Franklin Templeton Mutual Fund
Franklin Asian Equity Fund - Direct
7.3Q1★4
- NAV
- ₹45.12
- Expense
- 1.54%
- AUM
- ₹427 Cr
- 1Y
- +47.3%
- 3Y
- +18.8%
- 5Y
- +5.1%
#1 of 25
Min SIP: ₹100Ideal: 5-7 yearsVery High Risk
Nippon India Mutual Fund
Nippon India Banking & Financial Services Fund - Direct Plan Growth Plan - Growth Option
3Y returns
17.6%
past performance*
5Y returns
18.8%
past performance*
0.95%Expense ratio
₹7.9K 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₹662.17
1D—
Expense0.95%
AUM₹7.9K Cr
Min SIP₹500
Min Lumpsum₹5,000
Trailing returns (CAGR)
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| -1.25% | +5.77% | -1.45% | -2.15% | +3.41% | +17.55% | +18.75% | +15.14% |
🎯 OnePaisa Verdict
4.8/ 10
Below AverageBreakdown
- Returns5/10
- Consistency6/10
- Risk1/10
- Cost5/10
- Size8/10
- 4★ Morningstar rating
💡 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
+1.49%
₹1.21 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 (Sectoral / Thematic)
This fund (1Y)
+3.41%
Rank #15 of 25
Category average (1Y)
+6.14%
Quartile Q3
Beats 40% of sectoral / thematic funds on 1Y return.
Risk Analysis
- Std Deviation (1Y)15.65%Moderate
- Max Drawdown (1Y)-16.67%High
- Sharpe Ratio (1Y)-0.20Poor
- Sortino Ratio (1Y)-0.19Poor
💡 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
+8.12%
2025
-4.15%
2026
💰 What This Fund Costs You
Expense ratio: 0.95%
That is ₹950 per year on every ₹1 lakh invested.
10-year impact on ₹1 lakh (assuming 12% gross return)
Without this expense, ₹1 lakh would have grown to ₹3.11 L.
💡 Index funds typically charge 0.10-0.20%. Compare with index funds →
🎯 Is This Fund Right For You?
- Ideal horizon
- 5-7 years
- Minimum: 3 years
- Risk profile
- Very High
- SIP recommended
- ➖ Lump sum preferred
- Lump sum on sector dips preferred
Concentrated in one sector (IT, Pharma, Banking…). Sector cycles can cause extended underperformance.
Suitable goals
- Tactical sector bets
- Satellite portfolio allocation
Suitable for
- Experienced investors with sector conviction
- Those who understand industry cycles
Not suitable for
- New investors
- Core portfolio allocation
- Those who cannot monitor sector trends
🧾 Taxation
This is an Equity Fund.
- Short-term (Less than 1 year)
- 20%
- Long-term (1 year or more)
- 12.5%
- LTCG exemption
- ₹1.25 lakh per financial year
- TDS
- No TDS for resident Indians
💡 Worked example
Invest ₹1,00,000 and gain ₹25,000 over 2 years:
- Tax type: LTCG (12.5% LTCG)
- Taxable gain: ₹0
- Tax owed: ₹0 (within exemption)
- You keep: ₹1,25,000
Applies to all equity funds — large cap, mid cap, small cap, flexi cap, ELSS, index, sectoral — and equity-oriented hybrids with >65% equity.
🚨 Things to Watch
Below category average
Returns of 3.4% trail the category average of 6.1% by 2.7%.
Poor risk-adjusted returns
Sharpe ratio of -0.20 means you’re not being adequately compensated for the risk taken.
📊 SIP Calculator — Nippon India Banking & Financial Services Fund Growth Plan Option
Estimated corpus
₹4.99 L
- Total invested
- ₹3.00 L
- Estimated gain
- ₹1.99 L (+66%)
▮ Invested▮ Gains
How it stacks up vs alternatives
- Fixed Deposit (7%)₹3.60 L
- Category average (20.2%)₹5.20 L
- This fund (18.75%)₹4.99 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 3.4% · Risk (std dev) 15.7%
SweetGrowthSlowAvoidLow riskHigh risk
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of -0.20 confirms poor risk-adjusted returns.
🛡️ Downside Protection
If the broader market falls 20%, this fund is expected to fall about 22.2%.
Based on 1Y max drawdown of -16.7% versus a typical market correction of ~-15%. Historical fall ratio ≈ 1.11× market. Below-average protection.
⚠️ Estimate, not a guarantee. Actual market falls vary.
💸 Expense Impact (₹10K/month for 20 years at 12% gross)
- This fund — Direct (0.95%)₹87.94 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 ₹6.18 L. Index fund would still beat it by ₹10.63 L thanks to its lower expense ratio.
Fund information
- Scheme category
- Equity Scheme - Sectoral/ Thematic
- Benchmark
- Nifty Financial Services TR INR
- Inception
- 2013-01-01
- 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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