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

We don't give personal investment advice. Franklin India Dynamic Accrual Fund - Direct - IDCW 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: 10.3%. 5-year CAGR: 2.48%.

Franklin India

Franklin India Dynamic Accrual Fund - Direct - IDCW

Latest NAV

₹14.1635

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%	+17.32%	-16.43	5 / 68	Q1
1W	+1.10%	+14.16%	-13.06	6 / 70	Q1
2W	+1.20%	+15.97%	-14.77	8 / 69	Q1
1M	+1.42%	+15.90%	-14.48	6 / 69	Q1
3M	+2.36%	+15.94%	-13.59	7 / 69	Q1
6M	+1.52%	+17.09%	-15.56	19 / 69	Q2
YTD	+0.77%	+15.85%	-15.08	25 / 69	Q2
1Y	+9.39%	+18.41%	-9.02	6 / 69	Q1
2Y	+9.54%	+7.92%	+1.62	7 / 68	Q1
3Y	+3.52%	+2.85%	+0.67	25 / 63	Q2
4Y	+3.21%	+3.41%	-0.20	25 / 61	Q2
5Y	+2.48%	+3.09%	-0.62	24 / 56	Q2
7Y	+2.68%	+2.73%	-0.06	20 / 52	Q2
10Y	—	—	—	—	—
Inception	+2.44%	+7.98%	-5.55	31 / 68	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
2022 YTD	+0.77%	+21.54%	-20.77	33 / 59
2021	+14.67%	+0.27%	+14.40	1 / 55
2020	-2.81%	+3.18%	-5.99	50 / 52
2019	-0.01%	+2.95%	-2.97	42 / 53
2018	+1.72%	+3.55%	-1.84	32 / 47
2017	+1.80%	-1.08%	+2.89	13 / 44
2016	+2.96%	+6.39%	-3.43	31 / 44
2015	+3.15%	+4.88%	-1.73	5 / 8
2014	+4.80%	+3.07%	+1.73	2 / 5
2013	-3.07%	+0.87%	-3.94	5 / 5

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

+2.66%

105 windows

min -9.6% · max 17.9%

76% positive

3-Year rolling

+1.84%

81 windows

min -2.2% · max 3.9%

81% positive

5-Year rolling

+1.82%

57 windows

min -0.4% · max 3.0%

96% positive

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

7-Year rolling

+1.85%

32 windows

min 0.1% · max 3.1%

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

5.37%

3-year · annualised

Sharpe ratio

-0.53

vs risk-free 6.5%

Sortino ratio

-0.92

Downside-only deviation

Max drawdown

-10.15%

Sep 2019 → Aug 2020

% positive months

63.9%

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 - Half Yearly IDCW - Direct Plan	HDFC	₹13.6543	3 Jun 2026
NIPPON INDIA DYNAMIC BOND FUND - Direct Plan - IDCW Option	Nippon India	₹29.9231	3 Jun 2026
SBI Dynamic Bond Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.6379	3 Jun 2026
ICICI Prudential All Seasons Bond Fund - Direct Plan - Annual IDCW	ICICI Prudential	₹11.2620	3 Jun 2026
BANDHAN Dynamic Bond Fund-Direct Plan-Annual IDCW	Bandhan	₹11.7487	3 Jun 2026
Quantum Dynamic Bond Fund - Direct Plan Monthly IDCW	Quantum	₹10.1944	3 Jun 2026
Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW	Aditya Birla Sun Life	₹12.9569	3 Jun 2026
Franklin India Dynamic Accrual Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	3 Jun 2026
Mirae Asset Dynamic Bond Fund Direct IDCW	Mirae Asset	₹18.5922	3 Jun 2026
Kotak Dynamic Bond Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.8223	3 Jun 2026

Recent NAVs

Date	NAV
7 Aug 2022	₹14.1635
5 Aug 2022	₹14.0378
4 Aug 2022	₹14.0151
3 Aug 2022	₹14.0123
2 Aug 2022	₹14.0106
1 Aug 2022	₹14.0089
29 Jul 2022	₹14.0034
28 Jul 2022	₹14.0015
27 Jul 2022	₹13.9996
26 Jul 2022	₹13.9977

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 - IDCW is ₹14.1635. It's a Dynamic Bond Fund from Franklin India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Franklin India Dynamic Accrual Fund - Direct - IDCW has NAV history starting from 01 Jan 2013, a track record of about 13 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 Dynamic Accrual Fund - Direct - IDCW 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 - IDCW has delivered a absolute return of 9.39% — -9.02 pp behind the Dynamic Bond Fund category average of 18.41%. The fund ranks #6 of 69 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Franklin India Dynamic Accrual Fund - Direct - IDCW has delivered a CAGR of 3.52% — +0.67 pp ahead of the Dynamic Bond Fund category average of 2.85%. The fund ranks #25 of 63 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Franklin India Dynamic Accrual Fund - Direct - IDCW has delivered a CAGR of 2.48% — -0.62 pp behind the Dynamic Bond Fund category average of 3.09%. The fund ranks #24 of 56 in its category — the second (Q2) quartile.

₹1 lakh invested in Franklin India Dynamic Accrual Fund - Direct - IDCW exactly 5 years ago would be worth approximately ₹113,003 today — a multiplier of 1.13×, based on the 5-year CAGR of 2.48%. The category average over the same window would have grown ₹1 lakh to ₹116,442.

A ₹10,000 monthly SIP in Franklin India Dynamic Accrual Fund - Direct - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹669,830 today. That's an XIRR (money-weighted annualised return) of 4.35%.

Franklin India Dynamic Accrual Fund - Direct - IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹951,533 — XIRR 3.51%.

On a 5-year basis, Franklin India Dynamic Accrual Fund - Direct - IDCW ranks #24 out of 56 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 3.09%; this fund delivered 2.48%.

The worst peak-to-trough decline Franklin India Dynamic Accrual Fund - Direct - IDCW has experienced over the last 5-year window is 10.31% — its NAV fell from a high on 06 Jun 2019 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 - IDCW averaged 1.82% (best 2.98%, worst -0.45%). 96% of rolling windows ended positive. The 5-year Sharpe ratio is -0.86 — negative risk-adjusted performance.

In calendar year 2021, Franklin India Dynamic Accrual Fund - Direct - IDCW returned 14.67% — beating the Dynamic Bond Fund category average of 0.27% by 14.40 pp. It ranked #1 of 55 in its category that year.

Franklin India Dynamic Accrual Fund - Direct - IDCW 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 - IDCW 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: 10.3%. 5-year CAGR: 2.48%.

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