MonitorDirect · GrowthWatch before adding
Franklin India Medium to Long Term Fund
Franklin Templeton Mutual FundIncome/Debt Oriented Schemes - Medium to Long Term Fund2.1 years
- NAV
- 11.2048
- 29 Oct 2026
- 1Y
- +3.1%
- Trailing CAGR
- AUM
- ₹40.81 Cr
- 30 Sept 2026
- Volatility
- Low
- 1.9% 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 100% of rolling 1-year windows.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer LIC MF Medium to Long Term Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Fail
2.1 years - thin for judging consistency.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.34% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -1.8%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
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 ≈ 93.6% 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+3.1%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+5.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.6%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +5.6%
- Calendar-day CAGR
- Excess 1Y
- +0.6%
- 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
- -1.8%
- Worst peak-to-trough
- Current
- -1.5%
- Below last peak
- Current spell
- 73 days
- Days below latest peak
- Time below peak
- +70%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 44 recovered episodes
- Longest recovery
- 64 days
- Trough to prior peak
17 Aug 2026 – open
Trough 27 Oct 2026 · not recovered
-1.8%
2 Mar 2026 – 5 Jun 2026
Trough 2 Apr 2026 · recovered in 64 days
-1.7%
22 Jul 2025 – 3 Oct 2025
Trough 26 Aug 2025 · recovered in 38 days
-1.3%
1 Oct 2024 – 15 Oct 2024
Trough 7 Oct 2024 · recovered in 8 days
-0.5%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
29
Vs category
54
Consistency
100
Risk-adjusted
18
Drawdown
96
Mean
59
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 · 15 holdings · top 10 are 93.6%.
- Top 5
- 57.0%
- Top 10
- 93.6%
- Largest holding
- 12.6%
- Effective holdings
- 9.8
STATE DEVELOPMENT LOAN 31754 HAR 29JU32 7.86 FV RS 100
Unspecified
12.6%
7.02% Punjab SDL (01-Jul-2030)
Unspecified
12.3%
Cash Margin
Unspecified
12.3%
Cash/Net Current Assets
Unspecified
11.4%
STATE DEVELOPMENT LOAN 35482 TN 22JN35 7.15 FV RS 100
Unspecified
8.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
LIC MF Medium to Long Term Fund
LIC Mutual Fund
- 1Y
- +3.4%
- 3Y
- +7.3%
- Vol
- 2.7%
- Max DD
- -6.2%
- Sharpe
- 0.42
- 3Y win
- +22%
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Medium to Long Term Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +1.4%
- 3Y
- +5.9%
- Vol
- 3.7%
- Max DD
- -10.3%
- Sharpe
- 0.42
- 3Y win
- +64%
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Bandhan Medium to Long Term Fund
Bandhan Mutual Fund
- 1Y
- +5.1%
- 3Y
- +6.8%
- Vol
- 3.6%
- Max DD
- -6.9%
- Sharpe
- 0.47
- 3Y win
- +55%
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Canara Robeco Medium To Long Term Fund
Canara Robeco Mutual Fund
- 1Y
- +2.2%
- 3Y
- +6.1%
- Vol
- 2.9%
- Max DD
- -5.5%
- Sharpe
- 0.50
- 3Y win
- +38%
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
HDFC Medium to Long Term Fund
HDFC Mutual Fund
- 1Y
- +2.8%
- 3Y
- +6.5%
- Vol
- 3.5%
- Max DD
- -10.6%
- Sharpe
- 0.31
- 3Y win
- +28%
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER