Franklin India Retirement Fund - Growth Portfolio | Franklin Templeton Mutual Fund Portfolio

Equity Holding : 37.85% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 37.85%

No of Stocks : 49 (Category Avg - 53.59) | Large Cap Investments : 21.71%| Mid Cap Investments : 4.12% | Small Cap Investments : 2.93% | Other : 9.12%

Portfolio Summary (as on 30th Sep,2025)

Particulars	This Scheme	Category
No. of Stocks	49	57.56
Top 5 Stock Weight	12.34%	17.9%
Top 10 Stock Weight	18.85%	27.77%
Top 3 Sector Weight	13.37%	20.49%

Category - Retirement Fund

Particulars	This Scheme	Category
Average mcap (Cr)	49460.49	78714.39
Holdings in large cap stocks	21.71%	30.65%
Holdings in mid cap stocks	4.12%	8.76%
Holdings in small cap stocks	2.93%	9.59%

Category - Retirement Fund

Top 10 Stocks holding in Portfolio (as on 30th Sep,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity
HDFC Bank Ltd.	Private sector bank	209.2	4.07%	0.00%	4.27% (Jul 2025)	3.36% (Jan 2025)	2.20 L
ICICI Bank Ltd.	Private sector bank	151.7	2.95%	-0.11%	3.22% (May 2025)	2.82% (Jan 2025)	1.13 L
Larsen & Toubro Ltd.	Civil construction	99.2	1.93%	0.03%	2.01% (Dec 2024)	1.74% (Apr 2025)	27.10 k
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	90.2	1.76%	-0.01%	1.83% (Jun 2025)	1.46% (Nov 2024)	48.00 k
Infosys Ltd.	Computers - software & consulting	83.6	1.63%	-0.03%	2.08% (Dec 2024)	1.6% (Apr 2025)	58.00 k
Axis Bank Ltd.	Private sector bank	82.6	1.61%	0.12%	1.74% (May 2025)	1.21% (Jan 2025)	73.00 k
- Reliance Industries Ltd.	Refineries & marketing	81.8	1.59%	0.01%	1.71% (Jun 2025)	1.14% (Dec 2024)	60.00 k
Eternal Ltd.	E-retail/ e-commerce	65.1	1.27%	0.04%	1.27% (Sep 2025)	0.88% (Mar 2025)	2.00 L
HCL Technologies Limited	Computers - software & consulting	56.8	1.11%	-0.06%	1.35% (Jun 2025)	1.07% (Apr 2025)	41.00 k
Ultratech Cement Ltd.	Cement & cement products	47.7	0.93%	-0.03%	0.96% (Aug 2025)	0.4% (Nov 2024)	3.90 k

- indicates change in weight in the portfolio. # indicates a new entry.

View complete holding

Complete equity Portfolio (as on 30th Sep,2025)

None
Sector
M-Cap

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	8.7	209.2	4.07%	0.00%	4.27% (Jul 2025)	3.36% (Jan 2025)	2.20 L	0.00	Other	9.12
ICICI Bank Ltd.	Private sector bank	8.7	151.7	2.95%	-0.11%	3.22% (May 2025)	2.82% (Jan 2025)	1.13 L	0.00	Large Cap	21.71
Larsen & Toubro Ltd.	Civil construction	1.93	99.2	1.93%	0.03%	2.01% (Dec 2024)	1.74% (Apr 2025)	27.10 k	0.00	Large Cap	21.71
Bharti Airtel Ltd.	Telecom - cellular & fixed line services	1.76	90.2	1.76%	-0.01%	1.83% (Jun 2025)	1.46% (Nov 2024)	48.00 k	0.00	Large Cap	21.71
Infosys Ltd.	Computers - software & consulting	2.74	83.6	1.63%	-0.03%	2.08% (Dec 2024)	1.6% (Apr 2025)	58.00 k	0.00	Large Cap	21.71
Axis Bank Ltd.	Private sector bank	8.7	82.6	1.61%	0.12%	1.74% (May 2025)	1.21% (Jan 2025)	73.00 k	0.00	Large Cap	21.71
- Reliance Industries Ltd.	Refineries & marketing	1.59	81.8	1.59%	0.01%	1.71% (Jun 2025)	1.14% (Dec 2024)	60.00 k	0.00	Large Cap	21.71
Eternal Ltd.	E-retail/ e-commerce	1.27	65.1	1.27%	0.04%	1.27% (Sep 2025)	0.88% (Mar 2025)	2.00 L	0.00	Other	9.12
HCL Technologies Limited	Computers - software & consulting	2.74	56.8	1.11%	-0.06%	1.35% (Jun 2025)	1.07% (Apr 2025)	41.00 k	0.00	Large Cap	21.71
Ultratech Cement Ltd.	Cement & cement products	0.93	47.7	0.93%	-0.03%	0.96% (Aug 2025)	0.4% (Nov 2024)	3.90 k	0.00	Large Cap	21.71
State Bank Of India	Public sector bank	0.9	46.2	0.90%	0.07%	0.9% (Sep 2025)	0.74% (Feb 2025)	53.00 k	0.00	Large Cap	21.71
National Thermal Power Corporation Ltd.	Power generation	0.9	46	0.90%	0.03%	1.04% (Oct 2024)	0.79% (Feb 2025)	1.35 L	0.00	Large Cap	21.71
Apollo Hospitals Enterprises Ltd.	Hospital	0.87	44.5	0.87%	-0.02%	0.91% (Aug 2025)	0.74% (Feb 2025)	6.00 k	0.00	Mid Cap	4.12
United Spirits Ltd.	Breweries & distilleries	0.83	42.4	0.83%	0.01%	1.09% (Dec 2024)	0.81% (Sep 2025)	32.00 k	0.00	Large Cap	21.71
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	1.24	39.4	0.77%	0.11%	0.77% (Sep 2025)	0% (Oct 2024)	11.50 k	1.00 k	Large Cap	21.71
- Sun Pharmaceutical Industries Ltd.	Pharmaceuticals	1.29	38.3	0.75%	0.00%	0.84% (Dec 2024)	0.74% (Sep 2025)	24.00 k	0.00	Large Cap	21.71
PB Fintech Ltd.	Financial technology (fintech)	0.7	35.7	0.70%	-0.03%	0.94% (Dec 2024)	0.62% (Mar 2025)	21.00 k	0.00	Other	9.12
GAIL (India) Ltd.	Gas transmission/marketing	0.69	35.3	0.69%	0.01%	0.73% (Jun 2025)	0.53% (Nov 2024)	2.00 L	0.00	Large Cap	21.71
HDFC Life Insurance Company Ltd.	Life insurance	0.66	34	0.66%	0.06%	0.74% (Jun 2025)	0.56% (Jan 2025)	45.00 k	5.00 k	Large Cap	21.71
Hindustan Unilever Ltd.	Diversified fmcg	0.56	28.9	0.56%	-0.03%	0.6% (Aug 2025)	0.5% (Jun 2025)	11.50 k	0.00	Large Cap	21.71
Bharat Electronics Ltd.	Aerospace & defense	0.55	28.3	0.55%	0.05%	0.56% (Jun 2025)	0.4% (Mar 2025)	70.00 k	0.00	Mid Cap	4.12
InterGlobe Aviation Ltd.	Airline	0.54	28	0.54%	-0.01%	0.58% (Aug 2025)	0.46% (Apr 2025)	5.00 k	0.00	Large Cap	21.71
Eris Lifesciences Ltd.	Pharmaceuticals	1.29	27.6	0.54%	-0.07%	0.72% (Jun 2025)	0.54% (Sep 2025)	17.40 k	0.00	Small Cap	2.93
Metropolis Healthcare Ltd.	Healthcare service provider	0.54	27.5	0.54%	-0.04%	0.58% (Aug 2025)	0.01% (Apr 2025)	13.50 k	0.00	Other	9.12
Amber Enterprises India Ltd.	Household appliances	1.06	27.2	0.53%	0.05%	0.53% (Sep 2025)	0.37% (Dec 2024)	3.37 k	0.00	Small Cap	2.93
Crompton Greaves Consumer Electricals Ltd.	Household appliances	1.06	27.1	0.53%	-0.07%	0.79% (Nov 2024)	0.53% (Sep 2025)	93.00 k	0.00	Mid Cap	4.12
Jubilant Foodworks Ltd.	Restaurants	0.72	26.1	0.51%	-0.01%	0.75% (Nov 2024)	0.51% (Sep 2025)	42.30 k	0.00	Other	9.12
Pi Industries Ltd.	Pesticides & agrochemicals	0.5	25.7	0.50%	0.02%	0.52% (Sep 2025)	0% (Oct 2024)	7.30 k	600.00	Mid Cap	4.12
Tube Investments Of India Ltd.	Auto components & equipments	1.28	24.8	0.48%	0.02%	0.52% (Sep 2025)	0.34% (Jan 2025)	8.00 k	0.00	Small Cap	2.93
Cesc Ltd.	Integrated power utilities	0.47	24.3	0.47%	0.10%	0.48% (Sep 2025)	0% (Oct 2024)	1.50 L	25.00 k	Other	9.12
Maruti Suzuki India Ltd.	Passenger cars & utility vehicles	1.24	24	0.47%	0.04%	0.76% (Feb 2025)	0.36% (Jul 2025)	1.50 k	0.00	Large Cap	21.71
Prestige Estates Projects Ltd.	Residential, commercial projects	0.46	23.4	0.46%	-0.02%	0.51% (Jul 2025)	0.34% (Nov 2024)	15.50 k	0.00	Mid Cap	4.12
Marico Ltd.	Personal care	0.43	22.2	0.43%	-0.02%	0.45% (Jul 2025)	0.37% (Nov 2024)	31.80 k	0.00	Large Cap	21.71
Tata Steel Ltd.	Iron & steel products	0.42	21.4	0.42%	0.04%	0.42% (Sep 2025)	0.32% (Jan 2025)	1.27 L	0.00	Other	9.12
Kirloskar Oil Engines Ltd.	Compressors, pumps & diesel engines	0.41	21.1	0.41%	0.01%	0.52% (Oct 2024)	0.27% (Feb 2025)	23.00 k	0.00	Small Cap	2.93
Amara Raja Batteries Limited	Auto components & equipments	1.28	20.8	0.40%	0.00%	0.57% (Oct 2024)	0.39% (Jun 2025)	21.00 k	0.00	Mid Cap	4.12
WABCO India Ltd.	Auto components & equipments	1.28	20.4	0.40%	-0.01%	0.41% (Aug 2025)	0% (Oct 2024)	1.58 k	98.00	Mid Cap	4.12
Lemon Tree Hotels Ltd.	Hotels & resorts	0.39	20	0.39%	-0.16%	0.55% (Aug 2025)	0.39% (Oct 2024)	1.20 L	-0.50 L	Small Cap	2.93
V-Mart Retail Ltd.	Diversified retail	0.37	19.2	0.37%	0.02%	0.43% (Jun 2025)	0.32% (Apr 2025)	27.00 k	2.36 k	Small Cap	2.93
ICICI Lombard General Insurance Co Ltd.	General insurance	0.37	18.9	0.37%	0.01%	0.39% (Jun 2025)	0% (Oct 2024)	10.00 k	0.00	Large Cap	21.71
Chemplast Sanmar Ltd.	Commodity chemicals	0.34	17.5	0.34%	-0.03%	0.38% (Sep 2025)	0.3% (Apr 2025)	45.00 k	0.00	Other	9.12
PNB Housing Finance Ltd.	Housing finance company	0.34	17.3	0.34%	0.04%	0.46% (Jun 2025)	0.28% (Nov 2024)	20.00 k	0.00	Mid Cap	4.12
- Indus Towers Ltd.	Telecom - infrastructure	0.33	17.1	0.33%	0.00%	0.4% (Jun 2025)	0.22% (Nov 2024)	50.00 k	0.00	Large Cap	21.71
Pearl Global Industries Limited	Trading – textiles	0.32	16.5	0.32%	0.01%	1.09% (Jan 2025)	0.27% (Apr 2025)	12.99 k	0.00	Other	9.12
Sapphire Foods India Ltd.	Restaurants	0.72	10.9	0.21%	-0.21%	0.55% (Jan 2025)	0.21% (Sep 2025)	37.02 k	-0.29 L	Other	9.12
- Teamlease Services Ltd.	Diversified commercial services	0.21	10.7	0.21%	0.00%	0.44% (Oct 2024)	0.2% (Aug 2025)	6.00 k	0.00	Small Cap	2.93
Cholamandalam Investment & Finance Co. Ltd.	Non banking financial company (nbfc)	0.19	9.7	0.19%	0.02%	0.19% (Sep 2025)	0.14% (Feb 2025)	6.00 k	0.00	Other	9.12
Angel One Ltd.	Stockbroking & allied	0.08	4.3	0.08%	0.00%	0.11% (Jun 2025)	0% (Oct 2024)	2.00 k	0.00	Other	9.12
- IDFC First Bank Ltd.	Private sector bank	8.7	3.5	0.07%	0.00%	0.07% (Sep 2025)	0% (Oct 2024)	50.00 k	0.00	Mid Cap	4.12
Tata Motors Ltd.	Passenger cars & utility vehicles	1.24	28.8	0.00%	-0.56%	-	-	-	-	Large Cap	21.71

- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 30th Sep,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
No new entrants in the portfolio in the last month.

Stocks removed from Portfolio (in 1 month period ending 30th Sep,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
Tata Motors Ltd.	Passenger cars & utility vehicles	28.8	0.00%	-0.56%	0.82% (Oct 2024)	0.41% (Sep 2025)	0.00	-43000

Trend in stock holdings (Top 15 Holding)

Stock	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024	Oct 2024	Sep 2024
HDFC Bank Ltd.	4.07%	4.08%	4.27%	4.19%	4.10%	4.11%	3.98%	3.87%	3.69%	3.57%	3.83%	3.72%	3.44%
ICICI Bank Ltd.	2.95%	3.06%	3.20%	3.09%	3.21%	3.21%	3.09%	2.83%	2.87%	2.87%	2.90%	2.90%	2.80%
Larsen & Toubro Ltd.	1.93%	1.90%	1.89%	1.89%	1.91%	1.76%	1.87%	1.74%	1.91%	1.89%	1.95%	1.90%	1.89%
Infosys Ltd.	1.63%	1.66%	1.68%	1.77%	1.61%	1.66%	1.77%	1.78%	1.93%	1.89%	1.96%	1.86%	1.94%
Bharti Airtel Ltd.	1.76%	1.77%	1.77%	1.83%	1.71%	1.74%	1.65%	1.53%	1.54%	1.47%	1.51%	1.50%	1.73%
Axis Bank Ltd.	1.61%	1.49%	1.50%	1.56%	1.72%	1.73%	1.63%	1.55%	1.27%	1.24%	1.32%	1.35%	1.28%
Reliance Industries Ltd.	1.59%	1.59%	1.60%	1.71%	1.64%	1.45%	1.23%	1.18%	1.21%	1.14%	1.21%	1.25%	1.36%
Eternal Ltd.	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%	0.99%
HCL Technologies Limited	1.11%	1.16%	1.16%	1.35%	1.19%	1.16%	1.20%	1.22%	1.12%	1.22%	1.18%	1.13%	1.22%
United Spirits Ltd.	0.83%	0.82%	0.82%	0.87%	1.01%	1.05%	0.96%	0.90%	0.97%	1.09%	1.02%	0.97%	0.87%
National Thermal Power Corporation Ltd.	0.90%	0.86%	0.96%	0.96%	0.96%	0.91%	0.93%	0.83%	0.84%	0.85%	0.93%	1.04%	1.11%
State Bank Of India	0.90%	0.83%	0.81%	0.83%	0.83%	0.81%	0.81%	0.74%	0.81%	0.82%	0.86%	0.84%	0.79%
Apollo Hospitals Enterprises Ltd.	0.87%	0.89%	0.86%	0.83%	0.79%	0.81%	0.78%	0.74%	0.81%	0.85%	0.79%	0.82%	0.82%
Ultratech Cement Ltd.	0.93%	0.96%	0.92%	0.90%	0.84%	0.88%	0.89%	0.80%	0.79%	0.77%	0.76%	0.41%	0.43%

No of Debt Holding 15 (Category Avg - 8.55) | Modified Duration 2.72 Years (Category Avg - 5.49)| Yield to Maturity - -- (Category Avg - 6.70%)

Portfolio Summary (as on 30th Sep,2025)

Security Type	% Weight	Category Average
GOI	7.80%	23.75%
T-Bills	0.00%	0.00%
NCD & Bonds	50.99%	9.04%
PTC	0.00%	0.34%

Category - Retirement Fund

Security Type	% Weight	Category Average
Government Backed	7.80%	23.76%
Low Risk	50.99%	9.39%
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 30th Sep,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	459.27	8.94%	4.50 k
Bond - Jubilant Bevco Ltd.	NCD & Bonds	Restaurants	AA	CRISIL	314.55	6.13%	3.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	263.99	5.14%	2.50 k
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	263.04	5.12%	250.00
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	CARE AAA	CARE	259.58	5.06%	250.00
Bond - Poonawalla Fincorp Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	258.96	5.04%	2.50 k
Bond - National Bank for Financing Infrastructure and Development	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	257.95	5.02%	2.50 k
Bond - Govt of India	GOI	Other			199.31	3.88%	20.00 L
Bond - Govt of India	GOI	Other			197.25	3.84%	20.00 L
Bond - Jubilant Beverages Ltd.	NCD & Bonds	Other beverages	AA	CRISIL	186.54	3.63%	1.78 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	139.49	2.72%	2.50 k
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	111.36	2.17%	1.00 k
Bond - Kotak Mahindra Investments Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	52.12	1.01%	500.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	52.05	1.01%	5.00
Bond - Govt of India	GOI	Other			4.02	0.08%	41.60 k

Name	Type of Instrument	Weight (%)
Reverse Repo	Reverse Repo	3.10%
Net Receivables	Net Receivables	0.24%

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NITINPIMPALE
MF Investment Help
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8 days ago

purchase unit will adjust difference in NAV 10.263 View more

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  purchase unit will adjust difference in NAV 10.263
  
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krishna_ksvs
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20 days ago

View more

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The Fixed Income
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1 days ago

Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Invest in Stability with Long-Term Growth! 9.41% INDIA INFRASTRUCTURE FINANCE COMPANY LIMITED 2037 ✔️ Coupon: 9.41% ✔️ Rating: CARE AAA Stable ✔️ Tenor: 11y 9m (Maturity: 27/Jul/2037) Secured Bond | PSU Bond | High Return Bond | Listed Enjoy a secure, government-backed investment with steady returns over the long term. ???? Explore on The Fixed Income :https://www.thefixedincome.com/product/dUJHdFp3PT0=/941-india-infrastructure-finance-company-limited-2037?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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shravanashok
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71 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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  need your suggestion for sbi psu fund direct growth stay or switch
  
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ravisistla
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84 days ago

Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know. View more

Posted by : ravisistla
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  Dividend last declared by SBI Long Term Equity Fund - regular Plan -IDCW was in the year 2022. Is there any specific reason given by fund managers for non declaration of dividend. Please let me know.
  
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sunny85deol
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121 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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