Should I invest in FT India Monthly Income Plan?

We don't give personal investment advice. FT India Monthly Income Plan-Growth is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.3%. 5-year CAGR: 6.58%.

Franklin Templeton

FT India Monthly Income Plan-Growth

Latest NAV

₹90.7383

As of

8 Jun 2026

4,961 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.00%	+13.72%	-13.72	29 / 35	Q4
1W	+0.08%	+7.55%	-7.47	22 / 37	Q3
2W	-0.29%	+7.57%	-7.85	27 / 37	Q3
1M	-0.76%	+2.97%	-3.73	25 / 37	Q3
3M	-0.01%	+8.97%	-8.98	16 / 35	Q2
6M	-1.36%	-2.30%	+0.94	11 / 33	Q2
YTD	-1.80%	-7.47%	+5.67	18 / 35	Q3
1Y	-0.28%	-2.27%	+1.99	15 / 33	Q2
2Y	+4.56%	+1.73%	+2.82	11 / 33	Q2
3Y	+7.60%	+3.63%	+3.97	11 / 33	Q2
4Y	+7.96%	+4.04%	+3.91	11 / 33	Q2
5Y	+6.58%	+3.29%	+3.29	12 / 33	Q2
7Y	+7.06%	+3.69%	+3.37	12 / 33	Q2
10Y	+6.98%	+3.21%	+3.76	9 / 33	Q2
Inception	+7.94%	+13.33%	-5.39	12 / 35	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-1.80%	-1.86%	+0.06	18 / 33
2025	+5.77%	+1.83%	+3.94	9 / 33
2024	+10.62%	+6.68%	+3.94	9 / 33
2023	+11.39%	+6.65%	+4.74	7 / 33
2022	+3.95%	-0.18%	+4.14	8 / 33
2021	+7.95%	+0.64%	+7.31	14 / 35
2020	+7.03%	+5.49%	+1.54	15 / 33
2019	+8.44%	+2.15%	+6.29	3 / 33
2018	+2.17%	-3.43%	+5.60	5 / 33
2017	+7.98%	+4.29%	+3.69	10 / 33
2016	+9.28%	+4.98%	+4.29	6 / 33

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+8.38%

234 windows

min -10.7% · max 25.4%

96% positive

3-Year rolling

+8.32%

210 windows

min 3.2% · max 14.7%

100% positive

5-Year rolling

+8.29%

186 windows

min 4.8% · max 11.9%

100% positive

7-Year rolling

+8.37%

161 windows

min 6.2% · max 11.0%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

3.29%

3-year · annualised

Sharpe ratio

0.27

vs risk-free 6.5%

Sortino ratio

0.65

Downside-only deviation

Max drawdown

-4.05%

Jan 2026 → Mar 2026

% positive months

77.8%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC MF Monthly Income Plan-Long Term Plan-Growth Option	HDFC	₹82.3053	8 Jun 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - MONTHLY IDCW Option	Nippon India	₹0.0000	8 Jun 2026
SBI Magnum Monthly Income Plan - Growth	SBI	₹75.1505	8 Jun 2026
ICICI Prudential Income Multiplier Fund-Dividend option	ICICI Prudential	₹13.7412	5 Jun 2026
FT India Monthly Income Plan-Monthly Dividend	Franklin Templeton	₹12.4658	8 Jun 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.1121	8 Jun 2026
DSP BlackRock Savings Manager Fund - Aggressive - Growth	DSP BlackRock	₹59.9003	8 Jun 2026
HSBC MIP - Savings - Dividend - Quarterly	HSBC	₹16.9847	8 Jun 2026
Canara Robeco Cigo-Growth Plan	Canara Robeco	₹96.4567	8 Jun 2026
UTI - MIS-ADVANTAGE-FLEXI DIVIDEND	UTI	₹43.7781	8 Jun 2026

Recent NAVs

Date	NAV
8 Jun 2026	₹90.7383
5 Jun 2026	₹90.8592
4 Jun 2026	₹90.7288
3 Jun 2026	₹90.6648
2 Jun 2026	₹90.6980
1 Jun 2026	₹90.6696
29 May 2026	₹90.8085
27 May 2026	₹91.0318
26 May 2026	₹90.9830
25 May 2026	₹90.9998

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 08 Jun 2026, the NAV of FT India Monthly Income Plan-Growth is ₹90.7383. It's a Conservative Hybrid Fund from Franklin Templeton, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

FT India Monthly Income Plan-Growth has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

FT India Monthly Income Plan-Growth is managed by Franklin Templeton. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, FT India Monthly Income Plan-Growth has delivered a absolute return of -0.28% — +1.99 pp ahead of the Conservative Hybrid Fund category average of -2.27%. The fund ranks #15 of 33 in its category — the second (Q2) quartile.

Over the trailing 3-year window, FT India Monthly Income Plan-Growth has delivered a CAGR of 7.60% — +3.97 pp ahead of the Conservative Hybrid Fund category average of 3.63%. The fund ranks #11 of 33 in its category — the second (Q2) quartile.

Over the trailing 5-year window, FT India Monthly Income Plan-Growth has delivered a CAGR of 6.58% — +3.29 pp ahead of the Conservative Hybrid Fund category average of 3.29%. The fund ranks #12 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in FT India Monthly Income Plan-Growth exactly 10 years ago would be worth approximately ₹196,317 today — a multiplier of 1.96×, based on the 10-year CAGR of 6.98%. The category average over the same window would have grown ₹1 lakh to ₹137,211.

A ₹10,000 monthly SIP in FT India Monthly Income Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹704,198 today. That's an XIRR (money-weighted annualised return) of 6.34%.

A ₹10,000 monthly SIP for 10 years in FT India Monthly Income Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹1,705,339 (multiplier 1.42×). XIRR: 6.83%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, FT India Monthly Income Plan-Growth ranks #12 out of 33 funds in the Conservative Hybrid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.29%; this fund delivered 6.58%.

The worst peak-to-trough decline FT India Monthly Income Plan-Growth has experienced over the last 5-year window is 4.35% — its NAV fell from a high on 17 Jan 2022 to a low on 17 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, FT India Monthly Income Plan-Growth averaged 8.29% (best 11.88%, worst 4.81%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.01 — negative risk-adjusted performance.

In calendar year 2025, FT India Monthly Income Plan-Growth returned 5.77% — beating the Conservative Hybrid Fund category average of 1.83% by 3.94 pp. It ranked #9 of 33 in its category that year.

FT India Monthly Income Plan-Growth is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. FT India Monthly Income Plan-Growth is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.3%. 5-year CAGR: 6.58%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

FT India Monthly Income Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Conservative Hybrid Fund

Recent NAVs

Frequently asked questions

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