Should I invest in Templeton India Short-Term Income Plan?

We don't give personal investment advice. Templeton India Short-Term Income Plan-Institutional Plan - 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: 6.3%. 5-year CAGR: 32.39%.

Franklin Templeton

Templeton India Short-Term Income Plan-Institutional Plan - Growth

Latest NAV

₹12,430.0000

As of

2 May 2025

4,603 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	+0.00%	-6.69%	+6.69	12 / 15	Q4
1W	+173.99%	+5.12%	+168.87	1 / 15	Q1
2W	+173.99%	+5.30%	+168.69	1 / 15	Q1
1M	+192.03%	+6.64%	+185.38	1 / 15	Q1
3M	+192.03%	+6.86%	+185.16	1 / 15	Q1
6M	+192.03%	+7.80%	+184.22	1 / 15	Q1
YTD	+192.03%	+7.91%	+184.12	1 / 15	Q1
1Y	+192.03%	+9.10%	+182.92	1 / 15	Q1
2Y	+73.47%	+2.01%	+71.47	1 / 15	Q1
3Y	+47.25%	+0.26%	+46.99	1 / 15	Q1
4Y	+38.57%	-0.19%	+38.76	1 / 15	Q1
5Y	+32.39%	-0.84%	+33.24	1 / 15	Q1
7Y	+22.38%	-1.39%	+23.77	1 / 15	Q1
10Y	+18.11%	-2.05%	+20.16	1 / 15	Q1
Inception	+13.99%	-3.41%	+17.40	1 / 13	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
2025 YTD	+192.03%	+27.18%	+164.85	1 / 9
2024	+0.00%	+6.02%	-6.02	8 / 9
2023	+6.74%	+5.91%	+0.83	3 / 9
2022	+8.59%	+3.42%	+5.18	1 / 9
2021	+14.84%	+4.48%	+10.36	1 / 9
2020	-5.31%	+5.70%	-11.01	13 / 13
2019	+4.60%	+1.27%	+3.34	4 / 14
2018	+9.10%	-4.01%	+13.12	1 / 15
2017	+8.97%	+2.34%	+6.63	1 / 15
2016	+8.69%	+4.68%	+4.02	6 / 15
2015	+9.38%	+3.76%	+5.62	1 / 7

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

+8.96%

221 windows

min -11.0% · max 192.0%

91% positive

3-Year rolling

+8.51%

196 windows

min 0.9% · max 47.2%

100% positive

5-Year rolling

+8.24%

172 windows

min 4.2% · max 32.4%

100% positive

7-Year rolling

+8.40%

148 windows

min 5.0% · max 22.4%

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

109.18%

3-year · annualised

Sharpe ratio

0.55

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.27%

Aug 2022 → Sep 2022

% positive months

41.7%

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 Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Fortnightly IDCW - Direct Plan	HDFC	₹10.3067	3 Jun 2026
NIPPON INDIA SHORT DURATION FUND - Direct Plan - IDCW Option	Nippon India	₹24.4258	3 Jun 2026
SBI SHORT HORIZON DEBT FUND-SHORT TERM FUND INSTITUTIONAL DIVIDEND FORTNIGHTLY	SBI	₹15.1445	3 Jun 2026
ICICI Prudential Short Term Fund - Direct Plan - Monthly IDCW	ICICI Prudential	₹12.6802	3 Jun 2026
Invesco India Short Duration Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,023.1248	3 Jun 2026
Bandhan Short Duration Fund - Direct Plan - Annual IDCW	Bandhan	₹10.8737	3 Jun 2026
Aditya Birla Sun Life Short Term Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹10.8440	3 Jun 2026
Franklin India Short term Income Plan- Retail Plan-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct Monthly - IDCW	Franklin India	₹0.0000	3 Jun 2026
Mirae Asset Short Duration Fund - Direct Plan - IDCW	Mirae Asset	₹17.3593	3 Jun 2026
Kotak Bond Short Term Plan - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹15.9032	3 Jun 2026

Recent NAVs

Date	NAV
2 May 2025	₹12,430.0000
30 Apr 2025	₹12,430.0000
29 Apr 2025	₹12,216.6667
28 Apr 2025	₹12,216.6667
25 Apr 2025	₹4,536.6667
24 Apr 2025	₹4,536.6667
23 Apr 2025	₹4,536.6667
22 Apr 2025	₹4,536.6667
21 Apr 2025	₹4,536.6667
17 Apr 2025	₹4,536.6667

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 02 May 2025, the NAV of Templeton India Short-Term Income Plan-Institutional Plan - Growth is ₹12,430.0000. It's a Short Duration Fund from Franklin Templeton, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Templeton India Short-Term Income Plan-Institutional Plan - 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 Short-Term Income Plan-Institutional Plan - Growth is managed by Franklin Templeton. It's classified by AMFI under the 'Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Templeton India Short-Term Income Plan-Institutional Plan - Growth has delivered a absolute return of 192.03% — +182.92 pp ahead of the Short Duration Fund category average of 9.10%. The fund ranks #1 of 15 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Templeton India Short-Term Income Plan-Institutional Plan - Growth has delivered a CAGR of 47.25% — +46.99 pp ahead of the Short Duration Fund category average of 0.26%. The fund ranks #1 of 15 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Templeton India Short-Term Income Plan-Institutional Plan - Growth has delivered a CAGR of 32.39% — +33.24 pp ahead of the Short Duration Fund category average of -0.84%. The fund ranks #1 of 15 in its category — the top (Q1) quartile.

₹1 lakh invested in Templeton India Short-Term Income Plan-Institutional Plan - Growth exactly 10 years ago would be worth approximately ₹528,480 today — a multiplier of 5.28×, based on the 10-year CAGR of 18.11%. The category average over the same window would have grown ₹1 lakh to ₹81,309.

A ₹10,000 monthly SIP in Templeton India Short-Term Income Plan-Institutional Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹1,979,785 today. That's an XIRR (money-weighted annualised return) of 49.89%.

A ₹10,000 monthly SIP for 10 years in Templeton India Short-Term Income Plan-Institutional Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹4,590,042 (multiplier 3.83×). XIRR: 25.30%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Templeton India Short-Term Income Plan-Institutional Plan - Growth ranks #1 out of 15 funds in the Short Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -0.84%; this fund delivered 32.39%.

The worst peak-to-trough decline Templeton India Short-Term Income Plan-Institutional Plan - Growth has experienced over the last 5-year window is 6.28% — its NAV fell from a high on 29 Jun 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 Short-Term Income Plan-Institutional Plan - Growth averaged 8.24% (best 32.39%, worst 4.22%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2024, Templeton India Short-Term Income Plan-Institutional Plan - Growth returned 0.00% — lagging the Short Duration Fund category average of 6.02% by 6.02 pp. It ranked #8 of 9 in its category that year.

Templeton India Short-Term Income Plan-Institutional Plan - 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 Short-Term Income Plan-Institutional Plan - 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: 6.3%. 5-year CAGR: 32.39%.

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

Templeton India Short-Term Income Plan-Institutional Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Short Duration Fund

Recent NAVs

Frequently asked questions

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