Should I invest in Templeton India Income Builder Account-Half Yearly?

We don't give personal investment advice. Templeton India Income Builder Account-Half Yearly 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: 12.8%. 5-year CAGR: -2.18%.

Franklin Templeton

Templeton India Income Builder Account-Half Yearly

Latest NAV

₹12.4387

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	22 / 33	Q3
1W	+0.17%	-2.82%	+2.98	22 / 34	Q3
2W	+0.21%	-2.65%	+2.86	23 / 34	Q3
1M	+0.15%	-2.64%	+2.79	15 / 34	Q2
3M	-2.97%	-3.25%	+0.28	31 / 34	Q4
6M	-1.80%	-3.40%	+1.60	26 / 32	Q4
YTD	-2.16%	-3.19%	+1.02	28 / 32	Q4
1Y	-3.39%	-2.67%	-0.72	28 / 32	Q4
2Y	-0.65%	-1.54%	+0.89	26 / 30	Q4
3Y	-1.07%	-1.77%	+0.70	27 / 30	Q4
4Y	-1.33%	-1.99%	+0.66	27 / 29	Q4
5Y	-2.18%	-2.79%	+0.61	25 / 26	Q4
7Y	-1.59%	-2.84%	+1.25	22 / 24	Q4
10Y	-0.99%	+1.48%	-2.47	21 / 22	Q4
Inception	-0.59%	-0.76%	+0.17	30 / 34	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	-2.16%	-0.76%	-1.41	18 / 21
2025	+0.35%	+2.87%	-2.52	16 / 21
2024	-0.57%	+2.38%	-2.96	21 / 21
2023	-1.90%	+1.19%	-3.09	20 / 21
2022	-4.84%	-0.52%	-4.32	21 / 22
2021	-4.18%	-0.19%	-3.99	21 / 22
2020	+0.65%	+3.13%	-2.48	14 / 24
2019	+1.00%	+2.92%	-1.92	14 / 25
2018	-0.47%	+1.55%	-2.03	20 / 25
2017	-0.53%	+1.65%	-2.19	18 / 25
2016	+0.77%	+3.80%	-3.03	16 / 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

-0.44%

234 windows

min -8.1% · max 8.2%

45% positive

3-Year rolling

-0.32%

210 windows

min -5.8% · max 4.9%

44% positive

5-Year rolling

+0.03%

185 windows

min -3.7% · max 3.8%

52% positive

7-Year rolling

+0.30%

161 windows

min -1.6% · max 2.7%

56% 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

5.26%

3-year · annualised

Sharpe ratio

-1.41

vs risk-free 6.5%

Sortino ratio

-1.55

Downside-only deviation

Max drawdown

-5.82%

Sep 2023 → Apr 2026

% positive months

80.6%

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	₹12.4387
2 Jun 2026	₹12.4367
1 Jun 2026	₹12.4369
29 May 2026	₹12.4245
27 May 2026	₹12.4182
26 May 2026	₹12.4219
25 May 2026	₹12.4159
22 May 2026	₹12.4069
21 May 2026	₹12.3986
20 May 2026	₹12.4127

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-Half Yearly is ₹12.4387. 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-Half Yearly 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-Half Yearly 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-Half Yearly has delivered a absolute return of -3.39% — -0.72 pp behind the Corporate Bond Fund category average of -2.67%. The fund ranks #28 of 32 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Templeton India Income Builder Account-Half Yearly has delivered a CAGR of -1.07% — +0.7 pp ahead of the Corporate Bond Fund category average of -1.77%. The fund ranks #27 of 30 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Templeton India Income Builder Account-Half Yearly has delivered a CAGR of -2.18% — +0.61 pp ahead of the Corporate Bond Fund category average of -2.79%. The fund ranks #25 of 26 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Templeton India Income Builder Account-Half Yearly exactly 10 years ago would be worth approximately ₹90,533 today — a multiplier of 0.91×, based on the 10-year CAGR of -0.99%. 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-Half Yearly over the last 5 years — total invested ₹600,000 — would be worth ₹576,725 today. That's an XIRR (money-weighted annualised return) of -1.55%.

A ₹10,000 monthly SIP for 10 years in Templeton India Income Builder Account-Half Yearly = ₹1,200,000 invested. It would currently be worth ₹1,109,362 (multiplier 0.92×). XIRR: -1.57%. 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-Half Yearly ranks #25 out of 26 funds in the Corporate Bond Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -2.79%; this fund delivered -2.18%.

The worst peak-to-trough decline Templeton India Income Builder Account-Half Yearly has experienced over the last 5-year window is 12.83% — its NAV fell from a high on 17 Sep 2021 to a low on 02 Apr 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, Templeton India Income Builder Account-Half Yearly averaged 0.03% (best 3.84%, worst -3.75%). 52% of rolling windows ended positive. The 5-year Sharpe ratio is -1.61 — negative risk-adjusted performance.

In calendar year 2025, Templeton India Income Builder Account-Half Yearly returned 0.35% — lagging the Corporate Bond Fund category average of 2.87% by 2.52 pp. It ranked #16 of 21 in its category that year.

Templeton India Income Builder Account-Half Yearly 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-Half Yearly 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: 12.8%. 5-year CAGR: -2.18%.

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