Should I invest in Templeton India Income Builder Account?

We don't give personal investment advice. Templeton India Income Builder Account-Dividend 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: 10.2%. 5-year CAGR: -0.94%.

Franklin Templeton

Templeton India Income Builder Account-Dividend

Latest NAV

₹16.6818

As of

3 Jun 2026

4,867 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	+0.02%	-0.01%	+0.02	21 / 33	Q3
1W	+0.17%	-2.82%	+2.98	19 / 34	Q3
2W	+0.21%	-2.65%	+2.86	21 / 34	Q3
1M	+0.15%	-2.64%	+2.79	12 / 34	Q2
3M	-5.78%	-3.25%	-2.53	32 / 34	Q4
6M	-4.65%	-3.40%	-1.25	30 / 32	Q4
YTD	-5.00%	-3.19%	-1.82	30 / 32	Q4
1Y	-2.06%	-2.67%	+0.61	22 / 32	Q3
2Y	+0.88%	-1.54%	+2.42	9 / 30	Q2
3Y	+0.55%	-1.77%	+2.32	10 / 30	Q2
4Y	+0.05%	-1.99%	+2.04	17 / 29	Q3
5Y	-0.94%	-2.79%	+1.86	19 / 26	Q3
7Y	-0.58%	-2.84%	+2.25	19 / 24	Q4
10Y	-0.18%	+1.48%	-1.66	17 / 22	Q4
Inception	+2.47%	-0.76%	+3.23	12 / 34	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
2026 YTD	-5.00%	-0.76%	-4.25	20 / 21
2025	+2.43%	+2.87%	-0.44	7 / 21
2024	+1.03%	+2.38%	-1.36	10 / 21
2023	-1.12%	+1.19%	-2.31	19 / 21
2022	-4.03%	-0.52%	-3.51	19 / 22
2021	-3.33%	-0.19%	-3.14	19 / 22
2020	+0.58%	+3.13%	-2.55	15 / 24
2019	+1.29%	+2.92%	-1.64	13 / 25
2018	-0.47%	+1.55%	-2.03	19 / 25
2017	+0.23%	+1.65%	-1.42	10 / 25
2016	+2.73%	+3.80%	-1.07	9 / 23

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

+2.79%

234 windows

min -7.1% · max 14.3%

68% positive

3-Year rolling

+2.89%

210 windows

min -2.9% · max 11.2%

76% positive

5-Year rolling

+3.23%

185 windows

min -1.7% · max 9.7%

70% positive

7-Year rolling

+3.42%

161 windows

min -1.0% · max 8.2%

68% 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

6.20%

3-year · annualised

Sharpe ratio

-0.93

vs risk-free 6.5%

Sortino ratio

-1.00

Downside-only deviation

Max drawdown

-7.09%

Mar 2026 → Apr 2026

% positive months

88.9%

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 Corporate Bond Fund

Scheme	Fund house	NAV	As of
HDFC Corporate Bond Fund - IDCW Option	HDFC	₹20.3364	3 Jun 2026
NIPPON INDIA CORPORATE BOND FUND - IDCW Option	Nippon India	₹19.9635	3 Jun 2026
ICICI Prudential Corporate Bond Fund -Quarterly IDCW	ICICI Prudential	₹11.1946	3 Jun 2026
Templeton India Income Builder Account-Growth	Franklin Templeton	₹104.5181	3 Jun 2026
BARODA BNP PARIBAS Corporate Bond Fund - Defunct Plan - Annual-IDCW Option	Baroda BNP Paribas	₹11.9666	3 Jun 2026
PGIM India Corporate Bond Fund - Annual Dividend	PGIM India	₹10.0824	3 Jun 2026
Birla Sun Life Income Fund-Plan B(Growth)	Birla Sun Life	₹116.7625	3 Jun 2026
Reliance Medium Term Fund- Daily Dividend Plan	Reliance	₹17.0749	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹16.6818
2 Jun 2026	₹16.6791
1 Jun 2026	₹16.6793
29 May 2026	₹16.6627
27 May 2026	₹16.6542
26 May 2026	₹16.6592
25 May 2026	₹16.6511
22 May 2026	₹16.6391
21 May 2026	₹16.6280
20 May 2026	₹16.6469

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 Templeton India Income Builder Account-Dividend is ₹16.6818. It's a Corporate Bond Fund from Franklin Templeton, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Templeton India Income Builder Account-Dividend has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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.

Templeton India Income Builder Account-Dividend is managed by Franklin Templeton. It's classified by AMFI under the 'Corporate Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Templeton India Income Builder Account-Dividend has delivered a absolute return of -2.06% — +0.61 pp ahead of the Corporate Bond Fund category average of -2.67%. The fund ranks #22 of 32 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Templeton India Income Builder Account-Dividend has delivered a CAGR of 0.55% — +2.32 pp ahead of the Corporate Bond Fund category average of -1.77%. The fund ranks #10 of 30 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Templeton India Income Builder Account-Dividend has delivered a CAGR of -0.94% — +1.86 pp ahead of the Corporate Bond Fund category average of -2.79%. The fund ranks #19 of 26 in its category — the third (Q3) quartile.

₹1 lakh invested in Templeton India Income Builder Account-Dividend exactly 10 years ago would be worth approximately ₹98,226 today — a multiplier of 0.98×, based on the 10-year CAGR of -0.18%. The category average over the same window would have grown ₹1 lakh to ₹115,824.

A ₹10,000 monthly SIP in Templeton India Income Builder Account-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹588,173 today. That's an XIRR (money-weighted annualised return) of -0.78%.

A ₹10,000 monthly SIP for 10 years in Templeton India Income Builder Account-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,150,337 (multiplier 0.96×). XIRR: -0.84%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Templeton India Income Builder Account-Dividend ranks #19 out of 26 funds in the Corporate Bond Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -2.79%; this fund delivered -0.94%.

The worst peak-to-trough decline Templeton India Income Builder Account-Dividend has experienced over the last 5-year window is 10.24% — its NAV fell from a high on 17 Mar 2022 to a low on 28 Mar 2023. 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, Templeton India Income Builder Account-Dividend averaged 3.23% (best 9.70%, worst -1.72%). 70% of rolling windows ended positive. The 5-year Sharpe ratio is -1.13 — negative risk-adjusted performance.

In calendar year 2025, Templeton India Income Builder Account-Dividend returned 2.43% — lagging the Corporate Bond Fund category average of 2.87% by 0.44 pp. It ranked #7 of 21 in its category that year.

Templeton India Income Builder Account-Dividend 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. Templeton India Income Builder Account-Dividend 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: 10.2%. 5-year CAGR: -0.94%.

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