Should I invest in FT India Monthly Income Plan-Monthly Dividend?

We don't give personal investment advice. FT India Monthly Income Plan-Monthly Dividend 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: 9.7%. 5-year CAGR: -1.47%.

Franklin Templeton

FT India Monthly Income Plan-Monthly Dividend

Latest NAV

₹12.5294

As of

12 Jun 2026

4,965 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	-0.22%	-0.06%	-0.16	31 / 33	Q4
1W	-0.02%	+0.35%	-0.37	32 / 33	Q4
2W	-0.35%	+0.02%	-0.37	23 / 33	Q3
1M	-0.33%	+0.39%	-0.72	32 / 33	Q4
3M	-1.47%	-0.10%	-1.37	27 / 33	Q4
6M	-4.61%	-1.78%	-2.83	28 / 33	Q4
YTD	-4.65%	-1.71%	-2.95	30 / 33	Q4
1Y	-7.28%	-2.05%	-5.24	29 / 33	Q4
2Y	-3.13%	+1.35%	-4.48	28 / 33	Q4
3Y	-0.36%	+3.66%	-4.02	27 / 33	Q4
4Y	+0.10%	+4.34%	-4.24	29 / 33	Q4
5Y	-1.47%	+3.24%	-4.71	31 / 33	Q4
7Y	-0.97%	+3.70%	-4.67	31 / 33	Q4
10Y	-1.13%	+3.26%	-4.38	30 / 33	Q4
Inception	+0.07%	+3.71%	-3.64	31 / 33	Q4

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	-4.65%	-1.71%	-2.95	30 / 33
2025	-2.05%	+1.83%	-3.88	26 / 33
2024	+2.45%	+6.68%	-4.24	25 / 33
2023	+2.73%	+6.65%	-3.91	26 / 33
2022	-4.06%	-0.18%	-3.88	25 / 33
2021	-0.03%	+6.74%	-6.77	30 / 33
2020	-1.03%	+5.49%	-6.52	29 / 33
2019	+0.39%	+2.15%	-1.75	21 / 33
2018	-5.73%	-3.43%	-2.30	25 / 33
2017	-0.80%	+4.29%	-5.09	32 / 33
2016	+0.78%	+4.98%	-4.20	29 / 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

+0.62%

234 windows

min -19.3% · max 15.9%

54% positive

3-Year rolling

+0.85%

210 windows

min -4.9% · max 7.6%

54% positive

5-Year rolling

+0.87%

186 windows

min -3.3% · max 4.8%

53% positive

7-Year rolling

+0.93%

161 windows

min -2.0% · max 5.1%

61% 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

3.32%

3-year · annualised

Sharpe ratio

-2.05

vs risk-free 6.5%

Sortino ratio

-2.82

Downside-only deviation

Max drawdown

-9.68%

Sep 2024 → Mar 2026

% positive months

47.2%

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	₹82.9386	12 Jun 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - MONTHLY IDCW Option	Nippon India	₹0.0000	12 Jun 2026
SBI Magnum Monthly Income Plan - Growth	SBI	₹75.5433	12 Jun 2026
ICICI Prudential Income Multiplier Fund-Dividend option	ICICI Prudential	₹13.7837	12 Jun 2026
FT India Monthly Income Plan-Growth	Franklin Templeton	₹91.2016	12 Jun 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.2047	12 Jun 2026
DSP BlackRock Savings Manager Fund - Aggressive - Growth	DSP BlackRock	₹60.3008	12 Jun 2026
HSBC MIP - Savings - Dividend - Quarterly	HSBC	₹17.1210	12 Jun 2026
Canara Robeco Cigo-Growth Plan	Canara Robeco	₹97.4086	12 Jun 2026
UTI - MIS-ADVANTAGE-FLEXI DIVIDEND	UTI	₹44.1257	12 Jun 2026

Recent NAVs

Date	NAV
12 Jun 2026	₹12.5294
11 Jun 2026	₹12.4623
10 Jun 2026	₹12.4899
9 Jun 2026	₹12.4953
8 Jun 2026	₹12.4658
5 Jun 2026	₹12.4824
4 Jun 2026	₹12.4645
3 Jun 2026	₹12.4557
2 Jun 2026	₹12.4602
1 Jun 2026	₹12.4563

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 12 Jun 2026, the NAV of FT India Monthly Income Plan-Monthly Dividend is ₹12.5294. 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-Monthly Dividend 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-Monthly Dividend 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-Monthly Dividend has delivered a absolute return of -7.28% — -5.24 pp behind the Conservative Hybrid Fund category average of -2.05%. The fund ranks #29 of 33 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, FT India Monthly Income Plan-Monthly Dividend has delivered a CAGR of -0.36% — -4.02 pp behind the Conservative Hybrid Fund category average of 3.66%. The fund ranks #27 of 33 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, FT India Monthly Income Plan-Monthly Dividend has delivered a CAGR of -1.47% — -4.71 pp behind the Conservative Hybrid Fund category average of 3.24%. The fund ranks #31 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in FT India Monthly Income Plan-Monthly Dividend exactly 10 years ago would be worth approximately ₹89,291 today — a multiplier of 0.89×, based on the 10-year CAGR of -1.13%. The category average over the same window would have grown ₹1 lakh to ₹137,783.

A ₹10,000 monthly SIP in FT India Monthly Income Plan-Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹575,146 today. That's an XIRR (money-weighted annualised return) of -1.66%.

A ₹10,000 monthly SIP for 10 years in FT India Monthly Income Plan-Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,129,381 (multiplier 0.94×). XIRR: -1.21%. 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-Monthly Dividend ranks #31 out of 33 funds in the Conservative Hybrid Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.24%; this fund delivered -1.47%.

The worst peak-to-trough decline FT India Monthly Income Plan-Monthly Dividend has experienced over the last 5-year window is 9.68% — its NAV fell from a high on 23 Sep 2024 to a low on 30 Mar 2026. 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-Monthly Dividend averaged 0.87% (best 4.81%, worst -3.26%). 53% of rolling windows ended positive. The 5-year Sharpe ratio is -2.12 — negative risk-adjusted performance.

In calendar year 2025, FT India Monthly Income Plan-Monthly Dividend returned -2.05% — lagging the Conservative Hybrid Fund category average of 1.83% by 3.88 pp. It ranked #26 of 33 in its category that year.

FT India Monthly Income Plan-Monthly Dividend 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-Monthly Dividend 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: 9.7%. 5-year CAGR: -1.47%.

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