Franklin India Money Market Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Fund House : Franklin Templeton Mutual Fund

No of Debt Holding 54 (Category Avg - 86.75) | Modified Duration 0.38 Years (Category Avg - 0.45)| Yield to Maturity 6.19% (Category Avg - 6.27%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	1.12%	3.43%
CD	62.80%	57.91%
T-Bills	11.98%	9.20%
CP	19.82%	27.05%

Category - Money Market Fund

Security Type	% Weight	Category Average
Government Backed	13.10%	12.63%
Low Risk	82.62%	84.96%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Money Market Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Export Import Bank Of India	CD	Financial institution	P1+	CRISIL	2694.96	6.07%	5.50 k
Bond - Piramal Finance Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2692.10	6.06%	5.80 k
Bond - T-Bill	T-Bills	Other			2208.78	4.97%	2.25 Cr
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	1722.65	3.88%	3.50 k
Bond - T-Bill	T-Bills	Other			1494.26	3.37%	1.50 Cr
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	1466.59	3.30%	3.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	1184.67	2.67%	2.50 k
Bond - T-Bill	T-Bills	Other			999.24	2.25%	1.00 Cr
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	998.08	2.25%	2.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	989.88	2.23%	2.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	988.75	2.23%	2.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	F1+	FITCH	986.95	2.22%	2.00 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	984.55	2.22%	2.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	984.24	2.22%	2.00 k
Bond - Hero Fincorp Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	982.53	2.21%	2.00 k
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	979.83	2.21%	2.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	976.34	2.20%	2.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	976.21	2.20%	2.00 k
Bond - Tata Motors Finance Ltd.	CP	Non banking financial company (nbfc)	A1+	ICRA	975.49	2.20%	2.00 k
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	962.47	2.17%	2.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	741.67	1.67%	1.50 k
Bond - LIC Housing Finance Ltd.	CP	Housing finance company	A1+	ICRA	740.03	1.67%	1.50 k
Bond - IDBI Bank Ltd.	CD	Private sector bank	P1+	CRISIL	738.84	1.66%	1.50 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	F1+	FITCH	735.52	1.66%	1.50 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	734.97	1.66%	1.50 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	734.32	1.65%	1.50 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	733.96	1.65%	1.50 k
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	733.92	1.65%	1.50 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	494.53	1.11%	1.00 k
Bond - Punjab National Bank	CD	Public sector bank	PR1+	CARE	493.83	1.11%	1.00 k
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	492.87	1.11%	1.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	492.05	1.11%	1.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	492.03	1.11%	1.00 k
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	491.11	1.11%	1.00 k
Bond - T-Bill	T-Bills	Other			490.34	1.10%	50.00 L
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	490.33	1.10%	1.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	489.88	1.10%	1.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	F1+	FITCH	489.45	1.10%	1.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	F1+	FITCH	489.21	1.10%	1.00 k
Bond - Punjab National Bank	CD	Public sector bank	PR1+	CARE	488.84	1.10%	1.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	PR1+	CARE	488.35	1.10%	1.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	488.34	1.10%	1.00 k
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	488.27	1.10%	1.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	488.25	1.10%	1.00 k
Bond - Bahadur Chand Investments Pvt. Ltd.	CP	Investment company	PR1+	CARE	487.72	1.10%	1.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	PR1+	CARE	469.92	1.06%	1.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	391.50	0.88%	800.00
Bond - Govt of India	GOI	Other			291.72	0.66%	28.60 L
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	246.15	0.55%	500.00
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	244.62	0.55%	500.00
Bond - Govt of India	GOI	Other			205.63	0.46%	20.00 L
Bond - T-Bill	T-Bills	Other			99.10	0.22%	10.00 L
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	49.00	0.11%	100.00
Bond - T-Bill	T-Bills	Other			31.27	0.07%	3.17 L