MonitorDirect · GrowthWatch before adding
Franklin India Long Term Fund
Franklin Templeton Mutual FundIncome/Debt Oriented Schemes - Long Term Fund1.9 years
The scheme seeks to generate returns by investing in debt and money market instruments such that the Macaulay duration of the scheme portfolio is greater than 7 years.
- NAV
- 10.7468
- 27 Oct 2026
- 1Y
- +1.7%
- Trailing CAGR
- AUM
- ₹42.08 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 27 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 100% of rolling 1-year windows.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer Aditya Birla Sun Life Long Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Fail
1.9 years - thin for judging consistency.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.36% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -4.3%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Anuj Tagra · 1.9 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 ≈ 111.6% 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.
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+1.7%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+3.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.0%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +3.9%
- Calendar-day CAGR
- Excess 1Y
- +2.5%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -4.3%
- Worst peak-to-trough
- Current
- -2.4%
- Below last peak
- Current spell
- 74 days
- Days below latest peak
- Time below peak
- +87%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 15 days
- 23 recovered episodes
- Longest recovery
- 175 days
- Trough to prior peak
28 May 2025 – 17 Feb 2026
Trough 26 Aug 2025 · recovered in 175 days
-4.3%
27 Feb 2026 – 16 Jun 2026
Trough 2 Apr 2026 · recovered in 75 days
-2.8%
14 Aug 2026 – open
Trough 27 Oct 2026 · not recovered
-2.4%
24 Apr 2025 – 16 May 2025
Trough 9 May 2025 · recovered in 7 days
-0.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
26
Vs category
65
Consistency
100
Risk-adjusted
0
Drawdown
89
Mean
56
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
- Risk-adjusted return (Sharpe) is negative over the available daily history.
Supporting reads
- The fund beat the category median in 100% of rolling 1-year windows.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 11 holdings · top 10 are 111.6%.
- Top 5
- 86.4%
- Top 10
- 111.6%
- Largest holding
- 38.1%
- Effective holdings
- 4.6
Cash/Net Current Assets
Unspecified
38.1%
STATE DEVELOPMENT LOAN 34251 TN 24AP31 7.5 FV RS 100
Unspecified
12.3%
STATE DEVELOPMENT LOAN 31754 HAR 29JU32 7.86 FV RS 100
Unspecified
12.2%
7.02% Punjab SDL (01-Jul-2030)
Unspecified
11.9%
Cash Margin
Unspecified
11.9%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Long Term Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +0.5%
- 3Y
- +6.3%
- Vol
- 3.1%
- Max DD
- -3.3%
- Sharpe
- 0.28
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Caveat: Higher TER
Axis Long Term Fund
Axis Mutual Fund
- 1Y
- -0.5%
- 3Y
- +5.4%
- Vol
- 4.0%
- Max DD
- -5.6%
- Sharpe
- -0.05
- 3Y win
- 0%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
HDFC Long Term Fund
HDFC Mutual Fund
- 1Y
- -1.0%
- 3Y
- +5.6%
- Vol
- 4.2%
- Max DD
- -6.0%
- Sharpe
- -0.06
- 3Y win
- +11%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Nippon India Nivesh Lakshya Long Term Fund
Nippon India Mutual Fund
- 1Y
- -1.1%
- 3Y
- +5.7%
- Vol
- 4.7%
- Max DD
- -5.8%
- Sharpe
- 0.37
- 3Y win
- +86%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
SBI Long Term Fund
SBI Mutual Fund
- 1Y
- +0.3%
- 3Y
- +6.0%
- Vol
- 3.7%
- Max DD
- -4.4%
- Sharpe
- 0.08
- 3Y win
- +80%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown