Should I invest in Templeton India Income Builder Account-Monthly?

We don't give personal investment advice. Templeton India Income Builder Account-Monthly 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: 7.9%. 5-year CAGR: -1.12%.

Franklin Templeton

Templeton India Income Builder Account-Monthly

Latest NAV

₹15.1080

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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	18 / 33	Q3
1W	+0.17%	-2.82%	+2.98	20 / 34	Q3
2W	-0.35%	-2.65%	+2.29	32 / 34	Q4
1M	-0.41%	-2.64%	+2.23	30 / 34	Q4
3M	-0.97%	-3.25%	+2.28	27 / 34	Q4
6M	-1.54%	-3.40%	+1.86	23 / 32	Q3
YTD	-1.32%	-3.19%	+1.86	26 / 32	Q4
1Y	-2.38%	-2.67%	+0.29	24 / 32	Q3
2Y	+0.66%	-1.54%	+2.20	11 / 30	Q2
3Y	+0.50%	-1.77%	+2.27	11 / 30	Q2
4Y	+0.01%	-1.99%	+1.99	21 / 29	Q3
5Y	-1.12%	-2.79%	+1.67	21 / 26	Q4
7Y	-0.72%	-2.84%	+2.11	21 / 24	Q4
10Y	-0.32%	+1.48%	-1.80	18 / 22	Q4
Inception	+0.32%	-0.76%	+1.08	18 / 34	Q3

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	-1.32%	-0.76%	-0.57	16 / 21
2025	+1.84%	+2.87%	-1.03	9 / 21
2024	+1.27%	+2.38%	-1.11	8 / 21
2023	-0.19%	+1.19%	-1.38	15 / 21
2022	-4.69%	-0.52%	-4.17	20 / 22
2021	-4.17%	-0.19%	-3.98	20 / 22
2020	+1.11%	+3.13%	-2.02	12 / 24
2019	+1.36%	+2.92%	-1.56	12 / 25
2018	-0.49%	+1.55%	-2.05	21 / 25
2017	-0.21%	+1.65%	-1.87	17 / 25
2016	+0.91%	+3.80%	-2.89	15 / 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

+0.61%

234 windows

min -8.6% · max 13.0%

56% positive

3-Year rolling

+0.90%

210 windows

min -5.8% · max 9.6%

64% positive

5-Year rolling

+1.30%

185 windows

min -3.1% · max 6.7%

63% positive

7-Year rolling

+1.45%

161 windows

min -1.1% · max 4.8%

66% 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

1.43%

3-year · annualised

Sharpe ratio

-4.19

vs risk-free 6.5%

Sortino ratio

-6.99

Downside-only deviation

Max drawdown

-2.90%

May 2025 → May 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 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	₹15.1080
2 Jun 2026	₹15.1055
1 Jun 2026	₹15.1057
29 May 2026	₹15.0907
27 May 2026	₹15.0830
26 May 2026	₹15.0876
25 May 2026	₹15.0802
22 May 2026	₹15.1542
21 May 2026	₹15.1441
20 May 2026	₹15.1614

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-Monthly is ₹15.1080. 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-Monthly 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-Monthly 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-Monthly has delivered a absolute return of -2.38% — +0.29 pp ahead of the Corporate Bond Fund category average of -2.67%. The fund ranks #24 of 32 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Templeton India Income Builder Account-Monthly has delivered a CAGR of 0.50% — +2.27 pp ahead of the Corporate Bond Fund category average of -1.77%. The fund ranks #11 of 30 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Templeton India Income Builder Account-Monthly has delivered a CAGR of -1.12% — +1.67 pp ahead of the Corporate Bond Fund category average of -2.79%. The fund ranks #21 of 26 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Templeton India Income Builder Account-Monthly exactly 10 years ago would be worth approximately ₹96,805 today — a multiplier of 0.97×, based on the 10-year CAGR of -0.32%. 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-Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹598,178 today. That's an XIRR (money-weighted annualised return) of -0.12%.

A ₹10,000 monthly SIP for 10 years in Templeton India Income Builder Account-Monthly = ₹1,200,000 invested. It would currently be worth ₹1,165,990 (multiplier 0.97×). XIRR: -0.57%. 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-Monthly ranks #21 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 -1.12%.

The worst peak-to-trough decline Templeton India Income Builder Account-Monthly has experienced over the last 5-year window is 7.90% — its NAV fell from a high on 14 Jun 2021 to a low on 22 Feb 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-Monthly averaged 1.30% (best 6.71%, worst -3.12%). 63% of rolling windows ended positive. The 5-year Sharpe ratio is -5.15 — negative risk-adjusted performance.

In calendar year 2025, Templeton India Income Builder Account-Monthly returned 1.84% — lagging the Corporate Bond Fund category average of 2.87% by 1.03 pp. It ranked #9 of 21 in its category that year.

Templeton India Income Builder Account-Monthly 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-Monthly 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: 7.9%. 5-year CAGR: -1.12%.

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