Top 10 Franklin Templeton Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Franklin India Dynamic Accrual FundDebtModerate7.9%5star3,008
Franklin India Low Duration FundDebtModerate8.2%5star6,495
Franklin India Ultra Short Bond FundDebtModerate8.4%5star14,643
Franklin India STIPDebtModerate8.1%5star9,280
Franklin India Income Opportunities FundDebtModerate7.7%4star3,770
Franklin India Credit Risk Fund DebtModerate7.9%4star7,007
Franklin India Corporate Debt FundDebtModerate6.5%4star921
Franklin India Savings FundDebtModerately Low7.4%3star519
Franklin India Liquid FundDebtLow7.5%3star0
Franklin India Government Securities FundDebtModerate-2.3%2star55
Franklin India Government Securities Fund - CompositeDebtModerate-2.2%2star55
Franklin India Banking & PSU Debt FundDebtModerate5.9%2star73
View All Top 10 Franklin Templeton Mutual Funds

Best Franklin Templeton Debt Mutual Funds

The firm specializes in conservatively managed mutual funds. It offers products under the Franklin, Templeton, Mutual Series and Fiduciary brand names. Like other large investment companies, the firm offers a wide variety of funds but is traditionally best known for bond funds under the Franklin brand, international funds under the Templeton brand, and value funds under the Mutual Series brand.

With more than 600 investment professionals in 28 countries around the world, Franklin Templeton is uniquely positioned to look beyond the largest or most visible securities in each market to spot smart global investments that meet their rigorous investment criteria.

Franklin Templeton's association with India dates back to over 2 decades as an investor. As part of the group's major thrust on investing in markets around the world, the India office was set up in 1996 as Templeton Asset Management India Pvt. Limited.

If you are saving for very short-term goals like a vacation or buying an automobile, then this category is ideal for gains within one year. It is also an excellent resort to park your money until you decide where to invest or spend next. Returns are taxed as per your income tax slab if sold before three years and have negligible tax post that period.

Purpose: Invest here for your short term goals like a vacation, buying a bike, jewelry or expensive gadget.

Let's have a closer look

Now let us jump and check about these top 10 mutual fund schemes.

Franklin India Dynamic Accrual Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Dynamic segment and provided 9.65% annualized returns in the last 3 years. In the last 1 year, it gave 7.88% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.88% returns in the last 1 year. Groww rated this fund as 5 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Sachin Padwal-Desai, Santosh Kamath, Umesh Sharma

Launch Date31 Dec 2012
Min Investment Amt10,000
Groww Rating5star
AUM3,008Cr
1Y Returns7.9%

Franklin India Low Duration Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Low Duration segment and provided 9.12% annualized returns in the last 3 years. In the last 1 year, it gave 8.23% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 8.23% returns in the last 1 year. Groww rated this fund as 5 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Santosh Kamath, Kunal Agrawal

Launch Date31 Dec 2012
Min Investment Amt10,000
Groww Rating5star
AUM6,495Cr
1Y Returns8.2%

Franklin India Ultra Short Bond Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Ultra Short Duration segment and provided 8.94% annualized returns in the last 3 years. In the last 1 year, it gave 8.38% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 8.38% returns in the last 1 year. Groww rated this fund as 5 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Sachin Padwal-Desai, Pallab Roy

Launch Date31 Dec 2012
Min Investment Amt10,000
Groww Rating5star
AUM14,643Cr
1Y Returns8.4%

Franklin India STIP - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Short Duration segment and provided 9.05% annualized returns in the last 3 years. In the last 1 year, it gave 8.14% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 8.14% returns in the last 1 year. Groww rated this fund as 5 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Santosh Kamath, Kunal Agrawal

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating5star
AUM9,280Cr
1Y Returns8.1%

Franklin India Income Opportunities Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Medium Duration segment and provided 8.9% annualized returns in the last 3 years. In the last 1 year, it gave 7.65% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.65% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Santosh Kamath, Sumit Gupta

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM3,770Cr
1Y Returns7.7%

Franklin India Credit Risk Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Credit Risk segment and provided 9.11% annualized returns in the last 3 years. In the last 1 year, it gave 7.94% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.94% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Santosh Kamath, Sumit Gupta

Launch Date31 Dec 2012
Min Investment Amt5,000
Groww Rating4star
AUM7,007Cr
1Y Returns7.9%

Franklin India Corporate Debt Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Corporate Bond segment and provided 8.38% annualized returns in the last 3 years. In the last 1 year, it gave 6.54% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.54% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Santosh Kamath, Sumit Gupta

Launch Date31 Dec 2012
Min Investment Amt10,000
Groww Rating4star
AUM921Cr
1Y Returns6.5%

Franklin India Savings Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Money Market segment and provided 7.83% annualized returns in the last 3 years. In the last 1 year, it gave 7.37% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.37% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Sachin Padwal-Desai, Pallab Roy

Launch Date31 Dec 2012
Min Investment Amt10,000
Groww Rating3star
AUM519Cr
1Y Returns7.4%

Franklin India Liquid Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Liquid segment and provided -100% annualized returns in the last 3 years. In the last 1 year, it gave 7.47% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.47% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Sachin Padwal-Desai, Pallab Roy

Launch Date31 Dec 2012
Min Investment Amt10,000
Groww Rating3star
AUM0Cr
1Y Returns7.5%

Franklin India Government Securities Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Gilt segment and provided 6% annualized returns in the last 3 years. In the last 1 year, it gave -2.3% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -2.3% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Sachin Padwal-Desai, Umesh Sharma

Launch Date31 Dec 2012
Min Investment Amt25,000
Groww Rating2star
AUM55Cr
1Y Returns-2.3%

Franklin India Government Securities Fund - Composite - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Gilt segment and provided 6.04% annualized returns in the last 3 years. In the last 1 year, it gave -2.24% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided -2.24% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Sachin Padwal-Desai, Umesh Sharma

Launch Date31 Dec 2012
Min Investment Amt10,000
Groww Rating2star
AUM55Cr
1Y Returns-2.2%

Franklin India Banking & PSU Debt Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Banking & PSU segment and provided 7.81% annualized returns in the last 3 years. In the last 1 year, it gave 5.92% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 5.92% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Sachin Padwal-Desai, Umesh Sharma

Launch Date24 Apr 2014
Min Investment Amt5,000
Groww Rating2star
AUM73Cr
1Y Returns5.9%

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What does investing in Franklin Templeton Debt Mutual Funds actually mean?

Suppose a mutual fund invests in ten stocks and total current market value of these stocks is 1.1 Crore. Out of this, the AMC deducts say, 0.1 Crore for operating the fund (this is known as the expense ratio). So the net value is 1 crore. Now the AMC will divide this 1 Crore into say, 10,000 parts. These parts are known as units. The cost of one unit is 1Cr/10,000 = Rs. 1000. This is known as the Net Asset Value (NAV) of the mutual fund. Suppose the AMC has set a minimum investment requirement of Rs. 500. Then if you pay Rs. 500, you will get 0.5 units of the fund. Remember that the cost of one unit is the cost when you made the purchase. Suppose after one year, the NAV has fallen to Rs. 700 per unit and you wish to exit the fund (also known as redemption), then you sell your 0.5 units back to the AMC and get 0.5 x Rs. 700 = Rs. 350 back. Yes, you invested Rs. 500 and got back Rs. 350 – a loss of 150 over a year. The point is, that you buy units at current NAV and sell units (fully or partially) at current NAV. This is what investing in mutual fund actually means.

How to invest in Franklin Templeton Mutual Funds on Groww?

One of the best ways to hedge against the small-cap volatility is to adopt a phased approach, also known as Systematic Investment Plan (SIP) approach. We are sure that you must be aware of SIP and its benefits. Buying in small quantity but buying regularly provides you with faster growth. On Groww.in, all transactions to and from AMC is done via BSE. When you decide to invest in a large cap mutual fund of your choice, you choose that mutual fund on the website and click ‘invest’. Following that, you are redirected to the BSE page where you make the payment. BSE then directs your money to the AMC managing your mutual fund. To be assured at your end, you can visit the individual AMC website after the payment. You would be able to see all your purchased units against your folio number.

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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing.
Past performance is not indicative of future returns. Please consider your specific investment requirements, risk tolerance, investment goal, time frame, risk and reward balance and the cost associated with the investment before choosing a fund, or designing a portfolio that suits your needs.
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