Franklin India Pension Plan Regular Growth
HybridRetirementHigh Risk
Regular
NAV (04-Oct-24)
₹211.53-0.18%1D
Returns (Since Inception)
11.73%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹525 Cr
Expense Ratio
2.26%
ISIN
INF090I01510
Minimum SIP
₹500
Exit Load
3.00%
Inception Date
31 Mar 1997
About this fund
Franklin India Pension Plan Regular Growth is a Retirement mutual fund schemes offered by Franklin Templeton Mutual Fund. This fund has been in existence for 27 years, 6 months and 6 days, having been launched on 31-Mar-97.
As of 04-Oct-24, it has a Net Asset Value (NAV) of ₹211.53, Assets Under Management (AUM) of 525.37 Crores, and an expense ratio of 2.26%.
As of 04-Oct-24, it has a Net Asset Value (NAV) of ₹211.53, Assets Under Management (AUM) of 525.37 Crores, and an expense ratio of 2.26%.
- Franklin India Pension Plan Regular Growth has given a CAGR return of 11.73% since inception.
- The fund's asset allocation comprises around 39.24% in equities, 58.81% in debts, and 1.94% in cash & cash equivalents.
- You can start investing in Franklin India Pension Plan Regular 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
+18.99%
— (Cat Avg.)
3 Years
+9.66%
— (Cat Avg.)
5 Years
+10.50%
— (Cat Avg.)
10 Years
+9.40%
— (Cat Avg.)
Since Inception
+11.73%
— (Cat Avg.)
Portfolio Summaryas of 15th September 2024
| Equity | ₹206.18 Cr | 39.24% |
| Debt | ₹308.99 Cr | 58.81% |
| Others | ₹10.2 Cr | 1.94% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Small Industries Development Bank of India 7.68% | Bond - Corporate Bond | ₹51.89 Cr | 9.88% |
| 5.63% Govt Stock 2026 | Bond - Gov't/Treasury | ₹50.39 Cr | 9.59% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹26.86 Cr | 5.11% |
| HDB Financial Services Ltd. 7.5% | Bond - Corporate Bond | ₹26.69 Cr | 5.08% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹25.81 Cr | 4.91% |
| Ongc Petro Additions Limited | Bond - Corporate Bond | ₹25.66 Cr | 4.88% |
| Mahindra & Mahindra Financial Services Ltd | Bond - Corporate Bond | ₹25.66 Cr | 4.88% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹25.41 Cr | 4.84% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹24.98 Cr | 4.75% |
| HDFC Bank Ltd | Equity | ₹17.41 Cr | 3.31% |
| ICICI Bank Ltd | Equity | ₹14.48 Cr | 2.76% |
| Infosys Ltd | Equity | ₹10.61 Cr | 2.02% |
| 7.04% Govt Stock 2029 | Bond - Gov't/Treasury | ₹10.33 Cr | 1.97% |
| Larsen & Toubro Ltd | Equity | ₹9.79 Cr | 1.86% |
| Bharti Airtel Ltd | Equity | ₹9.15 Cr | 1.74% |
| Call, Cash & Other Assets | Cash - Collateral | ₹8.32 Cr | 1.58% |
| Reliance Industries Ltd | Equity | ₹7.16 Cr | 1.36% |
| Axis Bank Ltd | Equity | ₹6.66 Cr | 1.27% |
| HCL Technologies Ltd | Equity | ₹6.47 Cr | 1.23% |
| Zomato Ltd | Equity | ₹5.76 Cr | 1.10% |
| NTPC Ltd | Equity | ₹5.3 Cr | 1.01% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹5.17 Cr | 0.98% |
| Kotak Mahindra Investments Limited 8.3774% | Bond - Corporate Bond | ₹5.14 Cr | 0.98% |
| Tata Motors Ltd | Equity | ₹5.06 Cr | 0.96% |
| 5.15% Govt Stock 2025 | Bond - Gov't/Treasury | ₹5 Cr | 0.95% |
| Crompton Greaves Consumer Electricals Ltd | Equity | ₹4.77 Cr | 0.91% |
| Apollo Hospitals Enterprise Ltd | Equity | ₹4.7 Cr | 0.90% |
| State Bank of India | Equity | ₹4.67 Cr | 0.89% |
| Marico Ltd | Equity | ₹4.5 Cr | 0.86% |
| United Spirits Ltd | Equity | ₹4.39 Cr | 0.84% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹4.26 Cr | 0.81% |
| PB Fintech Ltd | Equity | ₹4.25 Cr | 0.81% |
| Jubilant Foodworks Ltd | Equity | ₹4.09 Cr | 0.78% |
| IndusInd Bank Ltd | Equity | ₹4.03 Cr | 0.77% |
| Maruti Suzuki India Ltd | Equity | ₹3.45 Cr | 0.66% |
| HDFC Life Insurance Co Ltd | Equity | ₹3.39 Cr | 0.64% |
| Pearl Global Industries Ltd | Equity | ₹3.29 Cr | 0.63% |
| Kirloskar Oil Engines Ltd | Equity | ₹3.26 Cr | 0.62% |
| Sapphire Foods India Ltd | Equity | ₹3.15 Cr | 0.60% |
| Tech Mahindra Ltd | Equity | ₹3.1 Cr | 0.59% |
| Eris Lifesciences Ltd Registered Shs | Equity | ₹2.94 Cr | 0.56% |
| GAIL (India) Ltd | Equity | ₹2.89 Cr | 0.55% |
| Amara Raja Energy & Mobility Ltd | Equity | ₹2.74 Cr | 0.52% |
| TeamLease Services Ltd | Equity | ₹2.61 Cr | 0.50% |
| Bharat Electronics Ltd | Equity | ₹2.51 Cr | 0.48% |
| Oil & Natural Gas Corp Ltd | Equity | ₹2.48 Cr | 0.47% |
| Bharti Hexacom Ltd | Equity | ₹2.45 Cr | 0.47% |
| UltraTech Cement Ltd | Equity | ₹2.23 Cr | 0.42% |
| SBI Cards and Payment Services Ltd Ordinary Shares | Equity | ₹2.17 Cr | 0.41% |
| Tube Investments of India Ltd Ordinary Shares | Equity | ₹2.17 Cr | 0.41% |
| Dalmia Bharat Ltd | Equity | ₹2.09 Cr | 0.40% |
| Prestige Estates Projects Ltd | Equity | ₹2.08 Cr | 0.40% |
| Intellect Design Arena Ltd. | Equity | ₹2.05 Cr | 0.39% |
| Lemon Tree Hotels Ltd | Equity | ₹2.04 Cr | 0.39% |
| Tata Steel Ltd | Equity | ₹1.95 Cr | 0.37% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹1.88 Cr | 0.36% |
| Metropolis Healthcare Ltd | Equity | ₹1.63 Cr | 0.31% |
| Amber Enterprises India Ltd Ordinary Shares | Equity | ₹1.56 Cr | 0.30% |
| Apeejay Surrendra Park Hotels Ltd | Equity | ₹1.54 Cr | 0.29% |
| Indus Towers Ltd Ordinary Shares | Equity | ₹1.51 Cr | 0.29% |
| Voltas Ltd | Equity | ₹1.25 Cr | 0.24% |
| SRF Ltd | Equity | ₹1.23 Cr | 0.23% |
| Affle India Ltd | Equity | ₹1.11 Cr | 0.21% |
| PNB Housing Finance Ltd | Equity | ₹1.02 Cr | 0.19% |
| 360 One Wam Ltd Ordinary Shares | Equity | ₹0.98 Cr | 0.19% |
| Chemplast Sanmar Ltd | Equity | ₹0.98 Cr | 0.19% |
| Piramal Pharma Ltd | Equity | ₹0.82 Cr | 0.16% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹59.05 Cr | 11.24% |
| Consumer Cyclical | ₹34.71 Cr | 6.61% |
| Industrials | ₹24.33 Cr | 4.63% |
| Technology | ₹20.18 Cr | 3.84% |
| Healthcare | ₹14.36 Cr | 2.73% |
| Communication Services | ₹14.21 Cr | 2.71% |
| Energy | ₹9.63 Cr | 1.83% |
| Consumer Defensive | ₹8.89 Cr | 1.69% |
| Basic Materials | ₹8.48 Cr | 1.61% |
| Utilities | ₹8.19 Cr | 1.56% |
| Real Estate | ₹2.08 Cr | 0.40% |
Risk & Performance Ratios
Standard Deviation
This fund
5.40%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.74
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
PR
Pallab Roy
Since March 2024
Anuj Tagra
Since April 2024
Varun Sharma
Since September 2023
RK
Rajasa Kakulavarapu
Since September 2021
Additional Scheme Detailsas of 15th September 2024
ISIN | INF090I01510 | Expense Ratio | 2.26% | Exit Load | 3.00% | Fund Size | ₹525 Cr | Age | 27 years 6 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  |
|---|---|---|---|---|
| Tata Retirement Savings Moderate Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2205.81 Cr | 31.2% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹177.52 Cr | 14.7% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2131.58 Cr | 37.4% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹950.70 Cr | 36.1% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹76.25 Cr | 21.5% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹950.70 Cr | 38.0% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹393.70 Cr | 40.7% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.1% | 0.0% | ₹393.70 Cr | 42.7% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹76.25 Cr | 19.9% |
| Franklin India Pension Plan Regular Growth High Risk | 2.3% | 3.0% | ₹525.37 Cr | 19.0% |
About the AMC
Total AUM
₹1,10,399 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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We're here to help.
What is the current NAV of Franklin India Pension Plan Regular Growth?
The NAV of Franklin India Pension Plan Regular Growth, as of 04-Oct-2024, is ₹211.53.
What are the returns of Franklin India Pension Plan Regular Growth?
The fund has generated 18.99% over the last 1 year and 9.66% 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 Regular Growth?
The fund's allocation of assets is distributed as 39.24% in equities, 58.81% in bonds, and 1.94% in cash and cash equivalents.
Who manages the Franklin India Pension Plan Regular Growth?
The fund managers responsible for Franklin India Pension Plan Regular Growth are:-
- Pallab Roy
- Anuj Tagra
- Varun Sharma
- 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.
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Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.