Franklin India Pension Plan Direct Growth
HybridRetirementHigh Risk
Direct
NAV (18-Jun-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹521 Cr
Expense Ratio
1.46%
ISIN
INF090I01JZ3
Minimum SIP
₹500
Exit Load
3.00%
Inception Date
01 Jan 2013
About this fund
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹238.87, Assets Under Management (AUM) of 521.25 Crores, and an expense ratio of 1.46%.
- Franklin India Pension Plan Direct Growth has given a CAGR return of 10.57% since inception.
- The fund's asset allocation comprises around 37.96% in equities, 56.46% in debts, and 5.57% 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
+8.06%
— (Cat Avg.)
3 Years
+14.10%
— (Cat Avg.)
5 Years
+11.77%
— (Cat Avg.)
10 Years
+9.23%
— (Cat Avg.)
Since Inception
+10.57%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Equity | ₹197.87 Cr | 37.96% |
| Debt | ₹294.32 Cr | 56.46% |
| Others | ₹29.05 Cr | 5.57% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹51.79 Cr | 9.94% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹46.82 Cr | 8.98% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹27.36 Cr | 5.25% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹25.74 Cr | 4.94% |
| National Bank For Financing Infrastructure And Development | Bond - Corporate Bond | ₹25.6 Cr | 4.91% |
| Mahindra And Mahindra Financial Services Limited | Bond - Corporate Bond | ₹25.29 Cr | 4.85% |
| Poonawalla Fincorp Limited | Bond - Corporate Bond | ₹25.24 Cr | 4.84% |
| Punjab National Bank (18/03/2026) | Cash - CD/Time Deposit | ₹23.79 Cr | 4.56% |
| HDFC Bank Ltd | Equity | ₹21.39 Cr | 4.10% |
| ICICI Bank Ltd | Equity | ₹16.74 Cr | 3.21% |
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹15.69 Cr | 3.01% |
| Rec Limited | Bond - Corporate Bond | ₹13.94 Cr | 2.67% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹10.8 Cr | 2.07% |
| Larsen & Toubro Ltd | Equity | ₹9.96 Cr | 1.91% |
| Axis Bank Ltd | Equity | ₹8.94 Cr | 1.72% |
| Bharti Airtel Ltd | Equity | ₹8.91 Cr | 1.71% |
| Reliance Industries Ltd | Equity | ₹8.53 Cr | 1.64% |
| Infosys Ltd | Equity | ₹8.38 Cr | 1.61% |
| HCL Technologies Ltd | Equity | ₹6.22 Cr | 1.19% |
| Kotak Mahindra Investments Limited | Bond - Corporate Bond | ₹5.5 Cr | 1.06% |
| Call, Cash & Other Assets | Cash - Collateral | ₹5.27 Cr | 1.01% |
| United Spirits Ltd | Equity | ₹5.24 Cr | 1.01% |
| Eternal Ltd | Equity | ₹5.24 Cr | 1.01% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹5.14 Cr | 0.99% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹5.13 Cr | 0.98% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹5.09 Cr | 0.98% |
| NTPC Ltd | Equity | ₹5.01 Cr | 0.96% |
| 7.08% A P Sgl Mat - 26/03/2037 | Bond - Gov't/Treasury | ₹4.74 Cr | 0.91% |
| UltraTech Cement Ltd | Equity | ₹4.37 Cr | 0.84% |
| State Bank of India | Equity | ₹4.31 Cr | 0.83% |
| Apollo Hospitals Enterprise Ltd | Equity | ₹4.13 Cr | 0.79% |
| PB Fintech Ltd | Equity | ₹4.05 Cr | 0.78% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹4.03 Cr | 0.77% |
| Tata Motors Ltd | Equity | ₹3.81 Cr | 0.73% |
| GAIL (India) Ltd | Equity | ₹3.8 Cr | 0.73% |
| HDFC Life Insurance Co Ltd | Equity | ₹3.73 Cr | 0.72% |
| Maruti Suzuki India Ltd | Equity | ₹3.7 Cr | 0.71% |
| Eris Lifesciences Ltd Registered Shs | Equity | ₹3.32 Cr | 0.64% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹3.28 Cr | 0.63% |
| Intellect Design Arena Ltd | Equity | ₹2.98 Cr | 0.57% |
| Jubilant Foodworks Ltd | Equity | ₹2.77 Cr | 0.53% |
| Hindustan Unilever Ltd | Equity | ₹2.7 Cr | 0.52% |
| Bharat Electronics Ltd | Equity | ₹2.69 Cr | 0.52% |
| InterGlobe Aviation Ltd | Equity | ₹2.67 Cr | 0.51% |
| Sapphire Foods India Ltd | Equity | ₹2.48 Cr | 0.48% |
| Tube Investments of India Ltd Ordinary Shares | Equity | ₹2.45 Cr | 0.47% |
| Lemon Tree Hotels Ltd | Equity | ₹2.37 Cr | 0.45% |
| Tech Mahindra Ltd | Equity | ₹2.36 Cr | 0.45% |
| PNB Housing Finance Ltd | Equity | ₹2.3 Cr | 0.44% |
| Marico Ltd | Equity | ₹2.28 Cr | 0.44% |
| Prestige Estates Projects Ltd | Equity | ₹2.27 Cr | 0.44% |
| Metropolis Healthcare Ltd | Equity | ₹2.27 Cr | 0.44% |
| Amber Enterprises India Ltd Ordinary Shares | Equity | ₹2.18 Cr | 0.42% |
| Amara Raja Energy & Mobility Ltd | Equity | ₹2.16 Cr | 0.42% |
| Kirloskar Oil Engines Ltd | Equity | ₹2.08 Cr | 0.40% |
| V-Mart Retail Ltd | Equity | ₹2.08 Cr | 0.40% |
| Tata Steel Ltd | Equity | ₹2.04 Cr | 0.39% |
| Indus Towers Ltd Ordinary Shares | Equity | ₹1.92 Cr | 0.37% |
| Pearl Global Industries Ltd | Equity | ₹1.89 Cr | 0.36% |
| Chemplast Sanmar Ltd | Equity | ₹1.7 Cr | 0.33% |
| TeamLease Services Ltd | Equity | ₹1.17 Cr | 0.23% |
| Cholamandalam Investment and Finance Co Ltd | Equity | ₹0.96 Cr | 0.18% |
| Rajasthan (Government of ) 7.1% | Bond - Sub-sovereign Government Debt | ₹0.43 Cr | 0.08% |
Allocation By Market Cap (Equity)
Large Cap Stocks
28.32%
Mid Cap Stocks
3.44%
Small Cap Stocks
6.19%
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹62.42 Cr | 11.98% |
| Consumer Cyclical | ₹29.81 Cr | 5.72% |
| Industrials | ₹23.19 Cr | 4.45% |
| Technology | ₹19.94 Cr | 3.83% |
| Healthcare | ₹13.74 Cr | 2.64% |
| Communication Services | ₹10.83 Cr | 2.08% |
| Consumer Defensive | ₹10.22 Cr | 1.96% |
| Utilities | ₹8.8 Cr | 1.69% |
| Energy | ₹8.53 Cr | 1.64% |
| Basic Materials | ₹8.11 Cr | 1.56% |
| Real Estate | ₹2.27 Cr | 0.44% |
Risk & Performance Ratios
Standard Deviation
This fund
5.70%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
1.01
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
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 31st May 2025
ISIN | INF090I01JZ3 | Expense Ratio | 1.46% | 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:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
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% | ₹381.68 Cr | 6.2% |
| Baroda BNP Paribas Retirement Fund Direct Growth Very High Risk | 0.5% | 0.0% | ₹381.68 Cr | 8.3% |
| PGIM India Retirement Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹84.45 Cr | 10.3% |
| PGIM India Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹84.45 Cr | 8.6% |
| Bandhan Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹180.46 Cr | 4.2% |
| Bandhan Retirement Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹180.46 Cr | 5.9% |
| Nippon India Retirement Fund - Income Generation Scheme Direct Growth Moderately High risk | 1.0% | 0.0% | ₹156.73 Cr | 8.1% |
| Nippon India Retirement Fund - Income Generation Scheme Regular Growth Moderately High risk | 2.1% | 0.0% | ₹156.73 Cr | 6.9% |
| Nippon India Retirement Fund - Wealth Creation Scheme Regular Growth Very High Risk | 1.9% | 0.0% | ₹3189.62 Cr | 1.5% |
| Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth Very High Risk | 1.0% | 0.0% | ₹3189.62 Cr | 2.5% |
About the AMC
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
Risk Level
Your principal amount will be at High Risk
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- Ajay Argal
- Pallab Roy
- Anuj Tagra
- Rajasa Kakulavarapu
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