HealthyDirect · Growth
Franklin India Banking & PSU Debt Fund
Franklin Templeton Mutual FundDebt Scheme - Banking and PSU Fund12.4 years
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 and Public Sector Undertakings (PSUs).
- NAV
- 25.289
- 15 Sept 2026
- 1Y
- +6.5%
- Trailing CAGR
- AUM
- ₹567.02 Cr
- 31 Aug 2026
- Volatility
- Low
- 1.7% annualized
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+6.5%
- 3Y+7.5%
- 5Y+6.4%
- 10Y+7.3%
- SI+7.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.3%
- 3Y+7.2%
- 5Y+7.1%
- 10Y+7.1%
- Since inception
- +7.8%
- Calendar-day CAGR
- Excess 1Y
- +1.3%
- Category median, same plan and option
- 3Y win rate
- +31%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- Worst rolling 3Y
- +4.7%
- 2275 daily-ending windows
- Median rolling 3Y
- +7.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 1791 daily-ending windows
- SIP 3Y XIRR
- +7.2%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 4 days
- 334 recovered episodes
- Longest recovery
- 58 days
- Trough to prior peak
- Current spell
- 5 days
- Days below latest peak
- Time below peak
- +46%
- NAV observations
6 Mar 2020 – 20 Apr 2020
Trough 23 Mar 2020 · recovered in 28 days
-3.6%
25 Nov 2016 – 12 Jan 2017
Trough 28 Dec 2016 · recovered in 15 days
-1.4%
9 Apr 2018 – 4 Jul 2018
Trough 17 May 2018 · recovered in 48 days
-1.2%
7 Feb 2017 – 30 Mar 2017
Trough 10 Mar 2017 · recovered in 20 days
-1.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
58
Consistency
31
Risk-adjusted
100
Drawdown
91
Mean
76
Portfolio
31 Aug 2026 · 40 holdings · top 10 are 56.3%.
- Top 5
- 35.2%
- Top 10
- 56.3%
- Largest holding
- 15.9%
- Effective holdings
- 15.8
Net Current Assets
Unspecified
15.9%
STATE DEVELOPMENT LOAN 37162 MH 04MR47 7.66 FV RS 100
Unspecified
5.7%
INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 7.56 NCD 20MR28 FVRS1LAC
Industrials
5.5%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25A 7.70 BD 30SP27 FVRS1LAC
Financial
4.7%
AXIS BANK LIMITED SR 5 7.65 NCD 30JN27 FVRS10LAC
Financial
4.6%
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Healthy
Engine status
Healthy
Doing its job
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
Aditya Birla Sun Life Banking & PSU Debt Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +5.0%
- 3Y
- +7.0%
- Vol
- 1.6%
- Max DD
- -3.0%
- Sharpe
- 1.81
- 3Y win
- +44%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
HDFC Banking and PSU Debt Fund
HDFC Mutual Fund
- 1Y
- +5.3%
- 3Y
- +7.2%
- Vol
- 1.6%
- Max DD
- -3.1%
- Sharpe
- 1.62
- 3Y win
- +45%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
ITI Banking & PSU Debt Fund
ITI Mutual Fund
- 1Y
- +5.1%
- 3Y
- +7.0%
- Vol
- 0.8%
- Max DD
- -1.1%
- Sharpe
- 1.27
- 3Y win
- +52%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Lower trailing returns
Kotak Banking and PSU Debt Fund
Kotak Mahindra Mutual Fund
- 1Y
- +5.6%
- 3Y
- +7.3%
- Vol
- 1.5%
- Max DD
- -2.8%
- Sharpe
- 1.84
- 3Y win
- +72%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Aditya Birla Sun Life Banking & PSU Debt Fund - Retail Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +4.5%
- 3Y
- +6.8%
- Vol
- n/a
- Max DD
- -3.1%
- Sharpe
- n/a
- 3Y win
- n/a
- Shallower drawdown
Caveat: Lower trailing returns