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OnePaisa — Smart Finance for India
Franklin Templeton Mutual Fund

Franklin India Corporate Debt Fund - Direct - GROWTH

3Y returns
8%
past performance*
5Y returns
6.7%
past performance*
0.25%Expense ratio
₹1.4K CrFund size
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*Past performance does not guarantee future returns. Returns are historical and subject to market risk.

NAV₹116.24
1D—
Expense0.25%
AUM₹1.4K Cr
Min SIP₹100
Min Lumpsum₹10,000

Trailing returns (CAGR)

1W1M3M6M1Y3Y5Y10Y
+0.05%+0.73%+1.52%+2.68%+7.50%+8.00%+6.69%+7.86%

🎯 OnePaisa Verdict

7.6/ 10
Good

Breakdown

  • Returns10/10
  • Consistency6/10
  • Risk5/10
  • Cost9/10
  • Size7/10
  • Top quartile performer — ranked #1 of 6 in category
  • Very low expense ratio (0.25%) — more of your money compounds for you
  • 5★ Morningstar rating
  • Beats category average by 2.1% (1Y)

💡 Ratings are not guarantees. Past performance does not predict future results.

SIP Returns

Simulated ₹10,000/month systematic investment plan, computed from NAV history.

1 Year SIP

+6.10%

₹1.24 L value on ₹1.20 L invested

3 Year SIP

—

Not enough NAV history yet.

5 Year SIP

—

Not enough NAV history yet.

vs Category (Corporate Bond)

This fund (1Y)

+7.50%

Rank #1 of 6

Category average (1Y)

+5.44%

Quartile Q1 ★ Top 25%

Beats 83% of corporate bond funds on 1Y return.

Risk Analysis

  • Std Deviation (1Y)1.14%Low
  • Max Drawdown (1Y)-0.59%Low
  • Sharpe Ratio (1Y)0.88Average
  • Sortino Ratio (1Y)0.87Average

💡 Higher Sharpe = better risk-adjusted returns. Above 1.0 is good, above 2.0 is excellent. Drawdown is the worst peak-to-trough decline.

Calendar Year Returns

+4.56%
2025
+1.52%
2026

🚨 Things to Watch

No red flags detected

This fund scores reasonably across returns, risk, and costs. Always cross-check with your own goals before investing.

📊 SIP Calculator — Franklin India Corporate Debt Fund - Direct

Estimated corpus

₹3.57 L

Total invested
₹3.00 L
Estimated gain
₹57,087 (+19%)
▮ Invested▮ Gains

How it stacks up vs alternatives

  • Fixed Deposit (7%)₹3.60 L
  • Category average (7.6%)₹3.66 L
  • This fund (6.69%)₹3.57 L

⚠️ Projection based on past CAGR. Actual returns may vary. Markets are subject to risk; past performance is not a guarantee of future results.

▶Show Advanced Analysis

📈 Risk vs Return

Return 7.5% · Risk (std dev) 1.1%

SweetGrowthSlowAvoidLow riskHigh risk

Safe but slow

Stable but modest returns — suits capital preservation.

Sharpe ratio of 0.88 confirms fair risk-adjusted returns.

🛡️ Downside Protection

If the broader market falls 20%, this fund is expected to fall about 0.8%.

Based on 1Y max drawdown of -0.6% versus a typical market correction of ~-15%. Historical fall ratio ≈ 0.04× market. Above-average protection.

⚠️ Estimate, not a guarantee. Actual market falls vary.

💸 Expense Impact (₹10K/month for 20 years at 12% gross)

  • This fund — Direct (0.25%)₹96.59 L
  • Index fund (0.10%)₹98.57 L
  • Regular plan (~1.50%)₹81.76 L

Choosing this Direct plan over a Regular plan saves about ₹14.83 L. Index fund would still beat it by ₹1.98 L thanks to its lower expense ratio.

Fund information

Scheme category
Debt Scheme - Corporate Bond Fund
Benchmark
CRISIL Corporate Debt A-II TR INR
Inception
2013-01-01
Lock-in
None
Exit load
-
Plan
Direct
Option
Growth

Data freshness

  • NAV as of: 2026-10-22
  • Metrics calculated: 2026-10-23
  • Source: mfapi.in, AMFI India

NAV trend

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Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.

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