Franklin Templeton Mutual Fund
Franklin India Ultra Short Bond Fund - Super Institutional Plan - Direct
7.8Q1★
- NAV
- ₹34.24
- Expense
- 0.28%
- AUM
- ₹283 Cr
- 1Y
- +10.8%
- 3Y
- +7.9%
- 5Y
- +8.2%
#1 of 4
Min SIP: ₹500Ideal: 1-6 months
HDFC Mutual Fund
HDFC Ultra Short Term Fund - Direct Plan-Growth Option
3Y returns
7.3%
past performance*
5Y returns
6.3%
past performance*
—Expense ratio
₹17.2K CrFund size
A licensed partner advisor will guide you — free, no PAN or bank details needed now.
*Past performance does not guarantee future returns. Returns are historical and subject to market risk.
NAV₹16.77
1D—
Expense—
AUM₹17.2K Cr
Min SIP₹500
Min Lumpsum₹5,000
Trailing returns (CAGR)
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| +0.06% | +0.78% | +1.71% | +3.02% | +6.50% | +7.30% | +6.34% | — |
🎯 OnePaisa Verdict
5.3/ 10
Below AverageBreakdown
- Returns5/10
- Consistency6/10
- Risk3/10
- Cost5/10
- Size9/10
- Large, well-established fund (₹17K Cr AUM)
💡 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
+6.61%
₹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 (Ultra Short Duration)
This fund (1Y)
+6.50%
Rank #3 of 4
Category average (1Y)
+7.61%
Quartile Q3
Beats 25% of ultra short duration funds on 1Y return.
Risk Analysis
- Std Deviation (1Y)0.42%Low
- Max Drawdown (1Y)-0.07%Low
- Sharpe Ratio (1Y)0.00Poor
- Sortino Ratio (1Y)0.00Poor
💡 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
+4.47%
2025
+1.86%
2026
🎯 Is This Fund Right For You?
- Ideal horizon
- 1-6 months
- Minimum: 1 month
- Risk profile
- Low to Moderate
- SIP recommended
- ➖ Lump sum preferred
- Lump sum
Duration of 3-6 months. Slightly more return than liquid with marginally more risk.
Suitable goals
- Short-term goals (1-6 months)
- Better returns than liquid fund
Suitable for
- Those with 1-6 month horizon
- Conservative investors parking surplus
Not suitable for
- Those needing daily liquidity (use liquid)
- Long-term goals
🧾 Taxation
This is an Debt Fund.
- Short-term (Less than 2 years (listed) / 3 years (unlisted))
- As per income tax slab
- Long-term (2 years or more (listed))
- 12.5%
- LTCG exemption
- No exemption
- TDS
- No TDS for resident Indians on redemption
💡 Worked example
Invest ₹1,00,000 and gain ₹25,000 over 2 years:
- Tax type: LTCG (12.5% LTCG)
- Taxable gain: ₹25,000
- Tax owed: ₹3,125
- You keep: ₹1,21,875
Post-Budget 2025: listed debt funds held over 2 years qualify for 12.5% LTCG (no indexation). Unlisted debt funds need 3 years.
🚨 Things to Watch
Poor risk-adjusted returns
Sharpe ratio of 0.00 means you’re not being adequately compensated for the risk taken.
📊 SIP Calculator — HDFC Ultra Short Term Fund-Growth Option
Estimated corpus
₹3.54 L
- Total invested
- ₹3.00 L
- Estimated gain
- ₹53,775 (+18%)
▮ Invested▮ Gains
How it stacks up vs alternatives
- Fixed Deposit (7%)₹3.60 L
- Category average (7.4%)₹3.64 L
- This fund (6.34%)₹3.54 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 6.5% · Risk (std dev) 0.4%
SweetGrowthSlowAvoidLow riskHigh risk
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of 0.00 confirms poor risk-adjusted returns.
🛡️ Downside Protection
If the broader market falls 20%, this fund is expected to fall about 0.1%.
Based on 1Y max drawdown of -0.1% versus a typical market correction of ~-15%. Historical fall ratio ≈ 0.00× market. Above-average protection.
⚠️ Estimate, not a guarantee. Actual market falls vary.
Fund information
- Scheme category
- Debt Scheme - Ultra Short Duration Fund
- Lock-in
- None
- Plan
- Direct
- Option
- Growth
Data freshness
- NAV as of: 2026-10-22
- Metrics calculated: 2026-10-23
- Source: mfapi.in, AMFI India
NAV trend
See how a SIP grows in this fund
Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.
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