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Franklin India Retirement Fund - Direct - Growth

  • Regular
  • Direct
Category : Retirement Fund
Equity Holding : 38.37% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 38.37%
No of Stocks : 48 (Category Avg - 53.79) | Large Cap Investments : 22.2%| Mid Cap Investments : 3.94% | Small Cap Investments : 3.15% | Other : 9.07%

Portfolio Summary (as on 31st Oct,2025)

Particulars This Scheme Category
No. of Stocks 48 57.78
Top 5 Stock Weight 12.77% 18.04%
Top 10 Stock Weight 19.36% 28.1%
Top 3 Sector Weight 13.59% 20.39%
Category - Retirement Fund
Particulars This Scheme Category
Average mcap (Cr) 51111.62 80302.08
Holdings in large cap stocks 22.2% 30.9%
Holdings in mid cap stocks 3.94% 8.92%
Holdings in small cap stocks 3.15% 9.46%
Category - Retirement Fund

Top 10 Stocks holding in Portfolio (as on 31st Oct,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
# HDFC Bank Ltd. Private sector bank 217.2 4.17% 0.00% 4.27% (Jul 2025) 3.36% (Jan 2025) 2.20 L 0.00
# ICICI Bank Ltd. Private sector bank 151.4 2.90% 0.00% 3.22% (May 2025) 2.82% (Jan 2025) 1.13 L 0.00
# Larsen & Toubro Ltd. Civil construction 109.2 2.10% 0.00% 2.01% (Dec 2024) 1.74% (Apr 2025) 27.10 k 0.00
# Bharti Airtel Ltd. Telecom - cellular & fixed line services 98.6 1.89% 0.00% 1.83% (Jun 2025) 1.46% (Nov 2024) 48.00 k 0.00
# Reliance Industries Ltd. Refineries & marketing 89.2 1.71% 0.00% 1.71% (Jun 2025) 1.14% (Dec 2024) 60.00 k 0.00
# Infosys Ltd. Computers - software & consulting 86 1.65% 0.00% 2.08% (Dec 2024) 1.6% (Apr 2025) 58.00 k 0.00
# Axis Bank Ltd. Private sector bank 81.4 1.56% 0.00% 1.74% (May 2025) 1.21% (Jan 2025) 66.00 k -7.00 k
# Eternal Ltd. E-retail/ e-commerce 63.6 1.22% 0.00% 1.27% (Sep 2025) 0.88% (Mar 2025) 2.00 L 0.00
# HCL Technologies Limited Computers - software & consulting 63.2 1.21% 0.00% 1.35% (Jun 2025) 1.07% (Apr 2025) 41.00 k 0.00
# State Bank Of India Public sector bank 49.7 0.95% 0.00% 0.9% (Sep 2025) 0.74% (Feb 2025) 53.00 k 0.00
- indicates change in weight in the portfolio. # indicates a new entry.

Complete equity Portfolio (as on 31st Oct,2025)

Help me understand this table
Stock Invested in
Sector
Sector Total
Value(Mn)
% of Total Holdings
1M Change
1Y Highest Holding
1Y Lowest Holding
Quantity
1M Change in Qty
M-Cap
GroupName
# HDFC Bank Ltd. Private sector bank 8.63 217.2 4.17% 0.00% 4.27% (Jul 2025) 3.36% (Jan 2025) 2.20 L 0.00 Other 9.07
# ICICI Bank Ltd. Private sector bank 8.63 151.4 2.90% 0.00% 3.22% (May 2025) 2.82% (Jan 2025) 1.13 L 0.00 Large Cap 22.2
# Larsen & Toubro Ltd. Civil construction 2.1 109.2 2.10% 0.00% 2.01% (Dec 2024) 1.74% (Apr 2025) 27.10 k 0.00 Large Cap 22.2
# Bharti Airtel Ltd. Telecom - cellular & fixed line services 1.89 98.6 1.89% 0.00% 1.83% (Jun 2025) 1.46% (Nov 2024) 48.00 k 0.00 Large Cap 22.2
# Reliance Industries Ltd. Refineries & marketing 1.71 89.2 1.71% 0.00% 1.71% (Jun 2025) 1.14% (Dec 2024) 60.00 k 0.00 Large Cap 22.2
# Infosys Ltd. Computers - software & consulting 2.86 86 1.65% 0.00% 2.08% (Dec 2024) 1.6% (Apr 2025) 58.00 k 0.00 Large Cap 22.2
# Axis Bank Ltd. Private sector bank 8.63 81.4 1.56% 0.00% 1.74% (May 2025) 1.21% (Jan 2025) 66.00 k -7.00 k Large Cap 22.2
# Eternal Ltd. E-retail/ e-commerce 1.22 63.6 1.22% 0.00% 1.27% (Sep 2025) 0.88% (Mar 2025) 2.00 L 0.00 Other 9.07
# HCL Technologies Limited Computers - software & consulting 2.86 63.2 1.21% 0.00% 1.35% (Jun 2025) 1.07% (Apr 2025) 41.00 k 0.00 Large Cap 22.2
# State Bank Of India Public sector bank 0.95 49.7 0.95% 0.00% 0.9% (Sep 2025) 0.74% (Feb 2025) 53.00 k 0.00 Large Cap 22.2
# Ultratech Cement Ltd. Cement & cement products 0.89 46.6 0.89% 0.00% 0.96% (Aug 2025) 0.4% (Nov 2024) 3.90 k 0.00 Large Cap 22.2
# Apollo Hospitals Enterprises Ltd. Hospital 0.88 46.1 0.88% 0.00% 0.91% (Aug 2025) 0.74% (Feb 2025) 6.00 k 0.00 Mid Cap 3.94
# National Thermal Power Corporation Ltd. Power generation 0.87 45.5 0.87% 0.00% 1.04% (Oct 2024) 0.79% (Feb 2025) 1.35 L 0.00 Large Cap 22.2
# Sun Pharmaceutical Industries Ltd. Pharmaceuticals 1.31 40.6 0.78% 0.00% 0.84% (Dec 2024) 0.74% (Sep 2025) 24.00 k 0.00 Large Cap 22.2
# Mahindra & Mahindra Ltd. Passenger cars & utility vehicles 1.24 40.1 0.77% 0.00% 0.77% (Sep 2025) 0% (Oct 2024) 11.50 k 0.00 Large Cap 22.2
# PB Fintech Ltd. Financial technology (fintech) 0.72 37.5 0.72% 0.00% 0.94% (Dec 2024) 0.62% (Mar 2025) 21.00 k 0.00 Other 9.07
# GAIL (India) Ltd. Gas transmission/marketing 0.7 36.6 0.70% 0.00% 0.73% (Jun 2025) 0.53% (Nov 2024) 2.00 L 0.00 Large Cap 22.2
# Britannia Industries Ltd. Packaged foods 0.67 35 0.67% 0.67% 0% (Nov 2025) 0% (Nov 2025) 6.00 k 6.00 k Large Cap 22.2
# HDFC Life Insurance Company Ltd. Life insurance 0.63 32.9 0.63% 0.00% 0.74% (Jun 2025) 0.56% (Jan 2025) 45.00 k 0.00 Large Cap 22.2
# Pi Industries Ltd. Pesticides & agrochemicals 0.58 30.4 0.58% 0.00% 0.52% (Sep 2025) 0% (Oct 2024) 8.50 k 1.20 k Mid Cap 3.94
# Bharat Electronics Ltd. Aerospace & defense 0.57 29.8 0.57% 0.00% 0.56% (Jun 2025) 0.4% (Mar 2025) 70.00 k 0.00 Mid Cap 3.94
# Hindustan Unilever Ltd. Diversified fmcg 0.54 28.4 0.54% 0.00% 0.6% (Aug 2025) 0.5% (Jun 2025) 11.50 k 0.00 Large Cap 22.2
# InterGlobe Aviation Ltd. Airline 0.54 28.1 0.54% 0.00% 0.58% (Aug 2025) 0.46% (Apr 2025) 5.00 k 0.00 Large Cap 22.2
# Eris Lifesciences Ltd. Pharmaceuticals 1.31 27.7 0.53% 0.00% 0.72% (Jun 2025) 0.54% (Sep 2025) 17.40 k 0.00 Small Cap 3.15
# Amber Enterprises India Ltd. Household appliances 1.02 27 0.52% 0.00% 0.53% (Sep 2025) 0.37% (Dec 2024) 3.37 k 0.00 Small Cap 3.15
# Cesc Ltd. Integrated power utilities 0.52 27 0.52% 0.00% 0.48% (Sep 2025) 0% (Oct 2024) 1.50 L 0.00 Other 9.07
# Metropolis Healthcare Ltd. Healthcare service provider 0.51 26.6 0.51% 0.00% 0.58% (Aug 2025) 0.01% (Apr 2025) 13.50 k 0.00 Other 9.07
# Crompton Greaves Consumer Electricals Ltd. Household appliances 1.02 26.3 0.50% 0.00% 0.79% (Nov 2024) 0.53% (Sep 2025) 93.00 k 0.00 Mid Cap 3.94
# Jubilant Foodworks Ltd. Restaurants 0.48 25.3 0.48% 0.00% 0.75% (Nov 2024) 0.51% (Sep 2025) 42.30 k 0.00 Other 9.07
# Maruti Suzuki India Ltd. Passenger cars & utility vehicles 1.24 24.3 0.47% 0.00% 0.76% (Feb 2025) 0.36% (Jul 2025) 1.50 k 0.00 Large Cap 22.2
# Tube Investments Of India Ltd. Auto components & equipments 1.24 24.2 0.46% 0.00% 0.52% (Sep 2025) 0.34% (Jan 2025) 8.00 k 0.00 Small Cap 3.15
# Tata Steel Ltd. Iron & steel products 0.45 23.2 0.45% 0.00% 0.42% (Sep 2025) 0.32% (Jan 2025) 1.27 L 0.00 Other 9.07
# Kirloskar Oil Engines Ltd. Compressors, pumps & diesel engines 0.44 23 0.44% 0.00% 0.52% (Oct 2024) 0.27% (Feb 2025) 23.00 k 0.00 Small Cap 3.15
# Marico Ltd. Personal care 0.44 22.9 0.44% 0.00% 0.45% (Jul 2025) 0.37% (Nov 2024) 31.80 k 0.00 Large Cap 22.2
# V-Mart Retail Ltd. Diversified retail 0.43 22.4 0.43% 0.00% 0.43% (Jun 2025) 0.32% (Apr 2025) 27.00 k 0.00 Small Cap 3.15
# United Spirits Ltd. Breweries & distilleries 0.41 21.5 0.41% 0.00% 1.09% (Dec 2024) 0.81% (Sep 2025) 15.00 k -0.17 L Large Cap 22.2
# Amara Raja Batteries Limited Auto components & equipments 1.24 21.1 0.40% 0.00% 0.57% (Oct 2024) 0.39% (Jun 2025) 21.00 k 0.00 Mid Cap 3.94
# Cholamandalam Investment & Finance Co. Ltd. Non banking financial company (nbfc) 0.39 20.4 0.39% 0.00% 0.19% (Sep 2025) 0.14% (Feb 2025) 12.00 k 6.00 k Other 9.07
# Teamlease Services Ltd. Diversified commercial services 0.39 20.2 0.39% 0.00% 0.44% (Oct 2024) 0.2% (Aug 2025) 12.00 k 6.00 k Small Cap 3.15
# ICICI Lombard General Insurance Co Ltd. General insurance 0.38 19.9 0.38% 0.00% 0.39% (Jun 2025) 0% (Oct 2024) 10.00 k 0.00 Large Cap 22.2
# Lemon Tree Hotels Ltd. Hotels & resorts 0.38 19.8 0.38% 0.00% 0.55% (Aug 2025) 0.39% (Oct 2024) 1.20 L 0.00 Small Cap 3.15
# WABCO India Ltd. Auto components & equipments 1.24 19.6 0.38% 0.00% 0.41% (Aug 2025) 0% (Oct 2024) 1.58 k 0.00 Mid Cap 3.94
# PNB Housing Finance Ltd. Housing finance company 0.36 18.6 0.36% 0.00% 0.46% (Jun 2025) 0.28% (Nov 2024) 20.00 k 0.00 Mid Cap 3.94
# Chemplast Sanmar Ltd. Commodity chemicals 0.34 18 0.34% 0.00% 0.38% (Sep 2025) 0.3% (Apr 2025) 45.00 k 0.00 Other 9.07
# Prestige Estates Projects Ltd. Residential, commercial projects 0.27 14 0.27% 0.00% 0.51% (Jul 2025) 0.34% (Nov 2024) 8.00 k -7.50 k Mid Cap 3.94
# Pearl Global Industries Limited Trading – textiles 0.17 8.8 0.17% 0.00% 1.09% (Jan 2025) 0.27% (Apr 2025) 6.70 k -6.29 k Other 9.07
# Indus Towers Ltd. Telecom - infrastructure 0.14 7.3 0.14% 0.00% 0.4% (Jun 2025) 0.22% (Nov 2024) 20.00 k -0.30 L Large Cap 22.2
# Angel One Ltd. Stockbroking & allied 0.1 5 0.10% 0.00% 0.11% (Jun 2025) 0% (Oct 2024) 2.00 k 0.00 Other 9.07
IDFC First Bank Ltd. Private sector bank 8.63 3.5 0.00% -0.07% - - - - Mid Cap 3.94
Sapphire Foods India Ltd. Restaurants 0.48 10.9 0.00% -0.21% - - - - Other 9.07
- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
# Britannia Industries Ltd. Packaged foods 35 0.67% 0.67% 0% (Nov 2025) 0% (Nov 2025) 6.00 k 6000

Stocks removed from Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in Sector Value(Mn) % of Total Holdings 1M Change 1Y Highest Holding 1Y Lowest Holding Quantity 1M Change in Qty
IDFC First Bank Ltd. Private sector bank 3.5 0.00% -0.07% 0.07% (Sep 2025) 0% (Oct 2024) 0.00 -50000
Sapphire Foods India Ltd. Restaurants 10.9 0.00% -0.21% 0.55% (Jan 2025) 0.21% (Sep 2025) 0.00 -37022

Trend in stock holdings (Top 15 Holding)

Stock Oct 2025 Sep 2025 Aug 2025 Jul 2025 Jun 2025 May 2025 Apr 2025 Mar 2025 Feb 2025 Jan 2025 Dec 2024 Nov 2024 Oct 2024
HDFC Bank Ltd. 4.17% 4.07% 4.08% 4.27% 4.19% 4.10% 4.11% 3.98% 3.87% 3.69% 3.57% 3.83% 3.72%
ICICI Bank Ltd. 2.90% 2.95% 3.06% 3.20% 3.09% 3.21% 3.21% 3.09% 2.83% 2.87% 2.87% 2.90% 2.90%
Larsen & Toubro Ltd. 2.10% 1.93% 1.90% 1.89% 1.89% 1.91% 1.76% 1.87% 1.74% 1.91% 1.89% 1.95% 1.90%
Infosys Ltd. 1.65% 1.63% 1.66% 1.68% 1.77% 1.61% 1.66% 1.77% 1.78% 1.93% 1.89% 1.96% 1.86%
Bharti Airtel Ltd. 1.89% 1.76% 1.77% 1.77% 1.83% 1.71% 1.74% 1.65% 1.53% 1.54% 1.47% 1.51% 1.50%
Axis Bank Ltd. 1.56% 1.61% 1.49% 1.50% 1.56% 1.72% 1.73% 1.63% 1.55% 1.27% 1.24% 1.32% 1.35%
Reliance Industries Ltd. 1.71% 1.59% 1.59% 1.60% 1.71% 1.64% 1.45% 1.23% 1.18% 1.21% 1.14% 1.21% 1.25%
Eternal Ltd. 1.22% 1.27% 1.22% 1.18% 1.00% 1.01% 0.99% 1.75% - - - - -
Zomato Ltd. - - - - - - - - 0.92% 0.89% 1.02% 1.03% 0.89%
HCL Technologies Limited 1.21% 1.11% 1.16% 1.16% 1.35% 1.19% 1.16% 1.20% 1.22% 1.12% 1.22% 1.18% 1.13%
National Thermal Power Corporation Ltd. 0.87% 0.90% 0.86% 0.96% 0.96% 0.96% 0.91% 0.93% 0.83% 0.84% 0.85% 0.93% 1.04%
United Spirits Ltd. 0.41% 0.83% 0.82% 0.82% 0.87% 1.01% 1.05% 0.96% 0.90% 0.97% 1.09% 1.02% 0.97%
State Bank Of India 0.95% 0.90% 0.83% 0.81% 0.83% 0.83% 0.81% 0.81% 0.74% 0.81% 0.82% 0.86% 0.84%
Ultratech Cement Ltd. 0.89% 0.93% 0.96% 0.92% 0.90% 0.84% 0.88% 0.89% 0.80% 0.79% 0.77% 0.76% 0.41%
Apollo Hospitals Enterprises Ltd. 0.88% 0.87% 0.89% 0.86% 0.83% 0.79% 0.81% 0.78% 0.74% 0.81% 0.85% 0.79% 0.82%
No of Debt Holding 15 (Category Avg - 8.48) | Modified Duration 2.72 Years (Category Avg - 5.49)| Yield to Maturity - -- (Category Avg - 6.70%)

Portfolio Summary (as on 31st Oct,2025)

Security Type % Weight Category Average
GOI 7.56% 23.21%
T-Bills 0.00% 0.01%
NCD & Bonds 50.63% 8.71%
PTC 0.00% 0.32%
Category - Retirement Fund
Security Type % Weight Category Average
Government Backed 7.56% 23.22%
Low Risk 50.63% 9.04%
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 - Retirement Fund

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

Instrument
Type
Sector
Rating
Rating Agency
Value (Mn)
% of Total Holding
Quantity
Bond - National Bank for Agriculture & Rural Development NCD & Bonds Financial institution INDAAA FITCH 462.61 8.87% 4.50 k
Bond - Jubilant Bevco Ltd. NCD & Bonds Restaurants AA CRISIL 318.56 6.11% 3.00 k
Bond - Small Industries Development Bank Of India NCD & Bonds Financial institution AAA CRISIL 265.75 5.10% 2.50 k
Bond - Bajaj Housing Finance Ltd. NCD & Bonds Housing finance company AAA CRISIL 265.16 5.09% 250.00
Bond - LIC Housing Finance Ltd. NCD & Bonds Housing finance company CARE AAA CARE 261.21 5.01% 250.00
Bond - National Bank for Financing Infrastructure and Development NCD & Bonds Non banking financial company (nbfc) AAA CRISIL 260.75 5.00% 2.50 k
Bond - Poonawalla Fincorp Ltd. NCD & Bonds Non banking financial company (nbfc) AAA CRISIL 259.57 4.98% 2.50 k
Bond - Govt of India GOI Other 199.78 3.83% 20.00 L
Bond - Govt of India GOI Other 190.50 3.65% 20.00 L
Bond - Jubilant Beverages Ltd. NCD & Bonds Other beverages AA CRISIL 188.95 3.62% 1.78 k
Bond - Rural Electrification Corporation Limited NCD & Bonds Financial institution AAA CRISIL 140.00 2.69% 2.50 k
Bond - Bharti Telecom Ltd. NCD & Bonds Telecom - equipment & accessories AAA CRISIL 112.30 2.15% 1.00 k
Bond - Kotak Mahindra Investments Ltd. NCD & Bonds Non banking financial company (nbfc) AAA CRISIL 52.47 1.01% 500.00
Bond - HDFC Bank Ltd. NCD & Bonds Private sector bank AAA CRISIL 52.32 1.00% 5.00
Bond - Govt of India GOI Other 4.08 0.08% 41.60 k
Name Type of Instrument Weight (%)
Reverse Repo Reverse Repo 3.16%
Net Receivables Net Receivables 0.28%

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