Should I invest in Franklin India Banking & PSU Debt Fund?

We don't give personal investment advice. Franklin India Banking & PSU Debt Fund - Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.1%. 5-year CAGR: 5.91%.

Franklin India

Franklin India Banking & PSU Debt Fund - Growth

Latest NAV

₹23.6120

As of

3 Jun 2026

2,922 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	+0.01%	+0.05%	-0.05	6 / 6	Q4
1W	+0.13%	+0.16%	-0.02	5 / 6	Q4
2W	+0.16%	+0.28%	-0.13	5 / 6	Q4
1M	+0.23%	+0.05%	+0.17	1 / 6	Q1
3M	+0.92%	+0.31%	+0.61	1 / 6	Q1
6M	+2.07%	+1.23%	+0.83	1 / 6	Q1
YTD	+1.77%	+0.91%	+0.86	1 / 6	Q1
1Y	+5.01%	+3.96%	+1.05	1 / 6	Q1
2Y	+7.10%	+6.79%	+0.31	2 / 6	Q2
3Y	+6.95%	+6.67%	+0.28	1 / 5	Q1
4Y	+6.86%	+6.72%	+0.14	2 / 5	Q2
5Y	+5.91%	+5.87%	+0.04	3 / 5	Q3
7Y	+6.56%	+6.65%	-0.09	5 / 5	Q4
10Y	+7.01%	+7.03%	-0.01	3 / 5	Q3
Inception	+7.35%	+7.55%	-0.21	5 / 6	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	+1.77%	+1.08%	+0.69	1 / 5
2025	+7.85%	+7.58%	+0.27	1 / 5
2024	+7.66%	+7.82%	-0.17	5 / 5
2023	+6.85%	+6.90%	-0.05	2 / 5
2022	+3.27%	+3.52%	-0.25	4 / 5
2021	+3.62%	+3.81%	-0.19	4 / 5
2020	+9.02%	+9.99%	-0.97	5 / 5
2019	+11.20%	+10.61%	+0.59	1 / 5
2018	+6.80%	+5.21%	+1.60	1 / 6
2017	+5.91%	+5.74%	+0.17	3 / 6
2016	+9.57%	+10.50%	-0.93	6 / 6

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

+7.30%

136 windows

min 2.2% · max 13.0%

100% positive

3-Year rolling

+7.15%

112 windows

min 4.4% · max 9.2%

100% positive

5-Year rolling

+7.16%

87 windows

min 5.8% · max 8.8%

100% positive

7-Year rolling

+7.17%

63 windows

min 6.5% · max 8.4%

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

1.17%

3-year · annualised

Sharpe ratio

0.22

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.64%

Mar 2026 → Apr 2026

% positive months

94.4%

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 Banking & PSU Fund

Scheme	Fund house	NAV	As of
HDFC Banking and PSU Debt Fund - Growth Option	HDFC	₹23.8416	3 Jun 2026
Nippon India Banking and PSU Fund- Growth Plan- Growth Option	Nippon India	₹21.4737	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Growth	ICICI Prudential	₹34.0911	3 Jun 2026
Kotak Banking and PSU Debt - Growth	Kotak	₹68.0401	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹23.6120
2 Jun 2026	₹23.6098
1 Jun 2026	₹23.6111
29 May 2026	₹23.5870
27 May 2026	₹23.5802
26 May 2026	₹23.5893
25 May 2026	₹23.5718
22 May 2026	₹23.5588
21 May 2026	₹23.5493
20 May 2026	₹23.5745

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 03 Jun 2026, the NAV of Franklin India Banking & PSU Debt Fund - Growth is ₹23.6120. It's a Banking & PSU Fund from Franklin India, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Franklin India Banking & PSU Debt Fund - Growth has NAV history starting from 25 Apr 2014, a track record of about 12 years 1 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Franklin India Banking & PSU Debt Fund - Growth is managed by Franklin India. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Franklin India Banking & PSU Debt Fund - Growth has delivered a absolute return of 5.01% — +1.05 pp ahead of the Banking & PSU Fund category average of 3.96%. The fund ranks #1 of 6 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Franklin India Banking & PSU Debt Fund - Growth has delivered a CAGR of 6.95% — +0.28 pp ahead of the Banking & PSU Fund category average of 6.67%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Franklin India Banking & PSU Debt Fund - Growth has delivered a CAGR of 5.91% — +0.04 pp ahead of the Banking & PSU Fund category average of 5.87%. The fund ranks #3 of 5 in its category — the third (Q3) quartile.

₹1 lakh invested in Franklin India Banking & PSU Debt Fund - Growth exactly 10 years ago would be worth approximately ₹196,965 today — a multiplier of 1.97×, based on the 10-year CAGR of 7.01%. The category average over the same window would have grown ₹1 lakh to ₹197,236.

A ₹10,000 monthly SIP in Franklin India Banking & PSU Debt Fund - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹708,728 today. That's an XIRR (money-weighted annualised return) of 6.59%.

A ₹10,000 monthly SIP for 10 years in Franklin India Banking & PSU Debt Fund - Growth = ₹1,200,000 invested. It would currently be worth ₹1,689,802 (multiplier 1.41×). XIRR: 6.66%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Franklin India Banking & PSU Debt Fund - Growth ranks #3 out of 5 funds in the Banking & PSU Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 5.87%; this fund delivered 5.91%.

The worst peak-to-trough decline Franklin India Banking & PSU Debt Fund - Growth has experienced over the last 5-year window is 1.07% — its NAV fell from a high on 05 Apr 2022 to a low on 09 May 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, Franklin India Banking & PSU Debt Fund - Growth averaged 7.16% (best 8.79%, worst 5.75%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.56 — negative risk-adjusted performance.

In calendar year 2025, Franklin India Banking & PSU Debt Fund - Growth returned 7.85% — beating the Banking & PSU Fund category average of 7.58% by 0.27 pp. It ranked #1 of 5 in its category that year.

Franklin India Banking & PSU Debt Fund - Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Franklin India Banking & PSU Debt Fund - Growth is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.1%. 5-year CAGR: 5.91%.

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

Franklin India Banking & PSU Debt Fund - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Banking & PSU Fund

Recent NAVs

Frequently asked questions

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