Should I invest in Templeton India Income Fund?

We don't give personal investment advice. Templeton India Income Fund-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: 7.6%. 5-year CAGR: 9.96%.

Franklin Templeton

Templeton India Income Fund-Growth

Latest NAV

₹94.7880

As of

7 Aug 2022

3,945 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	+0.90%	+0.08%	+0.81	2 / 28	Q1
1W	+1.10%	-6.43%	+7.54	3 / 30	Q1
2W	+1.20%	-3.01%	+4.21	3 / 29	Q1
1M	+1.42%	-3.07%	+4.49	4 / 29	Q1
3M	+2.36%	-3.18%	+5.53	6 / 29	Q1
6M	+22.42%	-1.05%	+23.46	2 / 29	Q1
YTD	+21.51%	-1.27%	+22.78	2 / 29	Q1
1Y	+31.90%	-0.20%	+32.10	2 / 29	Q1
2Y	+19.99%	+4.93%	+15.06	2 / 28	Q1
3Y	+11.69%	+4.61%	+7.08	2 / 28	Q1
4Y	+10.97%	+4.83%	+6.13	1 / 28	Q1
5Y	+9.96%	+3.92%	+6.04	1 / 27	Q1
7Y	+10.03%	+3.77%	+6.25	1 / 26	Q1
10Y	+9.75%	+3.84%	+5.91	1 / 25	Q1
Inception	+8.62%	+4.05%	+4.57	3 / 28	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
2022 YTD	+21.51%	+3.05%	+18.46	2 / 22
2021	+14.49%	+2.73%	+11.76	1 / 24
2020	-1.79%	+4.46%	-6.25	24 / 27
2019	+6.35%	+4.44%	+1.92	10 / 27
2018	+8.30%	+3.44%	+4.86	1 / 27
2017	+8.44%	-0.70%	+9.14	1 / 28
2016	+10.00%	+8.38%	+1.62	11 / 28
2015	+10.25%	+4.66%	+5.59	1 / 10
2014	+12.61%	+6.69%	+5.92	3 / 9
2013	+3.90%	+2.58%	+1.32	4 / 8
2012	+9.78%	+4.65%	+5.13	1 / 8

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

+8.20%

188 windows

min -5.4% · max 31.9%

95% positive

3-Year rolling

+7.71%

163 windows

min 2.9% · max 11.7%

100% positive

5-Year rolling

+7.93%

139 windows

min 5.7% · max 10.3%

100% positive

7-Year rolling

+8.10%

115 windows

min 6.6% · max 10.2%

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

12.75%

3-year · annualised

Sharpe ratio

0.42

vs risk-free 6.5%

Sortino ratio

1.95

Downside-only deviation

Max drawdown

-7.58%

Jan 2020 → Aug 2020

% positive months

69.4%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Normal IDCW Option	HDFC	₹19.4058	3 Jun 2026
NIPPON INDIA DYNAMIC BOND FUND - QUARTERLY IDCW Option	Nippon India	₹10.2473	3 Jun 2026
SBI MAGNUM NRI LONG TERM BOND PLAN-DIVIDEND	SBI	₹19.2863	3 Jun 2026
ICICI Prudential All Seasons Bond Fund - Annual IDCW	ICICI Prudential	₹11.2400	3 Jun 2026
Franklin India Dynamic Accrual Fund- Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - IDCW	Franklin India	₹0.0000	3 Jun 2026
PGIM India Dynamic Bond Fund - Dividend Option - Quarterly	PGIM India	₹1,051.3579	3 Jun 2026
Birla Sun Life Dynamic Bond Fund-Discipline Advantage Plan-Growth	Birla Sun Life	₹33.1008	3 Jun 2026
IDFC Dynamic Bond Fund -PLAN B DIVIDEND	IDFC	₹13.2827	3 Jun 2026
Reliance NRI Income Fund-Dividend Plan-Dividend Option	Reliance	₹25.8725	3 Jun 2026
Union Dynamic Bond Fund - IDCW Option	Union	₹15.3281	3 Jun 2026

Recent NAVs

Date	NAV
7 Aug 2022	₹94.7880
5 Aug 2022	₹93.9466
4 Aug 2022	₹93.7951
3 Aug 2022	₹93.7761
2 Aug 2022	₹93.7647
1 Aug 2022	₹93.7534
29 Jul 2022	₹93.7164
28 Jul 2022	₹93.7038
27 Jul 2022	₹93.6909
26 Jul 2022	₹93.6781

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 07 Aug 2022, the NAV of Templeton India Income Fund-Growth is ₹94.7880. It's a Dynamic 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 Fund-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 Fund-Growth is managed by Franklin Templeton. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Templeton India Income Fund-Growth has delivered a absolute return of 31.90% — +32.1 pp ahead of the Dynamic Bond Fund category average of -0.20%. The fund ranks #2 of 29 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Templeton India Income Fund-Growth has delivered a CAGR of 11.69% — +7.08 pp ahead of the Dynamic Bond Fund category average of 4.61%. The fund ranks #2 of 28 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Templeton India Income Fund-Growth has delivered a CAGR of 9.96% — +6.04 pp ahead of the Dynamic Bond Fund category average of 3.92%. The fund ranks #1 of 27 in its category — the top (Q1) quartile.

₹1 lakh invested in Templeton India Income Fund-Growth exactly 10 years ago would be worth approximately ₹253,528 today — a multiplier of 2.54×, based on the 10-year CAGR of 9.75%. The category average over the same window would have grown ₹1 lakh to ₹145,778.

A ₹10,000 monthly SIP in Templeton India Income Fund-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹837,826 today. That's an XIRR (money-weighted annualised return) of 13.31%.

A ₹10,000 monthly SIP for 10 years in Templeton India Income Fund-Growth = ₹1,200,000 invested. It would currently be worth ₹2,084,232 (multiplier 1.74×). XIRR: 10.64%. 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 Fund-Growth ranks #1 out of 27 funds in the Dynamic Bond Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.92%; this fund delivered 9.96%.

The worst peak-to-trough decline Templeton India Income Fund-Growth has experienced over the last 5-year window is 7.58% — its NAV fell from a high on 15 Jan 2020 to a low on 31 Aug 2020. 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 Fund-Growth averaged 7.93% (best 10.34%, worst 5.72%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.35 — weak risk-adjusted performance.

In calendar year 2021, Templeton India Income Fund-Growth returned 14.49% — beating the Dynamic Bond Fund category average of 2.73% by 11.76 pp. It ranked #1 of 24 in its category that year.

Templeton India Income Fund-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 Fund-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: 7.6%. 5-year CAGR: 9.96%.

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

Templeton India Income Fund-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Dynamic Bond Fund

Recent NAVs

Frequently asked questions

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