Should I invest in Franklin India Government Securities Fund?

We don't give personal investment advice. Franklin India Government Securities Fund - 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: 6.0%. 5-year CAGR: 0.77%.

Franklin Templeton

Franklin India Government Securities Fund - IDCW

Latest NAV

₹10.7623

As of

24 Jul 2026

4,903 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	+0.03%	+0.08%	-0.05	43 / 50	Q4
1W	+0.33%	-0.07%	+0.40	5 / 50	Q1
2W	+0.43%	-0.34%	+0.78	4 / 50	Q1
1M	+1.26%	+0.23%	+1.03	4 / 50	Q1
3M	+1.41%	+1.90%	-0.48	35 / 49	Q3
6M	+1.01%	+2.05%	-1.04	37 / 48	Q4
YTD	+1.03%	+1.91%	-0.87	32 / 48	Q3
1Y	-0.50%	+1.99%	-2.50	39 / 48	Q4
2Y	+1.34%	+4.21%	-2.88	36 / 47	Q4
3Y	+1.68%	+4.88%	-3.20	35 / 46	Q4
4Y	+1.63%	+4.96%	-3.33	34 / 44	Q4
5Y	+0.77%	+4.06%	-3.29	33 / 42	Q4
7Y	-0.38%	+4.31%	-4.69	40 / 42	Q4
10Y	-0.91%	+4.74%	-5.66	42 / 42	Q4
Inception	-0.08%	+5.13%	-5.21	50 / 50	Q4

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
2026 YTD	+1.03%	+2.04%	-1.01	28 / 35
2025	+0.30%	+3.16%	-2.86	31 / 37
2024	+3.34%	+7.11%	-3.77	30 / 37
2023	+1.78%	+5.56%	-3.78	30 / 37
2022	-0.29%	+1.37%	-1.66	30 / 37
2021	-5.64%	+1.03%	-6.67	36 / 37
2020	-0.06%	+8.25%	-8.30	34 / 37
2019	+0.03%	+8.56%	-8.53	36 / 37
2018	-3.46%	+3.47%	-6.93	47 / 47
2017	-8.88%	+0.07%	-8.95	47 / 47
2016	+6.99%	+11.27%	-4.28	35 / 46

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

-0.08%

236 windows

min -13.4% · max 13.6%

50% positive

3-Year rolling

-0.09%

211 windows

min -4.7% · max 6.8%

43% positive

5-Year rolling

-0.15%

187 windows

min -3.9% · max 3.5%

41% positive

7-Year rolling

-0.11%

163 windows

min -2.7% · max 2.2%

52% positive

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

3.41%

3-year · annualised

Sharpe ratio

-1.41

vs risk-free 6.5%

Sortino ratio

-1.93

Downside-only deviation

Max drawdown

-6.00%

May 2025 → Apr 2026

% positive months

66.7%

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 Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund - Growth Plan	HDFC	₹57.1929	24 Jul 2026
SBI GILT FUND - GROWTH - PF (Fixed Period - 3 Yrs) Option	SBI	₹41.0817	24 Jul 2026
ICICI Prudential Gilt Fund - Growth	ICICI Prudential	₹107.9276	24 Jul 2026
Franklin India Government Securities Fund - Growth	Franklin Templeton	₹61.4889	24 Jul 2026
Kotak Gilt-Investment Provident Fund and Trust-Growth	Kotak Mahindra	₹99.4019	24 Jul 2026
DSP Gilt Fund - Regular Plan - Growth	DSP BlackRock	₹98.6711	24 Jul 2026
Baroda BNP Paribas GILT FUND - Regular Plan - Growth Option	Baroda Pioneer	₹43.9131	24 Jul 2026
CANARA ROBECO GILT FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹76.7608	24 Jul 2026
UTI - GILT FUND - Discontinued PF Plan - Growth Option	UTI	₹48.8721	24 Jul 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.0985	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹10.7623
23 Jul 2026	₹10.7594
22 Jul 2026	₹10.7527
21 Jul 2026	₹10.7466
20 Jul 2026	₹10.7440
17 Jul 2026	₹10.7265
16 Jul 2026	₹10.7347
15 Jul 2026	₹10.7206
14 Jul 2026	₹10.7040
13 Jul 2026	₹10.7185

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 24 Jul 2026, the NAV of Franklin India Government Securities Fund - IDCW is ₹10.7623. It's a Gilt Fund from Franklin Templeton, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Franklin India Government Securities Fund - IDCW has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Franklin India Government Securities Fund - IDCW is managed by Franklin Templeton. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Franklin India Government Securities Fund - IDCW has delivered a absolute return of -0.50% — -2.5 pp behind the Gilt Fund category average of 1.99%. The fund ranks #39 of 48 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Franklin India Government Securities Fund - IDCW has delivered a CAGR of 1.68% — -3.2 pp behind the Gilt Fund category average of 4.88%. The fund ranks #35 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Franklin India Government Securities Fund - IDCW has delivered a CAGR of 0.77% — -3.29 pp behind the Gilt Fund category average of 4.06%. The fund ranks #33 of 42 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Franklin India Government Securities Fund - IDCW exactly 10 years ago would be worth approximately ₹91,257 today — a multiplier of 0.91×, based on the 10-year CAGR of -0.91%. The category average over the same window would have grown ₹1 lakh to ₹158,967.

A ₹10,000 monthly SIP in Franklin India Government Securities Fund - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹620,692 today. That's an XIRR (money-weighted annualised return) of 1.34%.

A ₹10,000 monthly SIP for 10 years in Franklin India Government Securities Fund - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,205,091 (multiplier 1.00×). XIRR: 0.08%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Franklin India Government Securities Fund - IDCW ranks #33 out of 42 funds in the Gilt Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.06%; this fund delivered 0.77%.

The worst peak-to-trough decline Franklin India Government Securities Fund - IDCW has experienced over the last 5-year window is 6.00% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 2026. 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 Government Securities Fund - IDCW averaged -0.15% (best 3.50%, worst -3.95%). 41% of rolling windows ended positive. The 5-year Sharpe ratio is -1.85 — negative risk-adjusted performance.

In calendar year 2025, Franklin India Government Securities Fund - IDCW returned 0.30% — lagging the Gilt Fund category average of 3.16% by 2.86 pp. It ranked #31 of 37 in its category that year.

Franklin India Government Securities Fund - 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 Government Securities Fund - 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: 6.0%. 5-year CAGR: 0.77%.

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