Can I invest in SIP and Lumpsum in Franklin India Pension Plan - (IDCW) Direct Growth?

Yes, you can invest both lumpsum and SIP in Franklin India Pension Plan - (IDCW). Minimum lumpsum investment Franklin India Pension Plan - (IDCW) is ₹500 and minimum SIP amount is ₹500 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

What is the NAV of Franklin India Pension Plan - (IDCW) Direct Growth?

The latest NAV (Net Asset Value) of Franklin India Pension Plan - (IDCW) is Franklin India Pension Plan - (IDCW) is ₹17.26 as on 2025-01-16.

Which are the biggest stock holdings of Franklin India Pension Plan - (IDCW)?

The 5 biggest stock holdings of Franklin India Pension Plan - (IDCW) are: HDFC Bank (3.57%), ICICI Bank (2.87%), Larsen & Toubro (1.89%), Infosys (1.89%), Bharti Airtel (1.47%)

What are the top sectors Franklin India Pension Plan - (IDCW) invests in?

A majority of Franklin India Pension Plan - (IDCW) 's AUM worth ₹516.76 (Cr) is invested in these 3 top sectors: Debt : 59.71% Banks : 9.37% IT-Software : 3.93%

Mutual Funds
Franklin India Pension Plan - (IDCW)

Franklin India Pension Plan - (IDCW)

Retirement Fund

Invest Now

NAV
17.26(0.31%)
Fund Size (CR)
₹516.76
Expense Ratio
2.26
Scheme Type
Active Fund
Value Research

Min. investment
₹500
Minimum Additional Investment
₹500
Minimum SIP Investment
₹500
Minimum Withdrawal
₹1,000
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
3%
Return Since Launch
11.38%

Absolute Return: -9.40%

Annualized Return: 0%

Basic Details

Scheme Manager

Rajasa Kakulavarapu

Bench Mark

40% Nifty 500+60% Crisil Composite Bond Fund Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	8 January 2025	9882.95	-1.17%	-	-1.96%	37/106
1 Month	13 December 2024	9752.86	-2.47%	-	-4.75%	33/106
3 Month	15 October 2024	9826.53	-1.73%	-	-4.71%	31/106
6 Month	15 July 2024	10074.91	0.75%	-	-1.55%	35/106
1 Year	15 January 2024	10984.66	9.85%	9.85%	10.62%	48/98
3 Year	14 January 2022	12848.47	28.48%	8.71%	10.23%	56/90
5 Year	15 January 2020	15403.54	54.04%	9.02%	12.04%	50/74
Since Inception	31 March 1997	200378.40	1903.78%	11.38%	11.97%	53/106

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 February 2024	1,20,000	1327795.04	1006.50%	1006.50%
3 Year	1 February 2022	3,60,000	4230011.49	1075.00%	127.34%
5 Year	3 February 2020	6,00,000	7074317.35	1079.05%	63.80%
10 Year	2 February 2015	12,00,000	13839850.24	1053.32%	27.70%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

1.58%

Standard Deviation

0.41%

Beta

0.55%

Sharpe Ratio

0.12%

Treynor's Ratio

0.85%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HDFC Bank	3.57%	104000	18.44	Equity	Banks
ICICI Bank	2.87%	115800	14.84	Equity	Banks
Larsen & Toubro	1.89%	27100	9.78	Equity	Infrastructure Developers & Operators
Infosys	1.89%	52000	9.78	Equity	IT - Software
Bharti Airtel	1.47%	48000	7.62	Equity	Telecomm-Service
Axis Bank	1.24%	60000	6.39	Equity	Banks
HCL Technologies	1.22%	33000	6.33	Equity	IT - Software
Reliance Industr	1.14%	48600	5.91	Equity	Refineries
United Spirits	1.09%	34500	5.61	Equity	Alcoholic Beverages
Zomato Ltd	1.02%	190000	5.28	Equity	E-Commerce/App based Aggregator

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
AXIS Retirement Fund - DP - Direct (G)	375.26	-6.05%	-5.97%	0.29%	19.24%	11.20%
AXIS Retirement Fund - DP - Direct (IDCW)	375.26	-6.07%	-5.94%	0.29%	19.22%	11.11%
Tata Retirement Savings Fund - Progressiv-Dir (G)	2121.63	-6.41%	-5.75%	-2.40%	16.91%	13.58%
ICICI Pru Retirement Fund - Pure Equity - Dir (G)	1063.22	-8.94%	-9.21%	-5.34%	16.84%	18.79%
ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW)	1063.22	-8.95%	-9.21%	-5.34%	16.80%	18.77%

News

Franklin Templeton Mutual Fund announces change in Exit Load Structure

Franklin Templeton Mutual Fund has announced change in exit load structure under following scheme stands revised with effect from 06 January 2025

Change in Exit Load:

Name of the Scheme	Existing Provisions	Revised Provisions
Franklin India Arbitrage Fund	0.25% if redeemed / switched out within 30 days from the date of allotment and Nil thereafter	In respect of each purchase of Units ' ' NIL Exit load ' for 10% of the units purchased or switched on or before 30 days from the date of allotment. o The 'First In First Out (FIFO)' logic will be applied while selecting the units for redemption o Waiver of Exit load is calculated for each inflow transaction separately on FIFO basis and not on the total units through multiple inflows o The load free units from purchases made subsequent to the initial purchase will be available only after redeeming all units from the initial purchase ' All units redeemed /switched-out in excess of the 10% load free units will be subject to the below mentioned exit load. o 0.25% - if Units are redeemed/switched-out on or before 30 days from the date of allotment o Nil - if redeemed after 30 days from the date of allotment

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Franklin Templeton MF announces change in Fund Manager of the following scheme

Franklin Templeton Mutual Fund has announced change in Fund Managers of the following scheme with effect from: 03 December 2024

Change in Fund Managers of the Scheme:

Scheme Name	Existing Fund Manager(s)	New Fund Manager(s)
Franklin India Arbitrage Fund	' Yogik Pitti ' Rajasa Kakulavarpu ' Pallab Roy	' Yogik Pitti ' Rajasa Kakulavarpu ' Pallab Roy ' Rohan Maru

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Franklin Templeton MF Announces Income Distribution cum Capital Withdrawal (IDCW) under two schemes
Franklin Templeton Mutual Fund has announced 31 October 2024 as the record date for declaration of Income Distribution cum Capital Withdrawal (IDCW) under the following schemes. The amount of IDCW (Rs per unit) on the face value of Rs 10 per unit will be:
Franklin India Technology Fund ' IDCW Plan: 4.650
Franklin India Technology Fund ' Direct IDCW Plan: 5.250
Franklin India Opportunities Fund ' IDCW Plan: 3.500
Franklin India Opportunities Fund ' Direct IDCW Plan: 4.000
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Fund House Details & Investment Objective

Date of Incorporation

3 March 1997

Total AUM (Cr)

₹516.76

Franklin India Pension Plan - (IDCW) is an Retirement Fund-oriented fund from the renowned AMC, Franklin Templeton Mutual Fund. Launched in 3 March 1997, this fund is managed by Rajasa Kakulavarapu. With assets under management (AUM) worth ₹516.76 (Cr), as of 16 January 2025, Franklin India Pension Plan - (IDCW) is categorized as a Retirement Fund within its segment. The fund has generated a return of 11.38% since its launch.
The current NAV of Franklin India Pension Plan - (IDCW) is ₹17.26, as on 16 January 2025. The fund's benchmark index is 40% Nifty 500+60% Crisil Composite Bond Fund Index. You can invest in Franklin India Pension Plan - (IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹500.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
3%, if redeemed before the age of 58 years (subject to a 3 year lock-in period) NIL, if redeemed after the age of 58 years The fund has generated 8.71% and 9.02% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 38.33% in Equity, 55.97% in Debt and 5.70% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 59.71% in Debt, 9.37% in Banks, 3.93% in IT-Software, 2.22% in Telecom-Services, 1.90% in Construction

FAQs

How to Invest in Franklin India Pension Plan - (IDCW) Direct Growth?

Franklin India Pension Plan - (IDCW) is a popular fund in the Retirement Fund segment. The fund has generated a return of 11.38% since inception. Looking to invest in Franklin India Pension Plan - (IDCW) How about earning 1% extra return? All this is possible with m.Stock! Investing in Franklin India Pension Plan - (IDCW) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage across products for life.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, Franklin India Pension Plan - (IDCW)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Enter amount, select payment mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route, then enter SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in Franklin India Pension Plan - (IDCW) today and reap the benefits of this Retirement Fund fund!

How much returns has Franklin India Pension Plan - (IDCW) Direct Growth generated?

In the short term, i.e., 1 year, Franklin India Pension Plan - (IDCW) has generated annualised return of 9.85%. In the long-term, the fund has generated 8.71% and 9.02% in 3 and 5 years respectively. Since its inception, the fund has generated 11.38% returns.

What is the expense ratio of Franklin India Pension Plan - (IDCW) Direct Growth?

The expense ratio of Franklin India Pension Plan - (IDCW) Direct Growth is 2.26%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of Franklin India Pension Plan - (IDCW) Fund Direct Growth?

The Assets Under Management (AUM) of Franklin India Pension Plan - (IDCW) is ₹516.76 (Cr) as of 2025-01-16 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from Franklin India Pension Plan - (IDCW) Direct Growth?

Redeeming or selling units of Franklin India Pension Plan - (IDCW) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from Franklin India Pension Plan - (IDCW):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case Franklin India Pension Plan - (IDCW)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).