Should I invest in Franklin India Retirement Fund - Direct?

We don't give personal investment advice. Franklin India Retirement Fund - Direct - Growth 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: 7.4%. 5-year CAGR: 7.98%.

Franklin India

Franklin India Retirement Fund - Direct - Growth

Latest NAV

₹241.8786

As of

17 Jul 2026

3,332 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%	+0.15%	-0.01	11 / 30	Q2
1W	-0.12%	-0.05%	-0.06	18 / 30	Q3
2W	-0.03%	+0.24%	-0.28	24 / 30	Q4
1M	+0.97%	+1.44%	-0.47	24 / 30	Q4
3M	+1.13%	+2.97%	-1.84	28 / 30	Q4
6M	+0.15%	+2.28%	-2.12	27 / 30	Q4
YTD	-0.84%	+1.24%	-2.08	24 / 30	Q4
1Y	+0.40%	+2.97%	-2.57	26 / 30	Q4
2Y	+3.52%	+4.32%	-0.80	20 / 30	Q3
3Y	+8.73%	+11.33%	-2.60	18 / 27	Q3
4Y	+9.74%	+12.57%	-2.83	16 / 26	Q3
5Y	+7.98%	+10.51%	-2.53	17 / 26	Q3
7Y	+8.76%	+11.63%	-2.87	12 / 19	Q3
10Y	+8.21%	+11.20%	-2.99	9 / 11	Q4
Inception	+9.78%	+11.61%	-1.83	19 / 30	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
2026 YTD	-0.84%	+1.24%	-2.08	24 / 30
2025	+4.87%	+5.89%	-1.02	21 / 30
2024	+13.37%	+15.71%	-2.34	15 / 28
2023	+14.89%	+21.10%	-6.21	19 / 27
2022	+4.34%	+2.72%	+1.62	8 / 26
2021	+10.49%	+18.09%	-7.61	14 / 22
2020	+9.28%	+13.07%	-3.79	18 / 22
2019	+9.56%	+8.63%	+0.94	3 / 11
2018	+2.04%	-0.39%	+2.44	5 / 11
2017	+13.04%	+26.41%	-13.37	9 / 11
2016	+8.88%	+7.01%	+1.87	4 / 8

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

+10.87%

153 windows

min -2.0% · max 40.3%

96% positive

3-Year rolling

+10.09%

129 windows

min 3.7% · max 19.6%

100% positive

5-Year rolling

+9.51%

105 windows

min 5.4% · max 14.9%

100% positive

7-Year rolling

+9.32%

80 windows

min 7.5% · max 12.2%

100% 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

5.48%

3-year · annualised

Sharpe ratio

0.38

vs risk-free 6.5%

Sortino ratio

0.73

Downside-only deviation

Max drawdown

-5.88%

Nov 2025 → Mar 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 Retirement Fund

Scheme	Fund house	NAV	As of
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan	HDFC	₹55.9750	17 Jul 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹20.6550	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹13.2520	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹25.1110	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹20.3300	17 Jul 2026
Tata Retirement Savings Fund- Conservative Plan-Direct Plan-Growth Option	Tata	₹38.8569	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹241.8786
16 Jul 2026	₹241.5321
15 Jul 2026	₹241.6060
14 Jul 2026	₹241.0531
13 Jul 2026	₹242.1815
10 Jul 2026	₹242.1576
9 Jul 2026	₹241.0935
8 Jul 2026	₹240.3937
7 Jul 2026	₹242.5239
6 Jul 2026	₹242.7359

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 17 Jul 2026, the NAV of Franklin India Retirement Fund - Direct - Growth is ₹241.8786. It's a Retirement Fund from Franklin India, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Franklin India Retirement 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 Retirement Fund - Direct - Growth is managed by Franklin India. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Franklin India Retirement Fund - Direct - Growth has delivered a absolute return of 0.40% — -2.57 pp behind the Retirement Fund category average of 2.97%. The fund ranks #26 of 30 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Franklin India Retirement Fund - Direct - Growth has delivered a CAGR of 8.73% — -2.6 pp behind the Retirement Fund category average of 11.33%. The fund ranks #18 of 27 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Franklin India Retirement Fund - Direct - Growth has delivered a CAGR of 7.98% — -2.53 pp behind the Retirement Fund category average of 10.51%. The fund ranks #17 of 26 in its category — the third (Q3) quartile.

₹1 lakh invested in Franklin India Retirement Fund - Direct - Growth exactly 10 years ago would be worth approximately ₹220,207 today — a multiplier of 2.20×, based on the 10-year CAGR of 8.21%. The category average over the same window would have grown ₹1 lakh to ₹289,121.

A ₹10,000 monthly SIP in Franklin India Retirement Fund - Direct - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹726,930 today. That's an XIRR (money-weighted annualised return) of 7.61%.

A ₹10,000 monthly SIP for 10 years in Franklin India Retirement Fund - Direct - Growth = ₹1,200,000 invested. It would currently be worth ₹1,845,476 (multiplier 1.54×). XIRR: 8.34%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Franklin India Retirement Fund - Direct - Growth ranks #17 out of 26 funds in the Retirement Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 10.51%; this fund delivered 7.98%.

The worst peak-to-trough decline Franklin India Retirement Fund - Direct - Growth has experienced over the last 5-year window is 7.44% — its NAV fell from a high on 17 Jan 2022 to a low on 17 Jun 2022. 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 Retirement Fund - Direct - Growth averaged 9.51% (best 14.94%, worst 5.42%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.22 — weak risk-adjusted performance.

In calendar year 2025, Franklin India Retirement Fund - Direct - Growth returned 4.87% — lagging the Retirement Fund category average of 5.89% by 1.02 pp. It ranked #21 of 30 in its category that year.

Franklin India Retirement Fund - Direct - Growth 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 Retirement Fund - Direct - Growth 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: 7.4%. 5-year CAGR: 7.98%.

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

Franklin India Retirement Fund - Direct - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Retirement Fund

Recent NAVs

Frequently asked questions

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