HealthyDirect · GrowthFit for a long SIP
Franklin India Corporate Bond Fund
Franklin Templeton Mutual FundIncome/Debt Oriented Schemes - Corporate Bond Fund13.8 years
- NAV
- 116.3318
- 29 Oct 2026
- 1Y
- +5.3%
- Trailing CAGR
- AUM
- ₹1,408.69 Cr
- 30 Sept 2026
- Volatility
- Low
- 2.3% 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
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 81% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.26% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -7.4%. Ask whether you can hold through a similar fall.
Vs category
Pass
81% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
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 ≈ 64.7% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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+5.3%
- 3Y+7.8%
- 5Y+6.7%
- 10Y+7.5%
- SI+8.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.9%
- 3Y+7.1%
- 5Y+7.3%
- 10Y+7.1%
- Since inception
- +8.2%
- Calendar-day CAGR
- Excess 1Y
- +1.4%
- Category median, same plan and option
- 3Y win rate
- +81%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +7.1%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.0%
- 2619 daily-ending windows
- Median rolling 3Y
- +8.4%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2137 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -7.4%
- Worst peak-to-trough
- Current
- -0.2%
- Below last peak
- Current spell
- 21 days
- Days below latest peak
- Time below peak
- +46%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 328 recovered episodes
- Longest recovery
- 105 days
- Trough to prior peak
28 May 2013 – 2 Dec 2013
Trough 19 Aug 2013 · recovered in 105 days
-7.4%
6 Mar 2020 – 17 Jun 2020
Trough 26 Mar 2020 · recovered in 83 days
-3.7%
11 Feb 2016 – 4 Apr 2016
Trough 25 Feb 2016 · recovered in 39 days
-1.5%
9 Apr 2018 – 2 Jul 2018
Trough 17 May 2018 · recovered in 46 days
-1.0%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
59
Consistency
74
Risk-adjusted
77
Drawdown
82
Mean
78
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 81% of rolling 3-year windows.
- 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%.
Portfolio
30 Sept 2026 · 45 holdings · top 10 are 64.7%.
- Top 5
- 44.8%
- Top 10
- 64.7%
- Largest holding
- 19.5%
- Effective holdings
- 13.3
Cash Margin
Unspecified
19.5%
Cash/Net Current Assets
Unspecified
8.6%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR IV 7.79 BD 19AP27 FVRS1LAC
Financial
5.7%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 24E 7.80 BD 15MR27 FVRS1LAC
Financial
5.6%
JAMNAGAR UTILITIES & POWER PRIVATE LIMITED SR PPD7 7.90 LOA 10AG28 FVRS1LAC
Industrials
5.4%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
BARODA BNP PARIBAS CORPORATE BOND FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- +4.8%
- 3Y
- +7.6%
- Vol
- 1.3%
- Max DD
- -2.3%
- Sharpe
- 0.52
- 3Y win
- +94%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
AXIS Corporate Bond Fund
Axis Mutual Fund
- 1Y
- +4.3%
- 3Y
- +7.4%
- Vol
- 2.0%
- Max DD
- -3.8%
- Sharpe
- 0.71
- 3Y win
- +83%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Kotak Corporate Bond Fund
Kotak Mahindra Mutual Fund
- 1Y
- +3.8%
- 3Y
- +7.1%
- Vol
- 1.1%
- Max DD
- -1.9%
- Sharpe
- 1.31
- 3Y win
- +83%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
BARODA BNP PARIBAS CORPORATE BOND FUND - Monthly Option
Baroda BNP Paribas Mutual Fund
- 1Y
- -1.9%
- 3Y
- +0.3%
- Vol
- 2.2%
- Max DD
- -3.2%
- Sharpe
- -2.66
- 3Y win
- +3%
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns
Canara Robeco Corporate Bond Fund
Canara Robeco Mutual Fund
- 1Y
- +3.7%
- 3Y
- +6.5%
- Vol
- 1.3%
- Max DD
- -2.0%
- Sharpe
- 1.11
- 3Y win
- +1%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns