MonitorDirect · GrowthWatch before adding
Franklin India Retirement Fund
Franklin Templeton Mutual FundSolution Oriented Scheme - Retirement Fund13.8 years
- NAV
- 234.9613
- 27 Oct 2026
- 1Y
- -3.7%
- Trailing CAGR
- AUM
- ₹47.02 Cr
- 30 Jun 2026
- Volatility
- Low
- 6.2% 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 · Risk-adjusted return sits above the documented risk-free proxy.
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer ICICI Prudential Retirement Fund Hybrid Conservative Plan 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
Watch
1.52% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -13.8%. Ask whether you can hold through a similar fall.
Vs category
Fail
4% 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
n/a
Holdings weights not on file for this scheme yet.
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-3.7%
- 3Y+7.2%
- 5Y+6.3%
- 10Y+7.5%
- SI+9.3%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-3.9%
- 3Y+2.0%
- 5Y+5.7%
- 10Y+7.4%
- Since inception
- +9.3%
- Calendar-day CAGR
- Excess 1Y
- -1.2%
- Category median, same plan and option
- 3Y win rate
- +4%
- Windows beating the median
- 3Y percentile
- 26
- Vs comparable share classes
- SIP 3Y XIRR
- +2.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +2.6%
- 2651 daily-ending windows
- Median rolling 3Y
- +9.6%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2159 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -13.8%
- Worst peak-to-trough
- Current
- -4.1%
- Below last peak
- Current spell
- 335 days
- Days below latest peak
- Time below peak
- +82%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 216 recovered episodes
- Longest recovery
- 212 days
- Trough to prior peak
19 Feb 2020 – 21 Oct 2020
Trough 23 Mar 2020 · recovered in 212 days
-13.8%
17 May 2013 – 15 Jan 2014
Trough 19 Aug 2013 · recovered in 149 days
-10.7%
17 Jan 2022 – 17 Aug 2022
Trough 17 Jun 2022 · recovered in 61 days
-7.4%
19 Aug 2015 – 4 Apr 2016
Trough 25 Feb 2016 · recovered in 39 days
-6.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
26
Vs category
43
Consistency
18
Risk-adjusted
53
Drawdown
66
Mean
41
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
No status reasons yet. History is still thin.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
What changed
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.
22 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
21 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
18 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
17 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
15 Sept 2026
DECISION
Status moved from REVIEW to MONITOR.
15 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
11 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
10 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
8 Sept 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Retirement Fund Hybrid Conservative Plan
ICICI Prudential Mutual Fund
- 1Y
- +1.7%
- 3Y
- +9.2%
- Vol
- 4.6%
- Max DD
- -10.2%
- Sharpe
- 0.73
- 3Y win
- +15%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
BANDHAN RETIREMENT FUND
Bandhan Mutual Fund
- 1Y
- -4.3%
- 3Y
- +8.8%
- Vol
- 8.4%
- Max DD
- -9.8%
- Sharpe
- 0.29
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility
Nippon India Retirement Fund- Income Generation Scheme
Nippon India Mutual Fund
- 1Y
- -2.5%
- 3Y
- +6.3%
- Vol
- 4.9%
- Max DD
- -7.4%
- Sharpe
- 0.30
- 3Y win
- +20%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
SBI Retirement Benefit Fund - Conservative Hybrid Plan
SBI Mutual Fund
- 1Y
- -1.4%
- 3Y
- +6.5%
- Vol
- 5.6%
- Max DD
- -6.9%
- Sharpe
- 0.47
- 3Y win
- +4%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Tata Retirement Savings Fund-Conservative Plan
Tata Mutual Fund
- 1Y
- +0.4%
- 3Y
- +7.2%
- Vol
- 4.9%
- Max DD
- -11.0%
- Sharpe
- 0.70
- 3Y win
- +20%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns