ℹ️ All transactions suspended temporarily
Franklin India Retirement Fund Direct-Growth
Hybrid: Balanced Hybrid - Growth (Open ended) Factsheet
SEBI Riskometer: Moderately HighCategory: Hybrid: Balanced HybridBenchmark: CRISIL Short Term Debt Hybrid 60+40 Index
NAV: ₹240.39-0.88%
08 Jul 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 (77.7%)
Mid Cap (8.5%)
Small Cap (13.8%)
Historical Asset Allocation
| Asset | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Equity | 31.56% | 32.23% | 33.26% | 32.45% | 36.67% | 37.78% |
| Debt | 59.95% | 64.97% | 59.22% | 64.66% | 59.96% | 59.90% |
| Others (incl. cash) | 8.50% | 2.80% | 7.51% | 2.89% | 3.37% | 2.31% |
| 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
55
P/E Ratio
22.96
P/B Ratio
3.32
Top Holding %
9.66%
Top 5 Holdings %
36.35%
Top 10 Holdings %
60.74%
Modified Duration
1.93 yrs
Avg. Maturity
2.51 yrs
Yield to Maturity
8.00%
AUM
₹496 Cr
Expense Ratio
1.48%
Since Inception
9.75%
Max Drawdown
-0.14%
Sharpe Ratio
0.50
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 |
|---|---|---|---|---|---|
| HDFC Bank Ltd. | Financial | 1,80,000 | 14.36 | 2.90% | 0.17%↑ |
| ICICI Bank Ltd. | Financial | 82,000 | 11.28 | 2.27% | 0.18%↑ |
| State Bank of India | Financial | 1,00,000 | 10.27 | 2.07% | 0.11%↑ |
| Axis Bank Ltd. | Financial | 67,000 | 9.02 | 1.82% | 0.07%↑ |
| Larsen & Toubro Ltd. | Construction | 20,500 | 8.49 | 1.71% | 0.02%↑ |
| Reliance Industries Ltd. | Energy | 60,000 | 7.76 | 1.57% | -0.31%↓ |
| Bharti Airtel Ltd. | Communication | 35,000 | 6.48 | 1.31% | -0.36%↓ |
| Mahindra & Mahindra Ltd. | Automobile | 19,000 | 5.83 | 1.18% | 0.31%↑ |
| Infosys Ltd. | Technology | 56,604 | 5.66 | 1.14% | -0.19%↓ |
| Eternal Ltd. | Services | 2,00,000 | 5.29 | 1.07% | 0.05%↑ |
| Kirloskar Oil Engines Ltd. | Capital Goods | 21,000 | 4.96 | 1.00% | 0.10%↑ |
| Ultratech Cement Ltd. | Materials | 4,100 | 4.61 | 0.93% | -0.03%↓ |
| HCL Technologies Ltd. | Technology | 41,000 | 4.39 | 0.89% | -0.10%↓ |
| Cipla Ltd. | Healthcare | 27,000 | 3.96 | 0.80% | - |
| NTPC Ltd. | Energy | 1,05,000 | 3.74 | 0.76% | -0.35%↓ |
| Marico Ltd. | Consumer Staples | 42,000 | 3.51 | 0.71% | 0.01%↑ |
| Britannia Industries Ltd. | Consumer Staples | 6,700 | 3.45 | 0.70% | -0.01%↓ |
| The Phoenix Mills Ltd. | Construction | 17,000 | 3.31 | 0.67% | 0.06%↑ |
| Tata Steel Ltd. | Metals & Mining | 1,70,000 | 3.2 | 0.64% | -0.07%↓ |
| Metropolis Healthcare Ltd. | Healthcare | 54,000 | 2.92 | 0.59% | -0.02%↓ |
1 / 2
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 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 | 28 Feb 2026 | 31 Jan 2026 |
|---|---|---|---|---|---|---|
| Financial | 9.91% | 9.32% | 9.47% | 8.99% | 10.90% | 10.66% |
| Energy | 2.87% | 3.57% | 3.90% | 3.63% | 3.59% | 3.61% |
| Automobile | 2.43% | 2.08% | 1.81% | 1.71% | 1.95% | 2.05% |
| Construction | 2.38% | 2.31% | 2.26% | 2.01% | 2.84% | 2.65% |
| Capital Goods | 2.27% | 2.24% | 2.14% | 1.81% | 1.92% | 1.95% |
| Technology | 2.03% | 2.32% | 2.34% | 2.60% | 2.57% | 3.19% |
| Services | 1.89% | 1.86% | 2.60% | 2.47% | 3.34% | 3.59% |
| Healthcare | 1.83% | 2.04% | 1.85% | 2.54% | 2.53% | 2.49% |
| Consumer Staples | 1.40% | 1.78% | 1.81% | 1.75% | 1.84% | 1.97% |
| Communication | 1.31% | 1.67% | 1.71% | 1.65% | 1.66% | 1.86% |
| Materials | 0.93% | 0.96% | 0.96% | 0.91% | 1.02% | 1.02% |
| Insurance | 0.90% | 0.93% | 1.13% | 1.17% | 1.17% | 1.22% |
| Consumer Discretionary | 0.76% | 0.42% | 0.57% | 0.54% | 0.63% | 0.52% |
| Metals & Mining | 0.64% | 0.72% | 0.72% | 0.67% | 0.71% | 0.64% |
| Chemicals | - | - | - | - | - | 0.38% |
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 | 40.13% | 19.50% |
| AA | 9.96% | 1.84% |
| SOV | 9.86% | 16.59% |
| Cash & Call Money | 8.50% | 6.64% |
| Others | 0.00% | 0.00% |
| A1+ | - | 1.27% |
| AA+ | - | 2.36% |
| Term Deposits | - | 0.48% |
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
50.1 / 100
Weighted average Value score is 50.1. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
59.3 / 100
Weighted average Price Momentum score is 59.3. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
72.8 / 100
Weighted average Quality score is 72.8. This indicates that portfolio has average quality using composite of quality measures.
QVM score
68.9 / 100
Weighted average QVM score is 68.9. 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 | 9.66% |
| GOI | GOI Securities | 6.94% | 11/05/2036 | SOV | 7.11% |
| Jubilant Bevco Ltd. | Debenture | 0.00% | 31/05/2028 | CRISIL AA | 5.98% |
| Small Industries Devp. Bank of India Ltd. | Debenture | 7.68% | 10/08/2027 | CRISIL AAA | 5.17% |
| Bajaj Housing Finance Ltd. | Debenture | 7.90% | 28/04/2028 | CRISIL AAA | 5.14% |
| Poonawalla Fincorp Ltd. | Non Convertible Debenture | 7.70% | 21/04/2028 | CRISIL AAA | 5.10% |
| National Bank For Financing Infrastructure And Development | Bonds | 7.03% | 08/04/2030 | CRISIL AAA | 5.09% |
| LIC Housing Finance Ltd. | Bonds | 7.90% | 23/06/2027 | CARE AAA | 5.07% |
| Jubilant Beverages Ltd. | Debenture | 0.00% | 31/05/2028 | CRISIL AA | 3.99% |
| Maharashtra State | State Development Loan | 7.66% | 04/03/2047 | SOV | 2.18% |
| Bharti Telecom Ltd. | Debenture | 8.75% | 05/11/2028 | CRISIL AAA | 2.17% |
| REC Ltd. | Bonds | 0.00% | 03/11/2034 | CRISIL AAA | 1.72% |
| Kotak Mahindra Investments Ltd. | Debenture | 8.38% | 21/06/2027 | CRISIL AAA | 1.02% |
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 sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.
How many stocks does Franklin India Retirement Fund Direct-Growth hold in its portfolio?
Franklin India Retirement Fund Direct-Growth holds 55 securities in its portfolio. The top 5 holdings account for 36.35% of the portfolio and the top 10 for 60.74%.
What is the sector allocation of Franklin India Retirement Fund Direct-Growth?
The sector allocation of Franklin India Retirement Fund Direct-Growth is in the Sector Allocation section, showing each industry's weight in the portfolio.
What is the equity and debt allocation of Franklin India Retirement Fund Direct-Growth?
As of 30 Jun 2026, Franklin India Retirement Fund Direct-Growth has 31.56% in equity, 59.95% in debt and 8.50% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 8.00%.
What is the market cap allocation of Franklin India Retirement Fund Direct-Growth?
Franklin India Retirement Fund Direct-Growth's equity portfolio — Large Cap: 77.69%, Mid Cap: 8.49%, Small Cap: 13.81%. Market cap allocation determines the fund's risk profile — large cap offers stability while mid and small cap offer higher growth potential with higher volatility.
Is Franklin India Retirement Fund Direct-Growth a concentrated or diversified fund?
Franklin India Retirement Fund Direct-Growth holds 55 securities, with the top 10 accounting for 60.74% of the portfolio and the top 5 for 36.35%. This is a moderately diversified fund balancing conviction positions with risk spread.
What is the credit quality of Franklin India Retirement Fund Direct-Growth?
The debt holdings of Franklin India Retirement Fund Direct-Growth are rated as follows — AAA: 40.13%, AA: 9.96%, SOV: 9.86%, Cash & Call Money: 8.50%, and others. Higher allocation to AAA and sovereign instruments means lower credit risk. The full rating profile compared to the category average is in the Credit Rating section.
How often does Franklin India Retirement Fund Direct-Growth change its portfolio?
The portfolio currently holds 55 securities with the top 10 accounting for 60.74% as of 30 Jun 2026. Portfolio turnover reflects how actively the fund manager trades. A high turnover increases transaction costs while a low turnover reflects a buy-and-hold approach. Historical asset allocation snapshots across multiple dates are in the Holdings Analysis section.
What is the PE ratio of Franklin India Retirement Fund Direct-Growth's portfolio?
The weighted average PE ratio of Franklin India Retirement Fund Direct-Growth's portfolio is 22.96 and the PB ratio is 3.32. The debt portfolio has a modified duration of 1.93 years and an average maturity of 2.51 years. These metrics reflect the overall valuation and interest rate sensitivity 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 Jun 2026. Mutual funds and ETFs in India are required to disclose their full portfolio monthly, within 10 business days of month-end. You can switch between historical disclosure dates using the date selector in the Top Portfolio Holdings section.