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Franklin India Retirement Fund Direct-Growth
Hybrid: Balanced Hybrid - Growth (Open ended)
SEBI Riskometer: Moderately HighCategory: Hybrid: Balanced HybridBenchmark: CRISIL Short Term Debt Hybrid 60+40 IndexCheck Portfolio Overlap →
NAV: ₹234.82-0.25%
22 Oct 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for Franklin India Retirement Fund Direct-Growth.
Market Cap Distribution
Large Cap (59.5%)
Mid Cap (19.2%)
Small Cap (21.3%)
Historical Asset Allocation
| Asset | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Equity | 35.10% | 34.54% | 35.53% | 31.56% | 32.23% | 33.26% |
| Debt | 57.18% | 56.45% | 62.96% | 59.95% | 64.97% | 59.22% |
| Others (incl. cash) | 7.71% | 9.01% | 1.51% | 8.50% | 2.80% | 7.51% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
64
P/E Ratio
29.58
P/B Ratio
4.06
Top Holding %
9.37%
Top 5 Holdings %
33.82%
Top 10 Holdings %
57.01%
Modified Duration
1.73 yrs
Avg. Maturity
2.29 yrs
Yield to Maturity
7.67%
AUM
₹479 Cr
Expense Ratio
1.52%
Since Inception
9.35%
Max Drawdown
-0.14%
Sharpe Ratio
0.24
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| Axis Bank Ltd. | Financial | 67,000 | 8.21 | 1.71% | -0.05%↓ |
| State Bank of India | Financial | 80,000 | 7.68 | 1.60% | -0.12%↓ |
| ICICI Bank Ltd. | Financial | 58,000 | 7.67 | 1.60% | -0.26%↓ |
| HDFC Bank Ltd. | Financial | 1,00,000 | 7.09 | 1.48% | -0.47%↓ |
| Eternal Ltd. | Services | 2,00,000 | 6.4 | 1.34% | 0.00%↑ |
| Bharti Airtel Ltd. | Communication | 35,000 | 6.15 | 1.28% | -0.00%↓ |
| Larsen & Toubro Ltd. | Construction | 15,100 | 5.68 | 1.18% | -0.06%↓ |
| Infosys Ltd. | Technology | 56,604 | 5.63 | 1.17% | -0.13%↓ |
| Mahindra & Mahindra Ltd. | Automobile | 19,000 | 5.61 | 1.17% | -0.10%↓ |
| Bharat Electronics Ltd. | Capital Goods | 1,44,000 | 5.59 | 1.17% | -0.05%↓ |
| Kirloskar Oil Engines Ltd. | Capital Goods | 19,898 | 4.58 | 0.96% | 0.11%↑ |
| Reliance Industries Ltd. | Energy | 35,000 | 4.15 | 0.87% | -0.49%↓ |
| Ultratech Cement Ltd. | Materials | 3,400 | 3.73 | 0.78% | -0.01%↓ |
| Dixon Technologies (India) Ltd. | Capital Goods | 2,800 | 3.67 | 0.77% | 0.04%↑ |
| Cipla Ltd. | Healthcare | 27,000 | 3.63 | 0.76% | -0.01%↓ |
| Tata Power Company Ltd. | Energy | 1,00,000 | 3.59 | 0.75% | 0.04%↑ |
| Pine Labs Ltd. | Financial | 2,00,000 | 3.44 | 0.72% | 0.05%↑ |
| RBL Bank Ltd. | Financial | 85,000 | 3.43 | 0.72% | 0.06%↑ |
| Global Health Ltd. | Healthcare | 24,907 | 3.4 | 0.71% | -0.04%↓ |
| Britannia Industries Ltd. | Consumer Staples | 7,000 | 3.38 | 0.71% | -0.01%↓ |
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Sector-wise Portfolio Allocation
Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
| Sector | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Financial | 10.12% | 9.91% | 10.05% | 9.91% | 9.32% | 9.47% |
| Capital Goods | 4.13% | 3.67% | 3.30% | 2.27% | 2.24% | 2.14% |
| Healthcare | 3.30% | 3.31% | 2.65% | 1.83% | 2.04% | 1.85% |
| Automobile | 3.05% | 2.60% | 2.88% | 2.43% | 2.08% | 1.81% |
| Services | 2.72% | 3.00% | 2.59% | 1.89% | 1.86% | 2.60% |
| Energy | 2.01% | 2.79% | 3.18% | 2.87% | 3.57% | 3.90% |
| Materials | 2.01% | 1.33% | 1.37% | 0.93% | 0.96% | 0.96% |
| Construction | 1.77% | 1.80% | 1.76% | 2.38% | 2.31% | 2.26% |
| Consumer Staples | 1.39% | 1.41% | 1.86% | 1.40% | 1.78% | 1.81% |
| Communication | 1.28% | 1.29% | 1.40% | 1.31% | 1.67% | 1.71% |
| Technology | 1.17% | 1.30% | 2.41% | 2.03% | 2.32% | 2.34% |
| Consumer Discretionary | 1.02% | 1.06% | 0.97% | 0.76% | 0.42% | 0.57% |
| Metals & Mining | 0.65% | 0.64% | 0.65% | 0.64% | 0.72% | 0.72% |
| Insurance | 0.46% | 0.45% | 0.46% | 0.90% | 0.93% | 1.13% |
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| AAA | 41.19% | 14.93% |
| AA | 10.43% | 2.30% |
| Cash & Call Money | 7.64% | 14.68% |
| A1+ | 3.10% | 3.10% |
| SOV | 2.54% | 7.73% |
| Others | 0.00% | 0.00% |
| Cash | 0.00% | 0.00% |
| AA+ | - | 2.39% |
| AA- | - | 0.04% |
| B+ | - | 0.01% |
| Term Deposits | - | 0.14% |
Equity Insights
A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.
Style Analysis
Value score
53.3 / 100
Weighted average Value score is 53.3. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
54.0 / 100
Weighted average Price Momentum score is 54.0. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
68.4 / 100
Weighted average Quality score is 68.4. This indicates that portfolio has average quality using composite of quality measures.
QVM score
65.8 / 100
Weighted average QVM score is 65.8. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| National Bank For Agriculture & Rural Development | Bonds | 7.48% | 15/09/2028 | IND AAA | 9.37% |
| Jubilant Bevco Ltd. | Debenture | 0.00% | 31/05/2028 | CRISIL AA | 6.26% |
| Small Industries Devp. Bank of India Ltd. | Debenture | 7.68% | 10/08/2027 | CRISIL AAA | 5.42% |
| Bajaj Housing Finance Ltd. | Debenture | 7.90% | 28/04/2028 | CRISIL AAA | 5.37% |
| Poonawalla Fincorp Ltd. | Non Convertible Debenture | 7.70% | 21/04/2028 | CRISIL AAA | 5.35% |
| LIC Housing Finance Ltd. | Bonds | 7.90% | 23/06/2027 | CARE AAA | 5.33% |
| National Bank For Financing Infrastructure And Development | Bonds | 7.03% | 08/04/2030 | CRISIL AAA | 5.25% |
| Jubilant Beverages Ltd. | Debenture | 0.00% | 31/05/2028 | CRISIL AA | 4.17% |
| Canara Bank | Certificate of Deposit | 0.00% | 30/11/2026 | CRISIL A1+ | 3.10% |
| Bharti Telecom Ltd. | Debenture | 8.75% | 05/11/2028 | CRISIL AAA | 2.27% |
| Maharashtra State | State Development Loan | 7.66% | 04/03/2047 | SOV | 2.15% |
| REC Ltd. | Bonds | 0.00% | 03/11/2034 | CRISIL AAA | 1.76% |
| Kotak Mahindra Investments Ltd. | Debenture | 8.38% | 21/06/2027 | CRISIL AAA | 1.07% |
Frequently Asked Questions
What are the top holdings of Franklin India Retirement Fund Direct-Growth?
The top holdings of Franklin India Retirement Fund Direct-Growth as of 30 Sep 2026 are National Bank For Agriculture & Rural Development (9.37%), Others (7.40%), Jubilant Bevco Ltd. (6.26%), Small Industries Devp. Bank of India Ltd. (5.42%), Bajaj Housing Finance Ltd. (5.37%). These top 5 stocks together account for 33.82% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Franklin India Retirement Fund Direct-Growth hold in its portfolio?
Franklin India Retirement Fund Direct-Growth holds 64 stocks in its portfolio as of 30 Sep 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Franklin India Retirement Fund Direct-Growth?
As of 30 Sep 2026, Franklin India Retirement Fund Direct-Growth's top sector allocations are Financial (10.12%), Capital Goods (4.13%), Healthcare (3.30%). You can find detailed sector allocation above.
What is the equity and debt allocation of Franklin India Retirement Fund Direct-Growth?
As of 30 Sep 2026, Franklin India Retirement Fund Direct-Growth has 35.10% allocated to equity, and 57.18% to debt. You can also check the historical trends above.
What is the market cap allocation of Franklin India Retirement Fund Direct-Growth?
As of 30 Sep 2026, Franklin India Retirement Fund Direct-Growth's market cap allocation is 59.52% in large caps, 19.18% in mid caps, and 21.31% in small caps.
What is the PE ratio of Franklin India Retirement Fund Direct-Growth's portfolio?
The portfolio PE ratio of Franklin India Retirement Fund Direct-Growth is 29.58 as of 30 Sep 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.
What is the credit quality of Franklin India Retirement Fund Direct-Growth?
As of 30 Sep 2026, Franklin India Retirement Fund Direct-Growth's debt portfolio has 41.19% in AAA-rated instruments, 10.43% in AA-rated, and 2.54% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Franklin India Retirement Fund Direct-Growth?
The latest portfolio disclosure for Franklin India Retirement Fund Direct-Growth is as of 30 Sep 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.