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Franklin India Banking & PSU Debt Fund - Regular Plan - Growth

  • Regular
  • Direct
Category : Banking and PSU Fund
  • NAV
    : ₹ 23.0254 0.05%
    (as on 07th November, 2025)
Crisil Rating
Relatively weak performance among peers
Risk-O-Meter
Moderate Risk

The fund has 90.78% investment in Debt, of which 8.01% in Government securities, 82.77% is in Low Risk securities.

This Scheme
VS
  • NIFTY Banking & PSU Debt Index A-II
  • NA
  • NA
  • Gold
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Returns (NAV as on 06th November, 2025)

Period Invested for ₹10000 Invested on Latest Value Absolute Returns Annualised Returns Category Avg Rank within Category
1 Week 30-Oct-25 10019.30 0.19% - 0.18% 7/22
1 Month 06-Oct-25 10060.10 0.60% - 0.56% 7/22
3 Month 06-Aug-25 10165.20 1.65% - 1.39% 1/22
6 Month 06-May-25 10347.40 3.47% - 2.98% 1/22
YTD 01-Jan-25 10700.20 7.00% - 6.83% 4/22
1 Year 06-Nov-24 10811.30 8.11% 8.11% 7.83% 1/22
2 Year 06-Nov-23 11652.80 16.53% 7.94% 7.89% 11/21
3 Year 04-Nov-22 12468.40 24.68% 7.61% 7.48% 5/21
5 Year 06-Nov-20 13287.00 32.87% 5.85% 5.81% 9/19
10 Year 06-Nov-15 20069.80 100.70% 7.21% 7.11% 9/17
Since Inception 25-Apr-14 23013.60 130.14% 7.49% 7.20% 9/21

SIP Returns (NAV as on 06th November, 2025)

Period Invested for ₹1000 SIP Started on Investments Latest Value Absolute Returns Annualised Returns
1 Year 06-Nov-24 12000 12500.62 4.17 % 7.78 %
2 Year 06-Nov-23 24000 26023.62 8.43 % 7.97 %
3 Year 04-Nov-22 36000 40499.18 12.5 % 7.78 %
5 Year 06-Nov-20 60000 71367.17 18.95 % 6.86 %
10 Year 06-Nov-15 120000 171497.5 42.91 % 6.94 %
 

Tax Treatment

Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 30th Sep,2025)

No of Debt Holding 27 (Category Avg - 60.33) | Modified Duration 2.17 Years (Category Avg - 3.00)| Yield to Maturity 6.78% (Category Avg - 6.69%)

Type of Holdings

Security Type
% Weight
Category Average
GOI 8.01% 14.64%
CD 13.79% 5.61%
T-Bills 0.00% 0.03%
CP 0.00% 0.16%
NCD & Bonds 68.98% 72.32%
PTC 0.00% 0.99%

Investment / Portfolio Grades

Security Type
% Weight
Category Average
Government Backed 8.01% 14.67%
Low Risk 82.77% 79.08%
Moderate Risk 0.00% 0.00%
High Risk 0.00% 0.00%
Very High Risk 0.00% 0.00%
Others 0.00% 0.00%
Name Type of Instrument Weight (%)
Reverse Repo Reverse Repo 7.17%
Net Receivables Net Receivables 2.03%
Margin Margin 0.02%

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

  • Standard Deviation

    Low volatility
    0.89vs0.91
    Category Avg
  • Beta

    Low volatility
    0.94vs1.08
    Category Avg
  • Sharpe Ratio

    Better risk adjusted returns
    1.82vs1.67
    Category Avg
  • Treynor's Ratio

    Better risk adjusted returns
    0.02vs0.01
    Category Avg
  • Jensen's Alpha

    Better risk adjusted returns
    0.23vs-0.12
    Category Avg

Alternative Funds (Category Peers)

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Sundaram Banking & PSU Fund - INSTITUTIONAL - Growth 5 400.20 0.52 1.49 3.03 8.06 7.67
HSBC Banking and PSU Debt Fund - Growth 3 4425.66 0.55 1.43 3.24 8.05 7.35
UTI Banking & PSU Fund - Growth 4 816.02 0.43 1.42 3.37 8.05 7.58
Axis Banking & PSU Debt Fund - Growth 4 13055.74 0.55 1.40 3.12 8.04 7.38
Bajaj Finserv Banking and PSU Fund - Regular Plan - Growth NA 292.77 0.61 1.28 2.99 8.01 0.00
SBI Banking and PSU Fund - Regular Plan - Growth 1 4073.05 0.54 1.46 3.02 8.01 7.48
LIC MF Banking & PSU Fund - Growth 3 1909.36 0.54 1.32 2.94 8.00 7.47
Nippon India Banking and PSU Fund - Regular Plan - Growth 3 5483.15 0.57 1.30 2.86 7.99 7.60
HDFC Banking & PSU Debt Fund - Regular Plan - Growth 2 5859.53 0.63 1.41 3.01 7.98 7.57
Kotak Banking and PSU Debt Fund - Growth 2 5800.08 0.58 1.44 2.98 7.96 7.61

More Funds from Franklin Templeton Mutual Fund

Out of 40 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 14 is/are ranked 3 * , 3 is/are ranked 2 * , 5 is/are ranked 1 * , and 17 schemes are not ranked. See more about AMC

Scheme Name
Crisil Rank
Asset Size (Cr)
1M
3M
6M
1Y
3Y
Franklin India Flexi Cap Fund - Growth 3 18912.06 2.31 3.73 5.76 2.92 18.04
Franklin India Small Cap Fund - Growth 3 13265.80 0.18 1.74 12.38 -5.36 21.73
Franklin India Small Cap Fund - Growth 3 13265.80 1.34 1.29 8.53 -6.32 20.98
Franklin India Focused Equity Fund - Growth 3 12302.98 0.78 2.74 5.85 2.97 15.59
Franklin India Mid Cap Fund - Growth 3 12212.71 2.33 3.21 9.10 1.25 21.49
Franklin India Opportunities Fund - Growth 3 7766.16 1.86 5.37 11.23 4.39 29.92
Franklin India Large Cap Fund - Growth 3 7668.77 1.65 3.88 6.18 4.27 14.74
Franklin India Large Cap Fund - Growth 3 7668.77 1.61 3.97 5.30 2.96 12.48
Franklin India ELSS Tax Saver Fund - Growth 3 6531.42 1.38 2.74 4.58 1.31 17.78
Franklin India Multi Cap Fund - Regular Plan - Growth NA 4968.91 1.90 6.01 10.62 4.23 0.00

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