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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	+53.59%	-53.45	3 / 11	Q2
1W	+0.43%	+30.19%	-29.76	3 / 13	Q1
2W	+0.55%	+41.30%	-40.75	3 / 12	Q1
1M	+0.88%	+41.75%	-40.87	4 / 12	Q2
3M	+2.84%	+43.25%	-40.41	3 / 12	Q1
6M	+4.87%	+45.00%	-40.14	3 / 12	Q1
YTD	+4.95%	+42.20%	-37.25	3 / 12	Q1
1Y	+7.45%	+50.25%	-42.80	4 / 12	Q2
2Y	+8.91%	+18.45%	-9.55	3 / 11	Q2
3Y	+11.01%	+3.72%	+7.29	1 / 9	Q1
4Y	+5.04%	+3.39%	+1.65	4 / 9	Q2
5Y	+4.04%	+3.15%	+0.88	4 / 9	Q2
7Y	+2.90%	+2.11%	+0.79	3 / 8	Q2
10Y	+2.41%	+2.30%	+0.11	3 / 7	Q2
Inception	+2.68%	+18.69%	-16.01	6 / 11	Q3

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%	-11.24%	+16.19	3 / 7
2022	+6.55%	+60.56%	-54.02	3 / 10
2021	+13.77%	+0.71%	+13.06	1 / 10
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	₹23.3474	3 Jun 2026
NIPPON INDIA CREDIT RISK FUND - SEGREGATED PORTFOLIO 2 - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
ICICI Prudential Credit Risk Fund - Quarterly IDCW	ICICI Prudential	₹11.2642	3 Jun 2026
Franklin India Credit Risk Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	3 Jun 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	3 Jun 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 5 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% — -42.8 pp behind the Credit Risk Fund category average of 50.25%. The fund ranks #4 of 12 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Franklin India Credit Risk Fund - IDCW has delivered a CAGR of 11.01% — +7.29 pp ahead of the Credit Risk Fund category average of 3.72%. 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% — +0.88 pp ahead of the Credit Risk Fund category average of 3.15%. 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 ₹125,517.

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 3.15%; 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% — lagging the Credit Risk Fund category average of 60.56% by 54.02 pp. It ranked #3 of 10 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.