Should I invest in Franklin India Credit Risk Fund?

We don't give personal investment advice. Franklin India Credit Risk Fund - IDCW 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: 14.3%. 5-year CAGR: 4.04%.

Franklin India

Franklin India Credit Risk Fund - IDCW

Latest NAV

₹13.5858

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.

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	+0.14%	-0.02%	+0.16	1 / 9	Q1
1W	+0.43%	+0.04%	+0.39	1 / 9	Q1
2W	+0.55%	+0.10%	+0.45	1 / 9	Q1
1M	+0.88%	+0.40%	+0.48	4 / 9	Q2
3M	+2.84%	+1.51%	+1.33	1 / 9	Q1
6M	+4.87%	+1.66%	+3.21	1 / 9	Q1
YTD	+4.95%	+1.66%	+3.29	1 / 9	Q1
1Y	+7.45%	+3.18%	+4.27	2 / 9	Q1
2Y	+8.91%	+3.70%	+5.20	1 / 9	Q1
3Y	+11.01%	+3.94%	+7.07	1 / 9	Q1
4Y	+5.04%	+3.37%	+1.67	4 / 9	Q2
5Y	+4.04%	+2.96%	+1.07	4 / 9	Q2
7Y	+2.90%	+2.20%	+0.70	3 / 8	Q2
10Y	+2.41%	+2.30%	+0.10	3 / 7	Q2
Inception	+2.68%	+3.05%	-0.37	4 / 9	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
2023 YTD	+4.95%	+3.56%	+1.39	3 / 6
2022	+6.55%	+1.32%	+5.23	1 / 8
2021	+13.77%	+4.91%	+8.86	1 / 8
2020	-0.24%	+0.51%	-0.75	6 / 9
2019	-3.97%	+1.65%	-5.63	8 / 9
2018	+0.09%	+1.81%	-1.72	6 / 9
2017	+0.07%	+1.49%	-1.42	5 / 9
2016	+0.31%	+4.19%	-3.88	9 / 9
2015	+0.71%	+2.99%	-2.28	2 / 3
2014	+2.34%	+1.44%	+0.90	1 / 2
2013	+1.13%	+0.65%	+0.48	1 / 2

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

+2.32%

129 windows

min -12.0% · max 18.1%

67% positive

3-Year rolling

+1.24%

104 windows

min -4.4% · max 11.2%

72% positive

5-Year rolling

+0.81%

80 windows

min -2.5% · max 4.0%

78% positive

7-Year rolling

+0.83%

56 windows

min -1.3% · max 2.9%

75% 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 - IDCW Option	HDFC	₹23.7773	17 Jul 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	17 Jul 2026
ICICI Prudential Credit Risk Fund - Quarterly IDCW	ICICI Prudential	₹11.3276	17 Jul 2026
Franklin India Credit Risk Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	17 Jul 2026
Baroda BNP Paribas Credit Risk fund -Defunct -Monthly IDCW option -Seg. Portfolio 2 (erstwhile BBNPP Medium Duration Fund Defunct-Monthly IDCW option Seg. Portfolio 1)	Baroda BNP Paribas	₹0.0000	17 Jul 2026

Recent NAVs

Date	NAV
11 Jun 2023	₹13.5858
9 Jun 2023	₹13.5665
8 Jun 2023	₹13.5352
7 Jun 2023	₹13.5336
6 Jun 2023	₹13.5311
5 Jun 2023	₹13.5275
2 Jun 2023	₹13.5209
1 Jun 2023	₹13.5203
31 May 2023	₹13.5158
30 May 2023	₹13.5129

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 - IDCW is ₹13.5858. It's a Credit Risk Fund from Franklin India, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Franklin India Credit Risk Fund - IDCW 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 - IDCW 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 - IDCW has delivered a absolute return of 7.45% — +4.27 pp ahead of the Credit Risk Fund category average of 3.18%. The fund ranks #2 of 9 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Franklin India Credit Risk Fund - IDCW has delivered a CAGR of 11.01% — +7.07 pp ahead of the Credit Risk Fund category average of 3.94%. The fund ranks #1 of 9 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Franklin India Credit Risk Fund - IDCW has delivered a CAGR of 4.04% — +1.07 pp ahead of the Credit Risk Fund category average of 2.96%. The fund ranks #4 of 9 in its category — the second (Q2) quartile.

₹1 lakh invested in Franklin India Credit Risk Fund - IDCW exactly 10 years ago would be worth approximately ₹126,869 today — a multiplier of 1.27×, based on the 10-year CAGR of 2.41%. The category average over the same window would have grown ₹1 lakh to ₹125,589.

A ₹10,000 monthly SIP in Franklin India Credit Risk Fund - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹718,264 today. That's an XIRR (money-weighted annualised return) of 7.13%.

A ₹10,000 monthly SIP for 10 years in Franklin India Credit Risk Fund - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,454,785 (multiplier 1.21×). XIRR: 3.77%. 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 - IDCW ranks #4 out of 9 funds in the Credit Risk Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.96%; this fund delivered 4.04%.

The worst peak-to-trough decline Franklin India Credit Risk Fund - IDCW has experienced over the last 5-year window is 14.34% — its NAV fell from a high on 22 Mar 2019 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 - IDCW averaged 0.81% (best 4.04%, worst -2.48%). 78% of rolling windows ended positive. The 5-year Sharpe ratio is -0.44 — negative risk-adjusted performance.

In calendar year 2022, Franklin India Credit Risk Fund - IDCW returned 6.55% — beating the Credit Risk Fund category average of 1.32% by 5.23 pp. It ranked #1 of 8 in its category that year.

Franklin India Credit Risk Fund - IDCW 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 - IDCW 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: 14.3%. 5-year CAGR: 4.04%.

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