Top 10 Franklin Templeton Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
Franklin India Dynamic Accrual FundDebtModerate10.1%5star3,981
Franklin India Credit Risk Fund DebtModerate8.2%5star6,785
Franklin India Income Opportunities FundDebtModerate8.8%5star3,587
Franklin India Low Duration FundDebtModerate9.3%5star6,296
Franklin India Corporate Debt FundDebtModerate11.7%5star1,033
Franklin India Ultra Short Bond FundDebtModerate10.1%5star19,751
Franklin India STIPDebtModerate9.3%5star13,156
Franklin India Liquid FundDebtLow7.5%5star12,029
Franklin India Savings FundDebtModerately Low9.3%4star2,899
Franklin India Banking & PSU Debt FundDebtModerate13.1%4star407
Franklin India Government Securities FundDebtModerate-2.3%1star58
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 Direct Plan Growth

Fund Performance: This fund has consistently beaten its benchmark in Dynamic segment and provided 9.28% annualized returns in the last 3 years. In the last 1 year, it gave 10.12% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 10.12% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹10,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Debt mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt10,000
AUM3,981Cr
1Y Returns10.1%

Franklin India Credit Risk Fund Direct Plan Growth

Fund Performance: This fund has consistently beaten its benchmark in Credit Risk segment and provided 8.5% annualized returns in the last 3 years. In the last 1 year, it gave 8.21% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 8.21% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Debt mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM6,785Cr
1Y Returns8.2%

Franklin India Income Opportunities Direct Plan Growth

Fund Performance: This fund has consistently beaten its benchmark in Medium Duration segment and provided 8.78% annualized returns in the last 3 years. In the last 1 year, it gave 8.78% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 8.78% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Debt mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM3,587Cr
1Y Returns8.8%

Franklin India Low Duration Direct Plan Growth

Fund Performance: This fund has consistently beaten its benchmark in Low Duration segment and provided 8.84% annualized returns in the last 3 years. In the last 1 year, it gave 9.27% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 9.27% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹10,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Debt mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt10,000
AUM6,296Cr
1Y Returns9.3%

Franklin India Corporate Debt Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Corporate Bond segment and provided 9.08% annualized returns in the last 3 years. In the last 1 year, it gave 11.65% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 11.65% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹10,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Debt mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt10,000
AUM1,033Cr
1Y Returns11.7%

Franklin India Ultra Short Bond Fund Super Institutional Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Ultra Short Duration segment and provided 8.93% annualized returns in the last 3 years. In the last 1 year, it gave 10.11% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 10.11% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹10,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Debt mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt10,000
AUM19,751Cr
1Y Returns10.1%

Franklin India Short term Income Plan Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Short Duration segment and provided 9.02% annualized returns in the last 3 years. In the last 1 year, it gave 9.29% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 9.29% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Debt mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt5,000
AUM13,156Cr
1Y Returns9.3%

Franklin India Liquid Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Liquid segment and provided 7.18% annualized returns in the last 3 years. In the last 1 year, it gave 7.55% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.55% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹10,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Debt mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt10,000
AUM12,029Cr
1Y Returns7.5%

Franklin India Savings Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Money Market segment and provided 7.98% annualized returns in the last 3 years. In the last 1 year, it gave 9.27% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 9.27% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹10,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Debt mutual fund in India.

Launch Date31 Dec 2012
Min Investment Amt10,000
AUM2,899Cr
1Y Returns9.3%

Franklin India Banking & PSU Debt Fund Direct Growth

Fund Performance: This fund has consistently beaten its benchmark in Banking & PSU segment and provided 8.44% annualized returns in the last 3 years. In the last 1 year, it gave 13.05% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 13.05% returns in the last 1 year. Minimum lump sum investment amount for this scheme is ₹5,000. Minimum SIP investment amount for this scheme is ₹500. This is one of the best Debt mutual fund in India.

Launch Date24 Apr 2014
Min Investment Amt5,000
AUM407Cr
1Y Returns13.1%

Franklin India Government Securities PF Direct Plan 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. . Minimum SIP investment amount for this scheme is ₹10,000. This is one of the best Debt mutual fund in India.

Launch Date31 Dec 2012
Min Investment AmtN.A
AUM58Cr
1Y Returns-2.3%

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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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