HealthyDirect · Option n/aFit for a long SIP
Franklin India Short-Term Income Plan (no. of segregated portfolios- 3)
Franklin Templeton Mutual FundDebt Scheme - Short Duration Fund13.8 years
- NAV
- 4,281.414
- 2 May 2025
- 1Y
- +192.3%
- Trailing CAGR
- AUM
- ₹4.34 Cr
- 31 Mar 2021
- Volatility
- n/a
- History still thin
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 2 May 2025
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Watch if · Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
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
0.00% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -17.3%. 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
n/a
Holdings weights not on file for this scheme yet.
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+192.3%
- 3Y+47.3%
- 5Y+31.0%
- 10Y+13.3%
- SI+11.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+481.3%
- 3Y+86.4%
- 5Y+48.9%
- 10Y+22.7%
- Since inception
- +11.1%
- Calendar-day CAGR
- Excess 1Y
- n/a
- 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
- +86.4%
- Simulated monthly SIP
- Worst rolling 3Y
- -5.7%
- 2255 daily-ending windows
- Median rolling 3Y
- +1.5%
- Calendar-day CAGR
- Positive rolling 5Y
- +80%
- 1773 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -17.3%
- Worst peak-to-trough
- Current
- 0.0%
- At peak
- Current spell
- 0 days
- Days below latest peak
- Time below peak
- +73%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 25 days
- 72 recovered episodes
- Longest recovery
- 394 days
- Trough to prior peak
2 Apr 2019 – 29 Sept 2021
Trough 31 Aug 2020 · recovered in 394 days
-17.3%
22 May 2013 – 6 Jun 2014
Trough 19 Aug 2013 · recovered in 291 days
-4.2%
20 Nov 2015 – 4 Oct 2016
Trough 25 Feb 2016 · recovered in 222 days
-3.0%
27 Oct 2017 – 20 Dec 2018
Trough 25 Sept 2018 · recovered in 86 days
-2.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
n/a
Consistency
n/a
Risk-adjusted
n/a
Drawdown
57
Mean
n/a
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
No supporting reads in the current evidence set.
Risk metrics are withheld because the NAV history contains an implausible daily move above 50%.
No holdings or recent changes on file for this scheme yet.
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Aditya Birla Sun Life Short Term Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +4.6%
- 3Y
- +7.4%
- Vol
- 1.6%
- Max DD
- -2.7%
- Sharpe
- 1.53
- 3Y win
- +91%
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
DSP Short Term Fund
DSP Mutual Fund
- 1Y
- +4.0%
- 3Y
- +7.0%
- Vol
- 1.4%
- Max DD
- -2.8%
- Sharpe
- 1.27
- 3Y win
- +2%
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
ICICI Prudential Short Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +4.9%
- 3Y
- +7.4%
- Vol
- 1.6%
- Max DD
- -3.4%
- Sharpe
- 1.50
- 3Y win
- +95%
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
ICICI Prudential Short Term Fund - Div. Option
ICICI Prudential Mutual Fund
- 1Y
- -1.0%
- 3Y
- -0.2%
- Vol
- 2.7%
- Max DD
- -6.0%
- Sharpe
- -1.95
- 3Y win
- n/a
- Shallower drawdown
Caveat: Lower trailing returns
JM Short Term Fund..
JM Financial Mutual Fund
- 1Y
- +4.3%
- 3Y
- +7.0%
- Vol
- 0.9%
- Max DD
- -0.5%
- Sharpe
- 0.98
- 3Y win
- 0%
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns