₹492 | 1.44% | 1.81% | -1.20% | 0.21% | 9.06% |
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Franklin India Retirement Fund Regular-idcw
|
₹492 | 1.37% | 1.63% | -1.56% | -0.55% | 8.23% |
growth is based on 1-month returns of the fundsMutual Fund Calculator
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Top Mutual Funds
| Fund Names | AUM (Cr) | NAV | 3Yr | 5Yr | 10Yr |
|---|---|---|---|---|---|
| UTI Retirement Fund Regular Plan |
₹4,608 | ₹50.14 | 9.71% | 9.53% | 9.05% |
| UTI Retirement Fund Direct |
₹4,608 | ₹54.39 | 10.39% | 10.23% | 9.74% |
| UTI Children's Hybrid Fund-regular Plan |
₹4,315 | ₹40.18 | 7.37% | 7.58% | 7.95% |
| UTI Children's Hybrid Fund-direct Plan |
₹4,315 | ₹41.14 | 7.57% | 7.80% | 8.17% |
| Franklin India Retirement Fund Regular-growth |
₹492 | ₹217.07 | 8.23% | 7.05% | 7.68% |
| Franklin India Retirement Fund Direct-growth |
₹492 | ₹239.55 | 9.06% | 7.88% | 8.50% |
Detailed Portfolio
| Stocks | Sector | % of Holding | Value |
|---|---|---|---|
| National Bank For Agriculture And Rural Development Sr 25g 7.48 Bd 15sp28 Fvrs1lac | Financial | 9.56% | ₹47.06 Cr |
| Kotak Mahindra Bank Limited Cd 08jan27 | Financial | 7.76% | ₹38.18 Cr |
| Jubilant Bevco Limited Ncd 31my28 Fvrs1lac | Consumer Staples | 5.90% | ₹29.04 Cr |
| 7.90% Lic Housing Finance Ltd Ncd 23-06-2027 | Financial | 5.45% | ₹26.82 Cr |
| Small Industries Development Bank Of India Sr Ix 7.68 Bd 10ag27 Fvrs1lac | Financial | 5.14% | ₹25.30 Cr |
| Bajaj Housing Finance Limited 7.90 Ncd 28ap28 Fvrs10lac | Financial | 5.10% | ₹25.11 Cr |
| Poonawalla Fincorp Limited Sr A2 7.70 Ncd 21ap28 Fvrs1lac | Financial | 5.06% | ₹24.90 Cr |
| National Bank For Financing Infrastructure And Development Sr Nabfid2026-1 Tr I 7.03 Bd 08ap30 Fvrs1lac | Financial | 4.99% | ₹24.56 Cr |
| Union Bank Of India (16/03/2027) ** # | Financial | 4.78% | ₹23.54 Cr |
| Jubilant Beverages Limited Ncd 31my28 Fvrs1lac | Consumer Staples | 3.93% | ₹19.36 Cr |
| Hdfc Bank Ltd | Financial | 2.72% | ₹13.40 Cr |
| Cash/net Current Assets | Unspecified | 2.61% | ₹12.84 Cr |
| Bharti Telecom Limited Sr Xx 8.75 Ncd 05nv28 Fvrs1lac | Technology | 2.15% | ₹10.56 Cr |
| State Development Loan 37162 Mh 04mr47 7.66 Fv Rs 100 | Unspecified | 2.14% | ₹10.53 Cr |
| Icici Bank Ltd | Financial | 2.09% | ₹10.30 Cr |
| State Bank Of India | Financial | 1.96% | ₹9.64 Cr |
| Reliance Industries Ltd | Energy & Utilities | 1.88% | ₹9.25 Cr |
| Axis Bank Ltd | Financial | 1.75% | ₹8.62 Cr |
| Rec Limited Sr 239 Bd 03nv34 Fvrs1lac | Financial | 1.70% | ₹8.37 Cr |
| Larsen & Toubro Ltd | Industrials | 1.70% | ₹8.36 Cr |
Top Hybrid Funds
| Fund Names | NAV | 3Yr | 5Yr | 52 weeks high |
|---|---|---|---|---|
| UTI Retirement Fund Direct |
₹54.39 | 10.39% | 10.23% | - |
| UTI Retirement Fund Regular Plan |
₹50.14 | 9.71% | 9.53% | - |
| Franklin India Retirement Fund Direct-growth |
₹239.55 | 9.06% | 7.88% | - |
| Franklin India Retirement Fund Direct-idcw |
₹18.22 | 9.06% | 7.88% | - |
| UTI Children's Hybrid Fund-direct Plan |
₹41.14 | 7.57% | 7.80% | - |
| UTI Children's Hybrid Fund-regular Plan |
₹40.18 | 7.37% | 7.58% | - |
| Franklin India Retirement Fund Regular-growth |
₹217.07 | 8.23% | 7.05% | - |
| Franklin India Retirement Fund Regular-idcw |
₹16.48 | 8.23% | 7.05% | - |
growth is based on 5Y returns of the funds
Frequently Asked Questions
Franklin India Retirement Fund Direct-idcw
What is the current AUM of Franklin India Retirement Fund Direct-idcw?
As of Sun May 31, 2026, Franklin India Retirement Fund Direct-idcw manages assets worth ₹492.2 crore
How has Franklin India Retirement Fund Direct-idcw performed recently?
- 3 Months: 1.81%
- 6 Months: -1.20%
What is the long-term performance of Franklin India Retirement Fund Direct-idcw?
- 3 Years CAGR: 9.06%
- 5 Years CAGR: 7.88%
- Since Inception: 9.76%
What is the portfolio composition of Franklin India Retirement Fund Direct-idcw?
Equity: 32.23%, Debt: 64.97%, Others: 2.80%.
Who manages Franklin India Retirement Fund Direct-idcw?
Franklin India Retirement Fund Direct-idcw is managed by Rajasa Kakulavarapu from Franklin Templeton Mutual Fund.
When was the last dividend declared by Franklin India Retirement Fund Direct-idcw?
Latest dividend was declared on 22 Dec 2025 at 16.50% of face value.
What is the market-cap allocation of Franklin India Retirement Fund Direct-idcw?
Large Cap: 78.94%, Mid Cap: 6.64%, Small Cap: 14.43%.
Which are the top companies Franklin India Retirement Fund Direct-idcw has invested in?
- NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC – 9.56% of the fund's portfolio
- KOTAK MAHINDRA BANK LIMITED CD 08JAN27 – 7.76% of the fund's portfolio
- JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC – 5.90% of the fund's portfolio
- 7.90% LIC Housing Finance Ltd NCD 23-06-2027 – 5.45% of the fund's portfolio
- SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR IX 7.68 BD 10AG27 FVRS1LAC – 5.14% of the fund's portfolio
Which are the major sectors Franklin India Retirement Fund Direct-idcw focuses on?
- Financial – 58.07% of the fund's portfolio
- Consumer Staples – 9.83% of the fund's portfolio
- Unspecified – 4.75% of the fund's portfolio
- Technology – 2.15% of the fund's portfolio
- Energy & Utilities – 1.88% of the fund's portfolio
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^Returns as on 10th Jan’25. Tata AIA Life Top 200 ULIP Fund has delivered 18% returns over the last 10 years. Past performance is not necessarily indicative of future results. This disclaimer is specifically regarding a ULIP fund and is not related to mutual funds. Source: Morningstar.
