Retirement FundFranklin Templeton Asset Management (India) Private Limited

Franklin India Retirement Fund - Direct - Growth

Benchmark: CRISIL Short Term Debt Hybrid 60+40 Index · Riskometer: Moderately High

₹242.597

NAV (2026-08-31)

₹492.59 Cr

AUM (2026-08-31)

1.53%

EXPENSE RATIO (DIRECT)

1997-03-31

INCEPTION

DQuality · 45.4/100

CSafety · 58.1/100

CCompound · 58.1/100

Punji Fund Health Score - percentile-within-category. See methodology.

CHART

Rolling CAGR by holding period - min, median, max

Each group is one holding-period length. Full range of outcomes across every overlapping window in the fund's history, not one trailing number.

Min rolling CAGRMedian rolling CAGRMax rolling CAGR

Category RankRisk MetricsHoldingsSimilar FundsPunji Analytics

Metric	Value	Percentile	Category median
3Y Rolling CAGR	9.7%	38.46^th	12.8%
3Y Sharpe Ratio	0.30	33.33^th	0.43
3Y Alpha	-0.7%	18.52^th	0.3%
3Y Std Deviation	5.4%	70.37^th (lower is better)	9.5%

0.3044

0.43

-0.7123

0.8015

5.401

-5.8803

87.4649

87.7816

2.2936

Tracking Error (%)

1.4513

Calmar Ratio

3-year window vs. CRISIL Short Term Debt Hybrid 60+40 Index.

CHART

Top sector holdings

Share of portfolio (% to NAV) in each of the top sectors.

Other 63.085138%Banks 8.95097%IT - Software 2.409431%Consumer Durables 1.823554%Automobiles 1.736912%Retailing 1.604065%Petroleum Products 1.58622%Telecom - Services 1.39523%Pharmaceuticals & Biotechnology 1.357254%Healthcare Services 1.296415%Power 1.272575%Aerospace & Defense 1.255666%Construction 1.202327%Financial Technology (Fintech) 1.144586%Industrial Products 0.880815%Cement & Cement Products 0.8181%Electrical Equipment 0.80627%Agricultural Food & other Products 0.739203%Food Products 0.733609%Ferrous Metals 0.651875%Auto Components 0.638432%Realty 0.554956%Transport Services 0.522655%Agricultural, Commercial & Construction Vehicles 0.503896%Insurance 0.45952%Finance 0.448746%Diversified FMCG 0.382297%Leisure Services 0.265138%Capital Markets 0.090345%

TOP HOLDINGS

7.48% National Bank For Agriculture & Rural Development (15-Sep-2028) ()9.699218%

Indian Bank (06-Nov-2026) ** ()6.948889%

0.00% Jubilant Bevco Ltd (31-May-2028) ** ()5.999314%

7.68% Small Industries Development Bank Of India (10-Aug-2027) ()5.200767%

7.90% Bajaj Housing Finance Ltd (28-Apr-2028) ** ()5.178703%

7.70% Poonawalla Fincorp Ltd (21-Apr-2028) ** ()5.130476%

7.90% LIC Housing Finance LTD (23-Jun-2027) ()5.11233%

7.03% National Bank for Financing Infrastructure and Development (08-Apr-2030) ** ()5.094799%

0.00% Jubilant Beverages Ltd (31-May-2028) ** ()4.004864%

Canara Bank (30-Nov-2026) ** ()2.964999%

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