Should I invest in Franklin India Credit Risk Fund?

We don't give personal investment advice. Franklin India Credit Risk 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: 9.7%. 5-year CAGR: 6.98%.

Franklin India

Franklin India Credit Risk Fund - Growth

Latest NAV

₹25.3348

As of

11 Jun 2023

2,777 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.

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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	+0.14%	+0.07%	+0.07	1 / 5	Q1
1W	+0.43%	+0.11%	+0.33	1 / 5	Q1
2W	+0.55%	+0.14%	+0.41	1 / 5	Q1
1M	+0.88%	+0.91%	-0.03	4 / 5	Q4
3M	+2.84%	+2.20%	+0.64	1 / 5	Q1
6M	+4.87%	+3.99%	+0.87	1 / 5	Q1
YTD	+4.95%	+4.04%	+0.91	1 / 5	Q1
1Y	+7.45%	+7.17%	+0.28	2 / 5	Q2
2Y	+8.91%	+8.25%	+0.66	1 / 5	Q1
3Y	+11.01%	+8.54%	+2.48	1 / 5	Q1
4Y	+6.64%	+7.41%	-0.78	5 / 5	Q4
5Y	+6.98%	+6.78%	+0.20	3 / 5	Q3
7Y	+7.36%	+6.91%	+0.45	3 / 5	Q3
10Y	+7.87%	+7.11%	+0.76	1 / 5	Q1
Inception	+8.39%	+7.79%	+0.60	1 / 5	Q1

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
2023 YTD	+4.95%	+6.65%	-1.70	5 / 5
2022	+6.55%	+4.02%	+2.53	1 / 5
2021	+13.77%	+9.12%	+4.65	1 / 5
2020	-0.25%	+4.18%	-4.42	4 / 5
2019	+4.03%	+6.59%	-2.56	4 / 5
2018	+8.32%	+6.45%	+1.87	1 / 5
2017	+8.22%	+6.89%	+1.32	1 / 5
2016	+8.65%	+9.88%	-1.23	5 / 5
2015	+9.21%	+9.21%	+0.00	1 / 1
2014	+11.85%	+11.85%	+0.00	1 / 1
2013	+8.49%	+8.49%	+0.00	1 / 1

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

+8.27%

129 windows

min -6.6% · max 18.1%

91% positive

3-Year rolling

+7.72%

104 windows

min 2.1% · max 11.2%

100% positive

5-Year rolling

+7.64%

80 windows

min 4.8% · max 9.9%

100% positive

7-Year rolling

+7.64%

56 windows

min 6.4% · max 9.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

4.98%

3-year · annualised

Sharpe ratio

0.83

vs risk-free 6.5%

Sortino ratio

1.81

Downside-only deviation

Max drawdown

-2.79%

Jul 2020 → Jul 2020

% positive months

83.3%

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 Credit Risk Fund

Scheme	Fund house	NAV	As of
HDFC Credit Risk Debt Fund - Growth Option	HDFC	₹25.8215	17 Jul 2026
Nippon India Credit Risk Fund - Growth Plan	Nippon India	₹37.7700	17 Jul 2026
ICICI Prudential Credit Risk Fund - Growth	ICICI Prudential	₹34.5258	17 Jul 2026
Franklin India Credit Risk Fund - Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Growth Plan	Franklin India	₹0.0000	17 Jul 2026
Kotak Credit Risk Fund - Growth	Kotak	₹31.6815	17 Jul 2026
Baroda BNP Paribas Credit risk fund -Defunct -Growth option -Seg-Portfolio 2 (erstwhile BBNPP Medium Duration Fund-Defunct Growth Option Seg.Portfolio1)	Baroda BNP Paribas	₹0.0000	17 Jul 2026

Recent NAVs

Date	NAV
11 Jun 2023	₹25.3348
9 Jun 2023	₹25.2987
8 Jun 2023	₹25.2405
7 Jun 2023	₹25.2375
6 Jun 2023	₹25.2328
5 Jun 2023	₹25.2260
2 Jun 2023	₹25.2138
1 Jun 2023	₹25.2127
31 May 2023	₹25.2042
30 May 2023	₹25.1989

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 11 Jun 2023, the NAV of Franklin India Credit Risk Fund - Growth is ₹25.3348. It's a Credit Risk Fund from Franklin India, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Franklin India Credit Risk Fund - Growth has NAV history starting from 08 Dec 2011, a track record of about 14 years 7 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 Credit Risk Fund - Growth is managed by Franklin India. It's classified by AMFI under the 'Credit Risk Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Franklin India Credit Risk Fund - Growth has delivered a absolute return of 7.45% — +0.28 pp ahead of the Credit Risk Fund category average of 7.17%. The fund ranks #2 of 5 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Franklin India Credit Risk Fund - Growth has delivered a CAGR of 11.01% — +2.48 pp ahead of the Credit Risk Fund category average of 8.54%. The fund ranks #1 of 5 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Franklin India Credit Risk Fund - Growth has delivered a CAGR of 6.98% — +0.2 pp ahead of the Credit Risk Fund category average of 6.78%. The fund ranks #3 of 5 in its category — the third (Q3) quartile.

₹1 lakh invested in Franklin India Credit Risk Fund - Growth exactly 10 years ago would be worth approximately ₹213,231 today — a multiplier of 2.13×, based on the 10-year CAGR of 7.87%. The category average over the same window would have grown ₹1 lakh to ₹198,658.

A ₹10,000 monthly SIP in Franklin India Credit Risk Fund - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹736,205 today. That's an XIRR (money-weighted annualised return) of 8.11%.

A ₹10,000 monthly SIP for 10 years in Franklin India Credit Risk Fund - Growth = ₹1,200,000 invested. It would currently be worth ₹1,775,604 (multiplier 1.48×). XIRR: 7.60%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Franklin India Credit Risk Fund - Growth ranks #3 out of 5 funds in the Credit Risk Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.78%; this fund delivered 6.98%.

The worst peak-to-trough decline Franklin India Credit Risk Fund - Growth has experienced over the last 5-year window is 9.72% — its NAV fell from a high on 13 Jan 2020 to a low on 30 Apr 2020. 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 Credit Risk Fund - Growth averaged 7.64% (best 9.94%, worst 4.80%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.08 — weak risk-adjusted performance.

In calendar year 2022, Franklin India Credit Risk Fund - Growth returned 6.55% — beating the Credit Risk Fund category average of 4.02% by 2.53 pp. It ranked #1 of 5 in its category that year.

Franklin India Credit Risk 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 Credit Risk 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: 9.7%. 5-year CAGR: 6.98%.

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

Franklin India Credit Risk Fund - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Credit Risk Fund

Recent NAVs

Frequently asked questions

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