Should I invest in Templeton India Income Builder Account?

We don't give personal investment advice. Templeton India Income Builder Account-Growth 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: 0.9%. 5-year CAGR: 6.02%.

Franklin Templeton

Templeton India Income Builder Account-Growth

Latest NAV

₹104.5181

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	20 / 33	Q3
1W	+0.17%	-2.82%	+2.98	21 / 34	Q3
2W	+0.21%	-2.65%	+2.86	22 / 34	Q3
1M	+0.15%	-2.64%	+2.79	14 / 34	Q2
3M	+0.77%	-3.25%	+4.02	7 / 34	Q1
6M	+1.98%	-3.40%	+5.38	4 / 32	Q1
YTD	+1.61%	-3.19%	+4.79	4 / 32	Q1
1Y	+4.75%	-2.67%	+7.43	4 / 32	Q1
2Y	+7.63%	-1.54%	+9.17	2 / 30	Q1
3Y	+7.20%	-1.77%	+8.97	2 / 30	Q1
4Y	+6.96%	-1.99%	+8.95	4 / 29	Q1
5Y	+6.02%	-2.79%	+8.81	5 / 26	Q1
7Y	+6.62%	-2.84%	+9.45	4 / 24	Q1
10Y	+7.18%	+1.48%	+5.70	3 / 22	Q1
Inception	+7.58%	-0.76%	+8.34	3 / 34	Q1

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	+1.61%	-0.76%	+2.36	1 / 21
2025	+9.01%	+2.87%	+6.13	1 / 21
2024	+7.59%	+2.38%	+5.21	5 / 21
2023	+6.55%	+1.19%	+5.35	4 / 21
2022	+3.17%	-0.52%	+3.69	4 / 22
2021	+3.72%	-0.19%	+3.91	5 / 22
2020	+8.92%	+3.13%	+5.79	5 / 24
2019	+9.25%	+2.92%	+6.33	5 / 25
2018	+7.37%	+1.55%	+5.82	1 / 25
2017	+7.54%	+1.65%	+5.89	1 / 25
2016	+8.90%	+3.80%	+5.10	6 / 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

+7.77%

234 windows

min 1.6% · max 14.3%

100% positive

3-Year rolling

+7.83%

210 windows

min 4.4% · max 11.2%

100% positive

5-Year rolling

+7.99%

185 windows

min 5.6% · max 10.4%

100% positive

7-Year rolling

+8.18%

161 windows

min 6.5% · max 9.8%

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

1.40%

3-year · annualised

Sharpe ratio

0.35

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.62%

Mar 2026 → Apr 2026

% positive months

94.4%

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-Dividend	Franklin Templeton	₹16.6818	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	₹104.5181
2 Jun 2026	₹104.5011
1 Jun 2026	₹104.5025
29 May 2026	₹104.3986
27 May 2026	₹104.3453
26 May 2026	₹104.3770
25 May 2026	₹104.3259
22 May 2026	₹104.2505
21 May 2026	₹104.1810
20 May 2026	₹104.2996

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-Growth is ₹104.5181. 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-Growth 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-Growth 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-Growth has delivered a absolute return of 4.75% — +7.43 pp ahead of the Corporate Bond Fund category average of -2.67%. The fund ranks #4 of 32 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Templeton India Income Builder Account-Growth has delivered a CAGR of 7.20% — +8.97 pp ahead of the Corporate Bond Fund category average of -1.77%. The fund ranks #2 of 30 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Templeton India Income Builder Account-Growth has delivered a CAGR of 6.02% — +8.81 pp ahead of the Corporate Bond Fund category average of -2.79%. The fund ranks #5 of 26 in its category — the top (Q1) quartile.

₹1 lakh invested in Templeton India Income Builder Account-Growth exactly 10 years ago would be worth approximately ₹200,042 today — a multiplier of 2.00×, based on the 10-year CAGR of 7.18%. 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-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹712,443 today. That's an XIRR (money-weighted annualised return) of 6.80%.

A ₹10,000 monthly SIP for 10 years in Templeton India Income Builder Account-Growth = ₹1,200,000 invested. It would currently be worth ₹1,693,729 (multiplier 1.41×). XIRR: 6.70%. 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-Growth ranks #5 out of 26 funds in the Corporate Bond Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -2.79%; this fund delivered 6.02%.

The worst peak-to-trough decline Templeton India Income Builder Account-Growth has experienced over the last 5-year window is 0.89% — its NAV fell from a high on 07 Apr 2022 to a low on 09 May 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, Templeton India Income Builder Account-Growth averaged 7.99% (best 10.36%, worst 5.62%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.45 — negative risk-adjusted performance.

In calendar year 2025, Templeton India Income Builder Account-Growth returned 9.01% — beating the Corporate Bond Fund category average of 2.87% by 6.13 pp. It ranked #1 of 21 in its category that year.

Templeton India Income Builder Account-Growth 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-Growth 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: 0.9%. 5-year CAGR: 6.02%.

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

Templeton India Income Builder Account-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Corporate Bond Fund

Recent NAVs

Frequently asked questions

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