Franklin India Retirement Fund - 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

Returns (NAV as on 24th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	17-Nov-25	9970.60	-0.29%	-	-0.54%	17/34
1 Month	24-Oct-25	10009.10	0.09%	-	0.03%	20/34
3 Month	22-Aug-25	10123.30	1.23%	-	1.88%	27/34
6 Month	23-May-25	10208.60	2.09%	-	2.99%	22/34
YTD	01-Jan-25	10425.20	4.25%	-	5.29%	25/34
1 Year	22-Nov-24	10568.00	5.68%	5.65%	6.11%	18/34
2 Year	24-Nov-23	12302.60	23.03%	10.90%	12.45%	20/32
3 Year	24-Nov-22	13330.80	33.31%	10.05%	12.22%	20/31
5 Year	24-Nov-20	15492.90	54.93%	9.15%	11.76%	16/26
10 Year	24-Nov-15	22316.20	123.16%	8.35%	10.27%	10/12
Since Inception	31-Mar-97	221853.20	2118.53%	11.42%	11.13%	14/35

Returns Calculator

SIP Returns (NAV as on 24th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	22-Nov-24	12000	12411.02	3.43 %	6.37 %
2 Year	24-Nov-23	24000	25814.93	7.56 %	7.16 %
3 Year	24-Nov-22	36000	41552.66	15.42 %	9.52 %
5 Year	24-Nov-20	60000	75958.9	26.6 %	9.36 %
10 Year	24-Nov-15	120000	188748.29	57.29 %	8.76 %

SIP Calculator

Compare performance

Category	1 D	1 M	3 M	6 M	YTD	1 Y	2 Y	3 Y	5 Y
This Fund	-0.19%	0.09%	1.23%	2.09%	4.48%	5.65%	10.90%	10.05%	9.15%
Nifty 50	-0.42%	0.64%	4.38%	4.45%	9.79%	8.54%	14.45%	11.97%	14.73%
Benchmark: CRISIL Short Term Debt Hybrid 60+40 Index	-0.17%	0.52%	2.59%	3.77%	7.91%	8.33%	11.82%	10.79%	10.90%
Category Average	-0.21%	0.03%	1.88%	2.99%	5.29%	6.11%	12.45%	12.22%	11.76%
Category Rank	20/34	20/34	27/34	22/34	25/34	18/34	20/32	20/31	16/26
Best in Category	0.12%	1.02%	3.96%	9.79%	13.06%	13.09%	24.75%	24.09%	25.61%
Worst in Category	-0.64%	-1.80%	-2.12%	-0.65%	-1.28%	1.73%	5.81%	5.41%	3.81%

quartely results (NAV as on 24th November, 2025)

Period

This Fund

Nifty 50

CRISIL Short Term Debt Hybrid 60+40 Index

Category Average

2025

2.79%

9.34%

3.96%

Q4 - 2025	1.59%	4.52%	--	2.09%
Q3 - 2025	-1.25%	-3.64%	--	-0.84%
Q2 - 2025	5.71%	10.15%	--	5.02%
Q1 - 2025	-1.62%	-2.43%	--	-0.39%

2024

13.66%

8.75%

13.32%

Q4 - 2024	-0.54%	-8.34%	--	-3.11%
Q3 - 2024	3.89%	6.91%	--	5.77%
Q2 - 2024	5.03%	7.48%	--	7.96%
Q1 - 2024	2.90%	3.31%	--	3.58%

2023

13.74%

19.48%

17.51%

Q4 - 2023	5.62%	11.33%	--	7.28%
Q3 - 2023	3.63%	1.07%	--	4.39%
Q2 - 2023	4.97%	10.29%	--	5.84%
Q1 - 2023	-0.72%	-4.60%	--	-1.59%

2022

3.53%

3.24%

1.09%

Q4 - 2022	2.67%	7.76%	--	1.96%
Q3 - 2022	5.53%	8.52%	--	6.96%
Q2 - 2022	-4.54%	-10.70%	--	-4.20%
Q1 - 2022	-0.67%	-0.91%	--	0.30%

2021

9.2%

23.79%

13.91%

Q4 - 2021	-0.16%	-1.02%	--	0.71%
Q3 - 2021	3.65%	12.36%	--	6.87%
Q2 - 2021	3.33%	5.75%	--	5.55%
Q1 - 2021	2.20%	4.80%	--	2.98%

2020

8.41%

14.77%

10.82%

Q4 - 2020	9.00%	22.46%	--	10.76%
Q3 - 2020	1.05%	7.84%	--	4.82%
Q2 - 2020	7.61%	24.82%	--	10.76%
Q1 - 2020	-8.54%	-29.43%	--	-13.09%

2019

8.89%

11.53%

5.52%

Q4 - 2019	3.69%	7.12%	--	3.11%
Q3 - 2019	0.25%	-3.30%	--	-0.73%
Q2 - 2019	1.40%	1.68%	--	0.84%
Q1 - 2019	3.18%	6.96%	--	3.79%

2018

1.29%

4.09%

-1.34%

Q4 - 2018	1.81%	-1.32%	--	2.77%
Q3 - 2018	0.44%	3.29%	--	-1.71%
Q2 - 2018	1.04%	4.36%	--	-2.94%
Q1 - 2018	-2.18%	-2.14%	--	-3.33%

2017

13.41%

27.58%

22.23%

Q4 - 2017	3.63%	5.84%	--	5.74%
Q3 - 2017	1.03%	2.54%	--	3.71%
Q2 - 2017	3.27%	3.06%	--	4.50%
Q1 - 2017	4.89%	12.16%	--	9.20%

2016

8.02%

2.72%

8.81%

Q4 - 2016	-2.54%	-6.39%	--	-2.77%
Q3 - 2016	4.51%	3.40%	--	6.87%
Q2 - 2016	3.20%	7.45%	--	4.36%
Q1 - 2016	1.10%	-2.82%	--	-2.16%

2015

5.66%

-4.08%

4.14%

Q4 - 2015	-0.12%	-0.06%	--	1.07%
Q3 - 2015	1.70%	-5.96%	--	1.12%
Q2 - 2015	-0.31%	-2.54%	--	-0.52%
Q1 - 2015	4.26%	2.50%	--	5.29%

2014

33.05%

31.44%

33.95%

Q4 - 2014	9.32%	4.24%	--	7.09%
Q3 -	--	4.32%	--	--
Q2 - 2014	9.89%	13.25%	--	13.48%
Q1 - 2014	4.88%	6.39%	--	4.44%

Best Quarters

Period	This Fund	Nifty 50	CRISIL Short Term Debt Hybrid 60+40 Index	Category Average
Q2 - 2014	9.89%	13.25%	--	13.48%
Q4 - 2014	9.32%	4.24%	--	7.09%
Q4 - 2020	9.00%	22.46%	--	10.76%

Worst Quarters

Period	This Fund	Nifty 50	CRISIL Short Term Debt Hybrid 60+40 Index	Category Average
Q1 - 2020	-8.54%	-29.43%	--	-13.09%
Q2 - 2022	-4.54%	-10.70%	--	-4.2%
Q1 - 2020	-8.52%	-29.43%	--	-13.09%