Should I invest in Templeton India Pension Plan?

We don't give personal investment advice. Templeton India Pension Plan-Dividend is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 17.3%. 5-year CAGR: -1.71%.

Franklin Templeton

Templeton India Pension Plan-Dividend

Latest NAV

₹16.2297

As of

3 Jun 2026

4,955 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	-0.05%	+0.10%	-0.14	9 / 9	Q4
1W	-0.61%	-0.70%	+0.09	6 / 9	Q3
2W	+0.02%	+0.13%	-0.11	6 / 9	Q3
1M	-0.98%	-0.71%	-0.26	6 / 9	Q3
3M	-1.38%	-0.54%	-0.85	5 / 9	Q3
6M	-10.92%	-3.43%	-7.49	8 / 9	Q4
YTD	-3.62%	-2.88%	-0.74	7 / 9	Q4
1Y	-9.11%	+0.26%	-9.37	9 / 9	Q4
2Y	-5.27%	+2.69%	-7.96	8 / 9	Q4
3Y	-0.25%	+9.44%	-9.69	9 / 9	Q4
4Y	-0.10%	+9.33%	-9.44	9 / 9	Q4
5Y	-1.71%	+8.28%	-9.99	9 / 9	Q4
7Y	-0.99%	+8.09%	-9.08	9 / 9	Q4
10Y	-0.90%	+5.72%	-6.62	5 / 5	Q4
Inception	-0.30%	+8.03%	-8.34	9 / 9	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	-3.62%	-2.88%	-0.74	7 / 9
2025	-3.94%	+4.73%	-8.67	8 / 9
2024	+3.34%	+12.35%	-9.01	9 / 9
2023	+6.11%	+17.85%	-11.75	8 / 9
2022	-5.32%	+1.57%	-6.90	9 / 9
2021	+0.55%	+16.36%	-15.81	9 / 9
2020	+0.90%	+7.53%	-6.64	8 / 9
2019	-0.29%	+4.07%	-4.36	4 / 5
2018	-7.11%	-1.95%	-5.16	4 / 5
2017	+3.00%	+14.67%	-11.67	5 / 5
2016	+2.00%	+5.67%	-3.67	4 / 5

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

+0.43%

234 windows

min -31.4% · max 33.1%

45% positive

3-Year rolling

+0.44%

210 windows

min -9.3% · max 11.4%

47% positive

5-Year rolling

+0.61%

185 windows

min -6.6% · max 6.6%

55% positive

7-Year rolling

+0.88%

161 windows

min -3.8% · max 5.5%

57% 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

8.99%

3-year · annualised

Sharpe ratio

-0.70

vs risk-free 6.5%

Sortino ratio

-0.83

Downside-only deviation

Max drawdown

-17.30%

Sep 2024 → Mar 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 Retirement Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - IDCW Option	Nippon India	₹19.7455	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - IDCW Option	ICICI Prudential	₹27.1600	3 Jun 2026
Templeton India Pension Plan-Growth	Franklin Templeton	₹213.7546	3 Jun 2026
UTI - Retirement Benefit Pension Fund	UTI	₹49.2493	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹16.2297
2 Jun 2026	₹16.2374
1 Jun 2026	₹16.2301
29 May 2026	₹16.2746
27 May 2026	₹16.3292
26 May 2026	₹16.3163
25 May 2026	₹16.3342
22 May 2026	₹16.2419
21 May 2026	₹16.2196
20 May 2026	₹16.2266

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 Pension Plan-Dividend is ₹16.2297. It's a Retirement Fund from Franklin Templeton, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Templeton India Pension Plan-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 Pension Plan-Dividend is managed by Franklin Templeton. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Templeton India Pension Plan-Dividend has delivered a absolute return of -9.11% — -9.37 pp behind the Retirement Fund category average of 0.26%. The fund ranks #9 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Templeton India Pension Plan-Dividend has delivered a CAGR of -0.25% — -9.69 pp behind the Retirement Fund category average of 9.44%. The fund ranks #9 of 9 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Templeton India Pension Plan-Dividend has delivered a CAGR of -1.71% — -9.99 pp behind the Retirement Fund category average of 8.28%. The fund ranks #9 of 9 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Templeton India Pension Plan-Dividend exactly 10 years ago would be worth approximately ₹91,370 today — a multiplier of 0.91×, based on the 10-year CAGR of -0.90%. The category average over the same window would have grown ₹1 lakh to ₹174,374.

A ₹10,000 monthly SIP in Templeton India Pension Plan-Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹563,608 today. That's an XIRR (money-weighted annualised return) of -2.46%.

A ₹10,000 monthly SIP for 10 years in Templeton India Pension Plan-Dividend = ₹1,200,000 invested. It would currently be worth ₹1,120,169 (multiplier 0.93×). XIRR: -1.37%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Templeton India Pension Plan-Dividend ranks #9 out of 9 funds in the Retirement Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 8.28%; this fund delivered -1.71%.

The worst peak-to-trough decline Templeton India Pension Plan-Dividend has experienced over the last 5-year window is 17.30% — its NAV fell from a high on 26 Sep 2024 to a low on 30 Mar 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 Pension Plan-Dividend averaged 0.61% (best 6.57%, worst -6.56%). 55% of rolling windows ended positive. The 5-year Sharpe ratio is -0.80 — negative risk-adjusted performance.

In calendar year 2025, Templeton India Pension Plan-Dividend returned -3.94% — lagging the Retirement Fund category average of 4.73% by 8.67 pp. It ranked #8 of 9 in its category that year.

Templeton India Pension Plan-Dividend doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Templeton India Pension Plan-Dividend is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 17.3%. 5-year CAGR: -1.71%.

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