Should I invest in Franklin India Dynamic Accrual Fund - Direct?

We don't give personal investment advice. Franklin India Dynamic Accrual Fund - Direct - Growth 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: 7.1%. 5-year CAGR: 6.60%.

Franklin India

Franklin India Dynamic Accrual Fund - Direct - Growth

Latest NAV

₹84.0329

As of

7 Aug 2022

2,315 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	+0.90%	-0.03%	+0.92	1 / 24	Q1
1W	+1.10%	-0.12%	+1.22	1 / 24	Q1
2W	+1.20%	-0.10%	+1.30	1 / 24	Q1
1M	+1.42%	+1.01%	+0.42	5 / 24	Q1
3M	+2.36%	+2.20%	+0.15	11 / 24	Q2
6M	+1.52%	+3.35%	-1.82	24 / 24	Q4
YTD	+0.77%	+3.03%	-2.25	24 / 24	Q4
1Y	+9.39%	+4.48%	+4.91	1 / 24	Q1
2Y	+9.54%	+6.78%	+2.75	1 / 24	Q1
3Y	+5.40%	+7.09%	-1.68	24 / 24	Q4
4Y	+6.49%	+7.30%	-0.81	20 / 23	Q4
5Y	+6.60%	+6.53%	+0.07	10 / 22	Q2
7Y	+7.88%	+6.80%	+1.09	3 / 21	Q1
10Y	—	—	—	—	—
Inception	+8.33%	+7.59%	+0.74	5 / 24	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
2022 YTD	+0.77%	+3.73%	-2.95	21 / 22
2021	+14.67%	+4.80%	+9.87	1 / 21
2020	-0.98%	+9.74%	-10.73	21 / 21
2019	+7.31%	+8.95%	-1.64	17 / 21
2018	+9.30%	+6.33%	+2.97	1 / 19
2017	+9.43%	+4.33%	+5.10	1 / 18
2016	+10.95%	+13.83%	-2.87	16 / 18
2015	+11.33%	+9.89%	+1.44	1 / 2
2014	+13.17%	+14.24%	-1.07	2 / 2
2013	+4.55%	+7.27%	-2.72	2 / 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

+8.80%

105 windows

min -4.6% · max 17.9%

90% positive

3-Year rolling

+8.55%

81 windows

min 3.8% · max 12.1%

100% positive

5-Year rolling

+8.68%

57 windows

min 6.5% · max 10.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+8.48%

32 windows

min 7.8% · max 9.2%

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

5.03%

3-year · annualised

Sharpe ratio

-0.21

vs risk-free 6.5%

Sortino ratio

-0.40

Downside-only deviation

Max drawdown

-7.10%

Jan 2020 → Aug 2020

% positive months

69.4%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Growth Option - Direct Plan	HDFC	₹103.4571	17 Jul 2026
Nippon India Dynamic Bond Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹42.3595	17 Jul 2026
SBI Dynamic Bond Fund - DIRECT PLAN - Growth	SBI	₹41.2977	17 Jul 2026
ICICI Prudential All Seasons Bond Fund - Direct Plan - Growth	ICICI Prudential	₹42.4684	17 Jul 2026
BANDHAN Dynamic Bond Fund-Direct Plan-Growth	Bandhan	₹40.1432	17 Jul 2026
Quantum Dynamic Bond Fund - Direct Plan Growth Option	Quantum	₹22.8158	17 Jul 2026
Aditya Birla Sun Life Dynamic Bond Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹52.7806	17 Jul 2026
Franklin India Dynamic Accrual Fund - Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct Growth Plan	Franklin India	₹0.0000	17 Jul 2026
Mirae Asset Dynamic Bond Fund -Direct Plan -Growth	Mirae Asset	₹18.8029	17 Jul 2026
Kotak Dynamic Bond Fund - Growth - Direct	Kotak	₹43.4114	17 Jul 2026

Recent NAVs

Date	NAV
7 Aug 2022	₹84.0329
5 Aug 2022	₹83.2869
4 Aug 2022	₹83.1526
3 Aug 2022	₹83.1358
2 Aug 2022	₹83.1257
1 Aug 2022	₹83.1156
29 Jul 2022	₹83.0828
28 Jul 2022	₹83.0717
27 Jul 2022	₹83.0602
26 Jul 2022	₹83.0488

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 07 Aug 2022, the NAV of Franklin India Dynamic Accrual Fund - Direct - Growth is ₹84.0329. It's a Dynamic Bond Fund from Franklin India, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Franklin India Dynamic Accrual Fund - Direct - Growth has NAV history starting from 01 Jan 2013, a track record of about 13 years 6 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 Dynamic Accrual Fund - Direct - Growth is managed by Franklin India. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Franklin India Dynamic Accrual Fund - Direct - Growth has delivered a absolute return of 9.39% — +4.91 pp ahead of the Dynamic Bond Fund category average of 4.48%. The fund ranks #1 of 24 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Franklin India Dynamic Accrual Fund - Direct - Growth has delivered a CAGR of 5.40% — -1.68 pp behind the Dynamic Bond Fund category average of 7.09%. The fund ranks #24 of 24 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Franklin India Dynamic Accrual Fund - Direct - Growth has delivered a CAGR of 6.60% — +0.07 pp ahead of the Dynamic Bond Fund category average of 6.53%. The fund ranks #10 of 22 in its category — the second (Q2) quartile.

₹1 lakh invested in Franklin India Dynamic Accrual Fund - Direct - Growth exactly 5 years ago would be worth approximately ₹137,638 today — a multiplier of 1.38×, based on the 5-year CAGR of 6.60%. The category average over the same window would have grown ₹1 lakh to ₹137,184.

A ₹10,000 monthly SIP in Franklin India Dynamic Accrual Fund - Direct - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹710,331 today. That's an XIRR (money-weighted annualised return) of 6.68%.

Franklin India Dynamic Accrual Fund - Direct - Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,081,465 — XIRR 7.10%.

On a 5-year basis, Franklin India Dynamic Accrual Fund - Direct - Growth ranks #10 out of 22 funds in the Dynamic Bond Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.53%; this fund delivered 6.60%.

The worst peak-to-trough decline Franklin India Dynamic Accrual Fund - Direct - Growth has experienced over the last 5-year window is 7.10% — its NAV fell from a high on 15 Jan 2020 to a low on 31 Aug 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 Dynamic Accrual Fund - Direct - Growth averaged 8.68% (best 10.92%, worst 6.52%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.00 — negative risk-adjusted performance.

In calendar year 2021, Franklin India Dynamic Accrual Fund - Direct - Growth returned 14.67% — beating the Dynamic Bond Fund category average of 4.80% by 9.87 pp. It ranked #1 of 21 in its category that year.

Franklin India Dynamic Accrual Fund - Direct - Growth 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. Franklin India Dynamic Accrual Fund - Direct - Growth 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: 7.1%. 5-year CAGR: 6.60%.

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

Franklin India Dynamic Accrual Fund - Direct - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Dynamic Bond Fund

Recent NAVs

Frequently asked questions

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