MonitorDirect · GrowthWatch before adding
Franklin India Conservative Hybrid Fund
Franklin Templeton Mutual FundHybrid Scheme - Conservative Hybrid Fund13.8 years
The Scheme seeks to provide regular income through a portfolio of predominantly fixed income securities with a maximum with a maximum exposure of 20% to equities. exposure of 25% to equities.
- NAV
- 101.661
- 29 Oct 2026
- 1Y
- +0.0%
- Trailing CAGR
- AUM
- ₹208.08 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.2% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 62% of rolling 1-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer Parag Parikh Conservative Hybrid Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.81% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -11.9%. Ask whether you can hold through a similar fall.
Vs category
Watch
53% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
Pass
Rohan Maru · 2.1 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 65.9% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 12%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
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+0.0%
- 3Y+7.6%
- 5Y+6.9%
- 10Y+7.2%
- SI+8.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.8%
- 3Y+4.2%
- 5Y+6.6%
- 10Y+7.4%
- Since inception
- +8.6%
- Calendar-day CAGR
- Excess 1Y
- -1.2%
- Category median, same plan and option
- 3Y win rate
- +53%
- Windows beating the median
- 3Y percentile
- 50
- Vs comparable share classes
- SIP 3Y XIRR
- +4.2%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.0%
- 2653 daily-ending windows
- Median rolling 3Y
- +8.6%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2161 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -11.9%
- Worst peak-to-trough
- Current
- -1.4%
- Below last peak
- Current spell
- 80 days
- Days below latest peak
- Time below peak
- +76%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 260 recovered episodes
- Longest recovery
- 211 days
- Trough to prior peak
20 Feb 2020 – 20 Oct 2020
Trough 23 Mar 2020 · recovered in 211 days
-11.9%
28 May 2013 – 2 Dec 2013
Trough 19 Aug 2013 · recovered in 105 days
-8.4%
17 Jan 2022 – 2 Aug 2022
Trough 17 Jun 2022 · recovered in 46 days
-4.0%
2 Jan 2026 – 1 Jul 2026
Trough 30 Mar 2026 · recovered in 93 days
-3.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
50
Vs category
42
Consistency
57
Risk-adjusted
56
Drawdown
70
Mean
55
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Supporting reads
- The fund beat the category median in 62% of rolling 1-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 64 holdings · top 10 are 65.9%.
- Top 5
- 41.7%
- Top 10
- 65.9%
- Largest holding
- 15.0%
- Effective holdings
- 17.6
Cash/Net Current Assets
Unspecified
15.0%
BAJAJ FINANCE LIMITED 7.82% NCD 31JN34 FVRS1LAC
Financial
7.6%
INDIAN BANK CD 06NOV26
Financial
7.2%
JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC
Consumer Staples
7.0%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR IX 7.68 BD 10AG27 FVRS1LAC
Financial
5.0%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
24 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Parag Parikh Conservative Hybrid Fund
PPFAS Mutual Fund
- 1Y
- +1.5%
- 3Y
- +8.6%
- Vol
- 3.0%
- Max DD
- -2.7%
- Sharpe
- 0.98
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
SBI CONSERVATIVE HYBRID FUND
SBI Mutual Fund
- 1Y
- +2.2%
- 3Y
- +8.1%
- Vol
- 4.3%
- Max DD
- -11.9%
- Sharpe
- 0.84
- 3Y win
- +81%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER
LIC MF Conservative Hybrid Fund
LIC Mutual Fund
- 1Y
- +0.8%
- 3Y
- +6.3%
- Vol
- 3.5%
- Max DD
- -7.9%
- Sharpe
- 0.40
- 3Y win
- +28%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
BANDHAN CONSERVATIVE HYBRID FUND
Bandhan Mutual Fund
- 1Y
- +1.4%
- 3Y
- +7.0%
- Vol
- 4.6%
- Max DD
- -11.4%
- Sharpe
- 0.45
- 3Y win
- +28%
- Shallower drawdown
Caveat: Higher volatility · Higher TER · Lower trailing returns
Nippon India Conservative Hybrid Fund (Existing number of Segregated Portfolios - 1)
Nippon India Mutual Fund
- 1Y
- +4.6%
- 3Y
- +8.4%
- Vol
- 4.4%
- Max DD
- -18.9%
- Sharpe
- 0.38
- 3Y win
- +53%
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER