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: -1.27%.

Franklin India

Franklin India Retirement Fund - Direct - IDCW

Latest NAV

₹17.9390

As of

3 Jun 2026

3,301 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	-0.05%	+0.22%	-0.26	23 / 23	Q4
1W	-0.60%	-0.85%	+0.25	11 / 23	Q2
2W	+0.05%	+0.26%	-0.22	16 / 23	Q3
1M	-0.92%	-0.63%	-0.29	13 / 23	Q3
3M	-1.22%	-0.35%	-0.87	13 / 23	Q3
6M	-11.08%	-2.60%	-8.48	23 / 23	Q4
YTD	-3.34%	-2.50%	-0.84	15 / 23	Q3
1Y	-8.93%	+0.11%	-9.04	23 / 23	Q4
2Y	-5.04%	+3.18%	-8.22	23 / 23	Q4
3Y	-0.23%	+9.35%	-9.59	19 / 20	Q4
4Y	+0.09%	+9.49%	-9.39	19 / 19	Q4
5Y	-1.27%	+8.43%	-9.70	19 / 19	Q4
7Y	-0.32%	+8.21%	-8.53	12 / 12	Q4
10Y	-0.14%	+6.32%	-6.46	4 / 4	Q4
Inception	+1.83%	+9.54%	-7.71	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	-3.34%	-2.50%	-0.84	15 / 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

+2.65%

152 windows

min -11.8% · max 33.9%

57% positive

3-Year rolling

+1.95%

128 windows

min -5.1% · max 12.2%

77% positive

5-Year rolling

+1.33%

103 windows

min -2.7% · max 6.7%

66% positive

7-Year rolling

+1.18%

79 windows

min -0.6% · max 4.3%

81% 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

9.46%

3-year · annualised

Sharpe ratio

-0.65

vs risk-free 6.5%

Sortino ratio

-0.77

Downside-only deviation

Max drawdown

-17.32%

Dec 2024 → Mar 2026

% positive months

58.3%

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	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹19.7224	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹30.3800	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹12.8060	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹19.1980	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
UTI Retirement Fund- Direct Plan	UTI	₹53.4109	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Plan - IDCW	Axis	₹19.3600	3 Jun 2026
Union Retirement Fund - Direct Plan - IDCW Option	Union	₹16.4900	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹17.9390
2 Jun 2026	₹17.9471
1 Jun 2026	₹17.9387
29 May 2026	₹17.9869
27 May 2026	₹18.0465
26 May 2026	₹18.0320
25 May 2026	₹18.0514
22 May 2026	₹17.9484
21 May 2026	₹17.9233
20 May 2026	₹17.9308

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 03 Jun 2026, the NAV of Franklin India Retirement Fund - Direct - IDCW is ₹17.9390. 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 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 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 -8.93% — -9.04 pp behind the Retirement Fund category average of 0.11%. The fund ranks #23 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 -0.23% — -9.59 pp behind the Retirement Fund category average of 9.35%. 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 -1.27% — -9.7 pp behind the Retirement Fund category average of 8.43%. 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 ₹98,656 today — a multiplier of 0.99×, based on the 10-year CAGR of -0.14%. The category average over the same window would have grown ₹1 lakh to ₹184,614.

A ₹10,000 monthly SIP in Franklin India Retirement Fund - Direct - IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹566,578 today. That's an XIRR (money-weighted annualised return) of -2.25%.

A ₹10,000 monthly SIP for 10 years in Franklin India Retirement Fund - Direct - IDCW = ₹1,200,000 invested. It would currently be worth ₹1,152,536 (multiplier 0.96×). XIRR: -0.80%. 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 8.43%; this fund delivered -1.27%.

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 1.33% (best 6.67%, worst -2.75%). 66% of rolling windows ended positive. The 5-year Sharpe ratio is -0.74 — 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: -1.27%.

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