Franklin India Pension Plan Direct Growth

Fund Overview

Fund Size

₹521 Cr

Expense Ratio

1.55%

ISIN

INF090I01JZ3

Minimum SIP

₹500

Exit Load

3.00%

Inception Date

01 Jan 2013

About this fund

Franklin India Pension Plan Direct Growth is a Retirement mutual fund schemes offered by Franklin Templeton Mutual Fund. This fund has been in existence for 12 years, 5 months and 8 days, having been launched on 01-Jan-13.
As of 06-Jun-25, it has a Net Asset Value (NAV) of ₹239.92, Assets Under Management (AUM) of 521.40 Crores, and an expense ratio of 1.55%.

Franklin India Pension Plan Direct Growth has given a CAGR return of 10.63% since inception.
The fund's asset allocation comprises around 37.91% in equities, 57.23% in debts, and 4.86% in cash & cash equivalents.
You can start investing in Franklin India Pension Plan Direct Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+10.45%

— (Cat Avg.)

3 Years

+13.19%

— (Cat Avg.)

5 Years

+11.89%

— (Cat Avg.)

10 Years

+9.37%

— (Cat Avg.)

Since Inception

+10.63%

— (Cat Avg.)

Portfolio Summaryas of 15th May 2025

Equity	₹197.67 Cr	37.91%
Debt	₹298.4 Cr	57.23%
Others	₹25.33 Cr	4.86%

Top Holdings

All Holdings

Equity

Debt & Others

Name	Type	Amount	Holdings
Small Industries Development Bank Of India	Bond - Corporate Bond	₹51.47 Cr	9.87%
7.48% National Bank For Agriculture And Rural Development	Bond - Corporate Bond	₹46.39 Cr	8.90%
Mahindra & Mahindra Financial Services Ltd	Bond - Corporate Bond	₹27.2 Cr	5.22%
LIC Housing Finance Ltd	Bond - Corporate Bond	₹27.19 Cr	5.21%
Bajaj Housing Finance Limited	Bond - Corporate Bond	₹25.63 Cr	4.92%
National Bank for Financing Infrastructure & Development 7.03%	Bond - Gov't Agency Debt	₹25.36 Cr	4.86%
Call, Cash & Other Assets	Cash - Collateral	₹25.33 Cr	4.86%
Poonawalla Fincorp Ltd 7.7%	Bond - Corporate Bond	₹25.25 Cr	4.84%
HDFC Bank Ltd	Equity	₹21.27 Cr	4.08%
ICICI Bank Ltd	Equity	₹16.8 Cr	3.22%
Rural Electrification Corporation Limited	Bond - Corporate Bond	₹13.81 Cr	2.65%
Bharti Telecom Limited 8.75%	Bond - Corporate Bond	₹10.73 Cr	2.06%
Larsen & Toubro Ltd	Equity	₹9.81 Cr	1.88%
Axis Bank Ltd	Equity	₹9.07 Cr	1.74%
Bharti Airtel Ltd	Equity	₹8.96 Cr	1.72%
Reliance Industries Ltd	Equity	₹8.73 Cr	1.67%
Infosys Ltd	Equity	₹8.65 Cr	1.66%
HCL Technologies Ltd	Equity	₹6.44 Cr	1.24%
Kotak Mahindra Investments Ltd. 8.3774%	Bond - Corporate Bond	₹5.48 Cr	1.05%
Eternal Ltd	Equity	₹5.34 Cr	1.02%
United Spirits Ltd	Equity	₹5.31 Cr	1.02%
West Bengal (Government of) 7.1%	Bond - Sub-sovereign Government Debt	₹5.21 Cr	1.00%
Kerala (Government of) 7.1%	Bond - Sub-sovereign Government Debt	₹5.21 Cr	1.00%
Rajasthan (Government of ) 7.1%	Bond - Sub-sovereign Government Debt	₹5.2 Cr	1.00%
Himachal Pradesh (Government of) 7.1%	Bond - Sub-sovereign Government Debt	₹5.2 Cr	1.00%
HDFC Bank Limited	Bond - Corporate Bond	₹5.07 Cr	0.97%
7.08% Andhra Pradesh State Development Loans (26/03/2037)	Bond - Gov't/Treasury	₹4.71 Cr	0.90%
Haryana (State Of) 7.09%	Bond - Sub-sovereign Government Debt	₹4.67 Cr	0.90%
UltraTech Cement Ltd	Equity	₹4.64 Cr	0.89%
NTPC Ltd	Equity	₹4.51 Cr	0.87%
State Bank of India	Equity	₹4.28 Cr	0.82%
Apollo Hospitals Enterprise Ltd	Equity	₹4.24 Cr	0.81%
PB Fintech Ltd	Equity	₹4.09 Cr	0.78%
Sun Pharmaceuticals Industries Ltd	Equity	₹4 Cr	0.77%
Maruti Suzuki India Ltd	Equity	₹3.89 Cr	0.75%
Tata Motors Ltd	Equity	₹3.86 Cr	0.74%
GAIL (India) Ltd	Equity	₹3.7 Cr	0.71%
HDFC Life Insurance Co Ltd	Equity	₹3.61 Cr	0.69%
Eris Lifesciences Ltd Registered Shs	Equity	₹3.11 Cr	0.60%
Crompton Greaves Consumer Electricals Ltd	Equity	₹3.04 Cr	0.58%
Jubilant Foodworks Ltd	Equity	₹2.89 Cr	0.55%
InterGlobe Aviation Ltd	Equity	₹2.79 Cr	0.54%
Hindustan Unilever Ltd	Equity	₹2.71 Cr	0.52%
Intellect Design Arena Ltd	Equity	₹2.61 Cr	0.50%
7.08% Haryana State Development Loans (26/03/2039)	Bond - Gov't/Treasury	₹2.46 Cr	0.47%
Bharat Electronics Ltd	Equity	₹2.45 Cr	0.47%
Tech Mahindra Ltd	Equity	₹2.44 Cr	0.47%
Sapphire Foods India Ltd	Equity	₹2.4 Cr	0.46%
PNB Housing Finance Ltd	Equity	₹2.36 Cr	0.45%
Lemon Tree Hotels Ltd	Equity	₹2.36 Cr	0.45%
Tube Investments of India Ltd Ordinary Shares	Equity	₹2.33 Cr	0.45%
Marico Ltd	Equity	₹2.29 Cr	0.44%
Prestige Estates Projects Ltd	Equity	₹2.2 Cr	0.42%
Kerala (Government of) 7.08%	Bond - Sub-sovereign Government Debt	₹2.18 Cr	0.42%
Amara Raja Energy & Mobility Ltd	Equity	₹2.14 Cr	0.41%
Amber Enterprises India Ltd Ordinary Shares	Equity	₹2.14 Cr	0.41%
V-Mart Retail Ltd	Equity	₹2.12 Cr	0.41%
Tata Steel Ltd	Equity	₹2 Cr	0.38%
Indus Towers Ltd Ordinary Shares	Equity	₹1.98 Cr	0.38%
Kirloskar Oil Engines Ltd	Equity	₹1.98 Cr	0.38%
Metropolis Healthcare Ltd	Equity	₹1.95 Cr	0.37%
Chemplast Sanmar Ltd	Equity	₹1.59 Cr	0.31%
Pearl Global Industries Ltd	Equity	₹1.46 Cr	0.28%
TeamLease Services Ltd	Equity	₹1.21 Cr	0.23%
Cholamandalam Investment and Finance Co Ltd	Equity	₹0.97 Cr	0.19%
IndusInd Bank Ltd	Equity	₹0.94 Cr	0.18%

Allocation By Market Cap (Equity)

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

Sector	Amount	Holdings
Financial Services	₹63.38 Cr	12.16%
Consumer Cyclical	₹29.5 Cr	5.66%
Industrials	₹22.71 Cr	4.36%
Technology	₹20.14 Cr	3.86%
Healthcare	₹13.31 Cr	2.55%
Communication Services	₹10.95 Cr	2.10%
Consumer Defensive	₹10.31 Cr	1.98%
Energy	₹8.73 Cr	1.67%
Basic Materials	₹8.23 Cr	1.58%
Utilities	₹8.21 Cr	1.58%
Real Estate	₹2.2 Cr	0.42%

Risk & Performance Ratios

Fund Managers

Ajay Argal

Since October 2024

Pallab Roy

Since March 2024

Anuj Tagra

Since April 2024

Rajasa Kakulavarapu

Since September 2021

Additional Scheme Detailsas of 15th May 2025

ISIN

INF090I01JZ3

Expense Ratio

1.55%

Exit Load

3.00%

Fund Size

₹521 Cr

Age

12 years 5 months

Lumpsum Minimum

₹500

Fund Status

Open Ended Investment Company

Benchmark

CRISIL Composite Bond TR INR

Investment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

Capital Gains Taxation:

Dividend Taxation:

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

Similar Retirement Funds

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Baroda BNP Paribas Retirement Fund Regular Growth Very High Risk	2.3%	0.0%	₹372.35 Cr	10.2%
Baroda BNP Paribas Retirement Fund Direct Growth Very High Risk	0.5%	0.0%	₹372.35 Cr	12.4%
PGIM India Retirement Fund Direct Growth Very High Risk	0.7%	0.0%	₹80.58 Cr	17.0%
PGIM India Retirement Fund Regular Growth Very High Risk	2.3%	0.0%	₹80.58 Cr	15.2%
Bandhan Retirement Fund Regular Growth Very High Risk	2.3%	0.0%	₹176.53 Cr	7.6%
Bandhan Retirement Fund Direct Growth Very High Risk	0.7%	0.0%	₹176.53 Cr	9.4%
Nippon India Retirement Fund - Income Generation Scheme Direct Growth Moderately High risk	1.0%	0.0%	₹155.56 Cr	10.8%
Nippon India Retirement Fund - Income Generation Scheme Regular Growth Moderately High risk	2.1%	0.0%	₹155.56 Cr	9.6%
Nippon India Retirement Fund - Wealth Creation Scheme Regular Growth Very High Risk	1.9%	0.0%	₹3118.53 Cr	8.8%
Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth Very High Risk	1.0%	0.0%	₹3118.53 Cr	9.8%
ICICI Prudential Retirement Fund Pure Debt Plan Regular Growth Moderately High risk	2.2%	0.0%	₹106.58 Cr	8.6%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Direct Growth Very High Risk	0.9%	0.0%	₹789.64 Cr	10.8%
ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth Very High Risk	0.9%	0.0%	₹1128.60 Cr	14.7%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Regular Growth Very High Risk	2.3%	0.0%	₹789.64 Cr	9.2%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth High Risk	0.7%	0.0%	₹78.73 Cr	10.1%
ICICI Prudential Retirement Fund Pure Debt Plan Direct Growth Moderately High risk	1.3%	0.0%	₹106.58 Cr	9.6%
ICICI Prudential Retirement Fund Pure Equity Plan Regular Growth Very High Risk	2.1%	0.0%	₹1128.60 Cr	13.2%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Regular Growth High Risk	2.1%	0.0%	₹78.73 Cr	8.8%
Tata Retirement Savings Moderate Fund Direct Growth Very High Risk	0.6%	1.0%	₹2067.20 Cr	14.3%
Tata Retirement Savings Conservative Fund Direct Growth Moderately High risk	1.0%	1.0%	₹176.86 Cr	9.5%
Tata Retirement Savings Progressive Fund Direct Growth Very High Risk	0.6%	1.0%	₹1978.10 Cr	13.8%
Franklin India Pension Plan Direct Growth Moderately High risk	1.6%	3.0%	₹521.40 Cr	10.4%
SBI Retirement Benefit Fund - Aggressive Plan Regular Growth Very High Risk	1.9%	0.0%	₹2753.41 Cr	4.3%
SBI Retirement Benefit Fund - Aggressive Plan Direct Growth Very High Risk	0.9%	0.0%	₹2753.41 Cr	5.4%
SBI Retirement Benefit Fund - Conservative Plan Regular Growth Moderately High risk	1.4%	0.0%	₹179.17 Cr	9.2%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct Growth Very High Risk	1.1%	0.0%	₹1506.90 Cr	6.6%
SBI Retirement Benefit Fund - Conservative Plan Direct Growth Moderately High risk	0.9%	0.0%	₹179.17 Cr	9.7%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Regular Growth Very High Risk	2.1%	0.0%	₹1506.90 Cr	5.5%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth Very High Risk	1.2%	0.0%	₹379.57 Cr	13.1%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Regular Growth Very High Risk	2.4%	0.0%	₹379.57 Cr	11.7%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Direct Growth Moderate Risk	0.8%	0.0%	₹17.84 Cr	8.3%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth Very High Risk	1.0%	0.0%	₹112.41 Cr	13.8%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth Very High Risk	2.4%	0.0%	₹112.41 Cr	12.3%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Regular Growth Moderate Risk	2.1%	0.0%	₹17.84 Cr	7.0%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct Growth Moderate Risk	0.6%	0.0%	₹26.18 Cr	9.7%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular Growth Moderate Risk	1.9%	0.0%	₹26.18 Cr	8.3%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth Moderately High risk	1.7%	0.0%	₹283.01 Cr	7.9%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct Growth Moderately High risk	1.2%	0.0%	₹283.01 Cr	8.4%
Union Retirement Fund Regular Growth Very High Risk	2.4%	0.0%	₹160.70 Cr	9.1%
Union Retirement Fund Direct Growth Very High Risk	1.0%	0.0%	₹160.70 Cr	10.6%
Franklin India Pension Plan Regular Growth Moderately High risk	2.3%	3.0%	₹521.40 Cr	9.6%
Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk	2.2%	0.0%	₹61.93 Cr	8.1%
Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk	1.3%	0.0%	₹330.45 Cr	13.3%
Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk	2.4%	0.0%	₹330.45 Cr	11.9%
Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk	1.1%	0.0%	₹808.30 Cr	13.0%
Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk	0.9%	0.0%	₹61.93 Cr	9.6%
Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk	2.3%	0.0%	₹808.30 Cr	11.5%
Tata Retirement Savings Progressive Fund Regular Growth Very High Risk	2.0%	1.0%	₹1978.10 Cr	12.1%
Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk	2.2%	1.0%	₹176.86 Cr	8.2%
Tata Retirement Savings Moderate Fund Regular Growth Very High Risk	2.0%	1.0%	₹2067.20 Cr	12.7%

About the AMC

Franklin Templeton Mutual Fund

+91 22 6751 9100

https://www.franklintempletonindia.com/

Total AUM

₹1,08,971 Cr

Address

Indiabulls Finance Centre; Tower 2, 12th and 13th Floor, Mumbai, 400 013

Other Funds by Franklin Templeton Mutual Fund

Fund name	Expense Ratio	Exit Load	Fund size	1Y
Franklin India Multi-Asset Solution Fund of Funds Direct Growth Moderate Risk	0.4%	1.0%	₹68.62 Cr	16.6%
Franklin India Equity Savings Fund Direct Growth Low to Moderate Risk	0.4%	0.0%	₹671.64 Cr	8.4%
Franklin India Overnight Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹761.51 Cr	6.5%
Franklin India Floating Rate Fund Direct Growth Moderate Risk	0.3%	0.0%	₹327.95 Cr	10.5%
Franklin India Credit Risk Fund Direct Growth High Risk	-	3.0%	₹104.00 Cr	7.5%
Franklin India Money Market Fund Direct Growth Low to Moderate Risk	0.1%	0.0%	₹3276.58 Cr	8.5%
Templeton India Value Fund Direct Growth Very High Risk	0.8%	1.0%	₹2195.23 Cr	4.9%
Templeton India Equity Income Fund Direct Growth Very High Risk	1.3%	1.0%	₹2338.16 Cr	5.1%
Franklin India Government Securities Direct Growth Low to Moderate Risk	0.6%	0.0%	₹154.65 Cr	9.9%
Franklin India Corporate Debt Fund Direct Growth Moderate Risk	0.2%	0.0%	₹779.83 Cr	11.5%
Franklin India Pension Plan Direct Growth Moderately High risk	1.6%	3.0%	₹521.40 Cr	10.4%
Franklin India Short Term Income Plan Direct Growth Moderate Risk	-	0.0%	₹12.51 Cr	6.6%
Franklin Asian Equity Fund Direct Growth Very High Risk	1.6%	1.0%	₹237.05 Cr	12.5%
Franklin India Opportunities Fund Direct Growth Very High Risk	0.6%	1.0%	₹6484.96 Cr	11.6%
Franklin Build India Direct Growth Very High Risk	0.9%	1.0%	₹2725.60 Cr	6.9%
Franklin India Bluechip Fund Direct Growth Very High Risk	1.2%	1.0%	₹7600.34 Cr	11.4%
Franklin India Flexi Cap Fund Direct Growth Very High Risk	1.0%	1.0%	₹18224.57 Cr	12.2%
Franklin India Prima Fund Direct Growth Very High Risk	1.1%	1.0%	₹11761.50 Cr	13.7%
Franklin India Equity Advantage Fund Direct Growth Very High Risk	1.3%	1.0%	₹3375.00 Cr	14.5%
Franklin India Smaller Companies Fund Direct Growth Very High Risk	1.0%	1.0%	₹12530.32 Cr	5.2%
Franklin India Focused Equity Fund Direct Growth Very High Risk	1.1%	1.0%	₹11968.47 Cr	8.9%
Franklin India Taxshield Fund Direct Growth Very High Risk	1.1%	0.0%	₹6592.42 Cr	11.9%
Franklin India Technology Fund Direct Growth Very High Risk	1.0%	1.0%	₹1758.87 Cr	11.6%
Franklin India Equity Hybrid Fund Direct Growth Very High Risk	0.9%	1.0%	₹2131.25 Cr	11.7%
Franklin India Dynamic Asset Allo FOF Direct Growth High Risk	0.5%	1.0%	₹1301.16 Cr	10.7%
Franklin India NSE Nifty 50 Index Fund Direct Growth Very High Risk	0.3%	0.0%	₹726.80 Cr	10.6%
Franklin India Feeder - Franklin U.S. Opportunities Fund Direct Growth Very High Risk	0.7%	1.0%	₹3511.12 Cr	13.8%
Franklin India Debt Hybrid Fund Direct Growth Moderately High risk	0.7%	0.0%	₹203.62 Cr	10.8%
Franklin India Feeder - Templeton European Opportunities Fund Direct Growth Very High Risk	0.5%	1.0%	₹17.46 Cr	9.9%
Franklin India Short Term Income Plan Segregated Portfolio 2 Direct Growth Moderate Risk	-	0.0%	₹164.26 Cr	309.1%
Franklin India Income Opportunities Fund Segregated Portfolio 2 Direct Growth Moderate Risk	-	0.0%	₹45.54 Cr	309.1%
Franklin India Low Duration Fund Segregated Portfolio 2 Direct Growth Moderate Risk	-	0.0%	₹47.42 Cr	308.8%
Franklin India Dynamic Accrual Fund Segregated Portfolio 2 Direct Growth Low Risk	-	0.0%	₹29.52 Cr	309.0%
Franklin India Credit Risk Fund Segregated Portfolio 2 Direct Growth Very High Risk	-	0.0%	₹105.84 Cr	309.1%
Franklin India Debt Hybrid Fund Segregated Portfolio 1 Direct Growth Moderately High risk	0.7%	0.0%	-	-
Franklin India Short Term Income Plan Segregated Portfolio 3 Direct Growth Very High Risk	-	0.0%	-	-
Franklin India Balanced Advantage Fund Direct Growth Very High Risk	0.5%	1.0%	₹2596.17 Cr	11.0%
Franklin India Banking & PSU Debt Fund Direct Growth Moderate Risk	0.2%	0.0%	₹547.40 Cr	9.9%

Risk Level

Your principal amount will be at Moderately High risk

Take control of your wealth

Track and Analyse all your investments with Wealth Monitor

Rated ★ 4.3+ on

Still got questions?
We're here to help.

What is the current NAV of Franklin India Pension Plan Direct Growth?

The NAV of Franklin India Pension Plan Direct Growth, as of 06-Jun-2025, is ₹239.92.

What are the returns of Franklin India Pension Plan Direct Growth?

The fund has generated 10.45% over the last 1 year and 13.19% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.

What is the portfolio composition of Franklin India Pension Plan Direct Growth?

The fund's allocation of assets is distributed as 37.91% in equities, 57.23% in bonds, and 4.86% in cash and cash equivalents.

Who manages the Franklin India Pension Plan Direct Growth?

The fund managers responsible for Franklin India Pension Plan Direct Growth are:-

Ajay Argal
Pallab Roy
Anuj Tagra
Rajasa Kakulavarapu

Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.

;

Fund Overview

Fund Size

₹521 Cr

Expense Ratio

1.55%

ISIN

INF090I01JZ3

Minimum SIP

₹500

Exit Load

3.00%

Inception Date

01 Jan 2013

Risk Level

Your principal amount will be at Moderately High risk