Should I invest in Templeton Floating Rate Income Fund-Long Term Plan?

We don't give personal investment advice. Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.5%. 5-year CAGR: 1.20%.

Franklin Templeton

Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option

Latest NAV

₹11.1988

As of

8 Jun 2026

4,870 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%	+0.05%	-0.05	34 / 51	Q3
1W	+0.26%	+0.16%	+0.10	25 / 51	Q2
2W	+0.45%	+0.28%	+0.17	2 / 51	Q1
1M	+0.38%	+0.21%	+0.17	4 / 51	Q1
3M	+0.00%	+0.52%	-0.52	35 / 51	Q3
6M	-0.05%	+0.97%	-1.02	44 / 51	Q4
YTD	+0.97%	+0.92%	+0.05	21 / 51	Q2
1Y	+0.05%	+2.18%	-2.13	32 / 51	Q3
2Y	+1.43%	+2.83%	-1.40	22 / 51	Q2
3Y	+1.75%	+3.10%	-1.34	20 / 43	Q2
4Y	+1.96%	+3.12%	-1.16	20 / 43	Q2
5Y	+1.20%	+2.79%	-1.59	20 / 43	Q2
7Y	+0.20%	+2.66%	-2.46	25 / 43	Q3
10Y	-0.02%	+2.73%	-2.75	42 / 42	Q4
Inception	+0.40%	+3.46%	-3.06	24 / 50	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	+0.97%	+0.84%	+0.13	18 / 42
2025	+1.67%	+3.15%	-1.48	19 / 42
2024	+2.14%	+3.39%	-1.25	19 / 41
2023	+2.59%	+3.51%	-0.92	20 / 39
2022	+0.95%	+2.03%	-1.07	20 / 41
2021	-2.90%	+1.44%	-4.34	41 / 41
2020	-2.31%	+2.26%	-4.57	47 / 47
2019	+0.07%	+2.96%	-2.89	27 / 47
2018	-0.88%	+2.57%	-3.45	42 / 43
2017	-1.05%	+2.37%	-3.42	43 / 43
2016	-0.15%	+2.97%	-3.13	44 / 44

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

+0.38%

234 windows

min -4.4% · max 3.4%

63% positive

3-Year rolling

+0.21%

210 windows

min -2.1% · max 2.6%

62% positive

5-Year rolling

+0.02%

186 windows

min -1.5% · max 1.2%

54% positive

7-Year rolling

+0.01%

161 windows

min -1.1% · max 0.8%

59% 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

2.06%

3-year · annualised

Sharpe ratio

-2.30

vs risk-free 6.5%

Sortino ratio

-3.39

Downside-only deviation

Max drawdown

-1.53%

Dec 2025 → Mar 2026

% positive months

66.7%

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 Money Market Fund

Scheme	Fund house	NAV	As of
HDFC Cash Management Fund - Savings Plan-Daily Dividend Option	HDFC	₹1,063.6400	8 Jun 2026
NIPPON INDIA MONEY MARKET FUND - QUARTERLY IDCW Option	Nippon India	₹1,025.0758	8 Jun 2026
SBI Magnum Income Fund - F R P - Short Term - (G)	SBI	₹43.6704	8 Jun 2026
ICICI Prudential Money Market Fund Option - IDCW Others	ICICI Prudential	₹184.2732	8 Jun 2026
Invesco India Money Market Fund - Daily IDCW (Reinvestment)	Invesco	₹1,000.2900	8 Jun 2026
Franklin India Money Market Fund - DP - Wkly IDCW R	Franklin India	₹10.0910	8 Jun 2026
Templeton Floating Rate Income Fund-Long Term Plan-Growth Option	Franklin Templeton	₹53.0547	8 Jun 2026
Kotak Floater Short Term-(Growth)	Kotak Mahindra	₹4,749.0043	8 Jun 2026
DSP BlackRock Treasury Bill Fund - Dividend	DSP BlackRock	₹12.3739	8 Jun 2026
UTI MMF - Instn Growth Plan	UTI	₹3,262.2295	8 Jun 2026

Recent NAVs

Date	NAV
8 Jun 2026	₹11.1988
5 Jun 2026	₹11.1880
4 Jun 2026	₹11.1767
3 Jun 2026	₹11.1750
2 Jun 2026	₹11.1727
1 Jun 2026	₹11.1695
29 May 2026	₹11.1586
27 May 2026	₹11.1513
26 May 2026	₹11.1472
25 May 2026	₹11.1485

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 Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option is ₹11.1988. It's a Money Market Fund from Franklin Templeton, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option 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.

Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option is managed by Franklin Templeton. It's classified by AMFI under the 'Money Market Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option has delivered a absolute return of 0.05% — -2.13 pp behind the Money Market Fund category average of 2.18%. The fund ranks #32 of 51 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option has delivered a CAGR of 1.75% — -1.34 pp behind the Money Market Fund category average of 3.10%. The fund ranks #20 of 43 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option has delivered a CAGR of 1.20% — -1.59 pp behind the Money Market Fund category average of 2.79%. The fund ranks #20 of 43 in its category — the second (Q2) quartile.

₹1 lakh invested in Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option exactly 10 years ago would be worth approximately ₹99,756 today — a multiplier of 1.00×, based on the 10-year CAGR of -0.02%. The category average over the same window would have grown ₹1 lakh to ₹130,906.

A ₹10,000 monthly SIP in Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹627,157 today. That's an XIRR (money-weighted annualised return) of 1.74%.

A ₹10,000 monthly SIP for 10 years in Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,239,906 (multiplier 1.03×). XIRR: 0.65%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option ranks #20 out of 43 funds in the Money Market Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.79%; this fund delivered 1.20%.

The worst peak-to-trough decline Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option has experienced over the last 5-year window is 2.46% — its NAV fell from a high on 15 Jun 2021 to a low on 27 Dec 2021. 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, Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option averaged 0.02% (best 1.20%, worst -1.53%). 54% of rolling windows ended positive. The 5-year Sharpe ratio is -2.57 — negative risk-adjusted performance.

In calendar year 2025, Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option returned 1.67% — lagging the Money Market Fund category average of 3.15% by 1.48 pp. It ranked #19 of 42 in its category that year.

Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. Templeton Floating Rate Income Fund-Long Term Plan-Dividend Option is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.5%. 5-year CAGR: 1.20%.

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