Should I invest in Templeton India Income Builder Account-Quarterly?

We don't give personal investment advice. Templeton India Income Builder Account-Quarterly 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: 11.8%. 5-year CAGR: -2.03%.

Franklin Templeton

Templeton India Income Builder Account-Quarterly

Latest NAV

₹12.0730

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%	+0.12%	-0.12	25 / 33	Q4
1W	+0.41%	-2.68%	+3.08	21 / 34	Q3
2W	+0.58%	-2.38%	+2.96	22 / 34	Q3
1M	+0.44%	-2.52%	+2.96	10 / 34	Q2
3M	-0.57%	-3.00%	+2.44	26 / 34	Q4
6M	-1.02%	-3.22%	+2.20	22 / 32	Q3
YTD	+0.32%	-2.94%	+3.26	14 / 32	Q2
1Y	-2.09%	-2.49%	+0.40	23 / 32	Q3
2Y	+0.34%	-1.35%	+1.69	17 / 30	Q3
3Y	-0.50%	-1.70%	+1.20	25 / 30	Q4
4Y	-1.01%	-1.92%	+0.90	26 / 29	Q4
5Y	-2.03%	-2.76%	+0.73	24 / 26	Q4
7Y	-1.74%	-2.84%	+1.10	23 / 24	Q4
10Y	-1.10%	+1.50%	-2.60	22 / 22	Q4
Inception	-0.72%	-0.74%	+0.02	32 / 34	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	+0.32%	-0.38%	+0.71	10 / 21
2025	+1.52%	+2.87%	-1.36	11 / 21
2024	-0.26%	+2.38%	-2.65	20 / 21
2023	-2.19%	+1.19%	-3.39	21 / 21
2022	-5.25%	-0.52%	-4.73	22 / 22
2021	-4.60%	-0.19%	-4.41	22 / 22
2020	+0.33%	+3.13%	-2.81	16 / 24
2019	+0.68%	+2.92%	-2.24	17 / 25
2018	-1.13%	+1.55%	-2.68	22 / 25
2017	-0.80%	+1.65%	-2.45	19 / 25
2016	+0.35%	+3.80%	-3.45	21 / 23

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

-0.68%

234 windows

min -7.3% · max 8.7%

41% positive

3-Year rolling

-0.62%

210 windows

min -4.5% · max 3.8%

34% positive

5-Year rolling

-0.40%

186 windows

min -3.2% · max 2.7%

39% positive

7-Year rolling

-0.15%

161 windows

min -2.0% · max 2.0%

49% 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

3.53%

3-year · annualised

Sharpe ratio

-1.97

vs risk-free 6.5%

Sortino ratio

-2.42

Downside-only deviation

Max drawdown

-3.78%

Jun 2023 → Mar 2025

% 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 Corporate Bond Fund

Scheme	Fund house	NAV	As of
HDFC Corporate Bond Fund - IDCW Option	HDFC	₹20.4668	8 Jun 2026
NIPPON INDIA CORPORATE BOND FUND - IDCW Option	Nippon India	₹20.0880	8 Jun 2026
ICICI Prudential Corporate Bond Fund -Quarterly IDCW	ICICI Prudential	₹11.2543	8 Jun 2026
Templeton India Income Builder Account-Dividend	Franklin Templeton	₹16.7473	8 Jun 2026
BARODA BNP PARIBAS Corporate Bond Fund - Defunct Plan - Annual-IDCW Option	Baroda BNP Paribas	₹12.0409	8 Jun 2026
PGIM India Corporate Bond Fund - Annual Dividend	PGIM India	₹10.1444	8 Jun 2026
Birla Sun Life Income Fund-Plan B(Growth)	Birla Sun Life	₹117.4646	8 Jun 2026
Reliance Medium Term Fund- Daily Dividend Plan	Reliance	₹17.0959	8 Jun 2026

Recent NAVs

Date	NAV
8 Jun 2026	₹12.0730
5 Jun 2026	₹12.0547
4 Jun 2026	₹12.0338
3 Jun 2026	₹12.0258
2 Jun 2026	₹12.0238
1 Jun 2026	₹12.0240
29 May 2026	₹12.0120
27 May 2026	₹12.0059
26 May 2026	₹12.0095
25 May 2026	₹12.0037

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 India Income Builder Account-Quarterly is ₹12.0730. It's a Corporate Bond Fund from Franklin Templeton, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Templeton India Income Builder Account-Quarterly 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 India Income Builder Account-Quarterly is managed by Franklin Templeton. It's classified by AMFI under the 'Corporate Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Templeton India Income Builder Account-Quarterly has delivered a absolute return of -2.09% — +0.4 pp ahead of the Corporate Bond Fund category average of -2.49%. The fund ranks #23 of 32 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Templeton India Income Builder Account-Quarterly has delivered a CAGR of -0.50% — +1.2 pp ahead of the Corporate Bond Fund category average of -1.70%. The fund ranks #25 of 30 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Templeton India Income Builder Account-Quarterly has delivered a CAGR of -2.03% — +0.73 pp ahead of the Corporate Bond Fund category average of -2.76%. The fund ranks #24 of 26 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Templeton India Income Builder Account-Quarterly exactly 10 years ago would be worth approximately ₹89,553 today — a multiplier of 0.90×, based on the 10-year CAGR of -1.10%. The category average over the same window would have grown ₹1 lakh to ₹116,084.

A ₹10,000 monthly SIP in Templeton India Income Builder Account-Quarterly over the last 5 years — total invested ₹600,000 — would be worth ₹590,765 today. That's an XIRR (money-weighted annualised return) of -0.61%.

A ₹10,000 monthly SIP for 10 years in Templeton India Income Builder Account-Quarterly = ₹1,200,000 invested. It would currently be worth ₹1,127,961 (multiplier 0.94×). XIRR: -1.23%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Templeton India Income Builder Account-Quarterly ranks #24 out of 26 funds in the Corporate Bond Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -2.76%; this fund delivered -2.03%.

The worst peak-to-trough decline Templeton India Income Builder Account-Quarterly has experienced over the last 5-year window is 11.83% — its NAV fell from a high on 14 Jun 2021 to a low on 25 Mar 2025. 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 India Income Builder Account-Quarterly averaged -0.40% (best 2.65%, worst -3.20%). 39% of rolling windows ended positive. The 5-year Sharpe ratio is -2.32 — negative risk-adjusted performance.

In calendar year 2025, Templeton India Income Builder Account-Quarterly returned 1.52% — lagging the Corporate Bond Fund category average of 2.87% by 1.36 pp. It ranked #11 of 21 in its category that year.

Templeton India Income Builder Account-Quarterly 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 India Income Builder Account-Quarterly 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: 11.8%. 5-year CAGR: -2.03%.

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