Should I invest in Franklin India Retirement Fund - Direct?

We don't give personal investment advice. Franklin India Retirement Fund - Direct - 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: 17.3%. 5-year CAGR: -0.90%.

Franklin India

Franklin India Retirement Fund - Direct - IDCW

Latest NAV

₹18.3984

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%	+0.13%	+0.01	8 / 23	Q2
1W	-0.12%	-0.04%	-0.07	14 / 23	Q3
2W	-0.03%	-0.77%	+0.74	16 / 23	Q3
1M	+0.97%	+0.41%	+0.55	14 / 23	Q3
3M	+1.12%	+1.93%	-0.81	20 / 23	Q4
6M	+0.14%	+1.13%	-1.00	19 / 23	Q4
YTD	-0.86%	+0.09%	-0.95	18 / 23	Q4
1Y	-7.84%	+0.68%	-8.52	22 / 23	Q4
2Y	-5.18%	+2.40%	-7.58	22 / 23	Q4
3Y	-0.28%	+8.63%	-8.91	19 / 20	Q4
4Y	+0.57%	+9.86%	-9.28	19 / 19	Q4
5Y	-0.90%	+8.42%	-9.32	19 / 19	Q4
7Y	+0.13%	+8.89%	-8.76	12 / 12	Q4
10Y	-0.24%	+6.30%	-6.53	4 / 4	Q4
Inception	+2.01%	+9.90%	-7.90	23 / 23	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	-0.86%	+0.09%	-0.95	18 / 23
2025	-3.74%	+4.83%	-8.57	22 / 23
2024	+3.62%	+11.40%	-7.79	17 / 21
2023	+5.65%	+19.27%	-13.62	20 / 20
2022	-4.61%	+2.24%	-6.84	17 / 19
2021	+2.00%	+15.66%	-13.67	15 / 15
2020	+2.13%	+11.58%	-9.45	14 / 15
2019	+0.93%	+3.85%	-2.93	3 / 4
2018	-6.08%	-1.83%	-4.25	3 / 4
2017	+4.02%	+16.59%	-12.57	4 / 4
2016	+2.85%	+6.30%	-3.45	3 / 4

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

+2.78%

153 windows

min -9.7% · max 33.3%

54% positive

3-Year rolling

+2.08%

129 windows

min -4.6% · max 12.6%

79% positive

5-Year rolling

+1.44%

105 windows

min -2.2% · max 7.5%

67% positive

7-Year rolling

+1.20%

80 windows

min -0.5% · max 4.6%

79% 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

9.82%

3-year · annualised

Sharpe ratio

-0.64

vs risk-free 6.5%

Sortino ratio

-0.73

Downside-only deviation

Max drawdown

-17.32%

Dec 2024 → Mar 2026

% 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 Retirement Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹20.6572	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹13.2420	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹20.4410	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
UTI Retirement Fund- Direct Plan	UTI	₹55.0672	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Plan - IDCW	Axis	₹18.7000	17 Jul 2026
Union Retirement Fund - Direct Plan - IDCW Option	Union	₹17.4400	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹18.3984
16 Jul 2026	₹18.3721
15 Jul 2026	₹18.3777
14 Jul 2026	₹18.3357
13 Jul 2026	₹18.4215
10 Jul 2026	₹18.4197
9 Jul 2026	₹18.3388
8 Jul 2026	₹18.2856
7 Jul 2026	₹18.4477
6 Jul 2026	₹18.4638

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 - IDCW is ₹18.3984. It's a Retirement Fund from Franklin India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Franklin India Retirement Fund - Direct - IDCW 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 - IDCW 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 - IDCW has delivered a absolute return of -7.84% — -8.52 pp behind the Retirement Fund category average of 0.68%. The fund ranks #22 of 23 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Franklin India Retirement Fund - Direct - IDCW has delivered a CAGR of -0.28% — -8.91 pp behind the Retirement Fund category average of 8.63%. The fund ranks #19 of 20 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Franklin India Retirement Fund - Direct - IDCW has delivered a CAGR of -0.90% — -9.32 pp behind the Retirement Fund category average of 8.42%. The fund ranks #19 of 19 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Franklin India Retirement Fund - Direct - IDCW exactly 10 years ago would be worth approximately ₹97,643 today — a multiplier of 0.98×, based on the 10-year CAGR of -0.24%. The category average over the same window would have grown ₹1 lakh to ₹184,158.

A ₹10,000 monthly SIP in Franklin India Retirement Fund - Direct - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹580,809 today. That's an XIRR (money-weighted annualised return) of -1.28%.

A ₹10,000 monthly SIP for 10 years in Franklin India Retirement Fund - Direct - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,179,703 (multiplier 0.98×). XIRR: -0.34%. 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 - IDCW ranks #19 out of 19 funds in the Retirement Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 8.42%; this fund delivered -0.90%.

The worst peak-to-trough decline Franklin India Retirement Fund - Direct - IDCW has experienced over the last 5-year window is 17.32% — its NAV fell from a high on 16 Dec 2024 to a low on 30 Mar 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 Retirement Fund - Direct - IDCW averaged 1.44% (best 7.53%, worst -2.17%). 67% of rolling windows ended positive. The 5-year Sharpe ratio is -0.71 — negative risk-adjusted performance.

In calendar year 2025, Franklin India Retirement Fund - Direct - IDCW returned -3.74% — lagging the Retirement Fund category average of 4.83% by 8.57 pp. It ranked #22 of 23 in its category that year.

Franklin India Retirement Fund - Direct - 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 Retirement Fund - Direct - 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: 17.3%. 5-year CAGR: -0.90%.

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