Should I invest in Templeton India Ultra-short Bond Fund - Super Institutional?

We don't give personal investment advice. Templeton India Ultra-short Bond Fund - Super Institutional - Dividend 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: 4.5%. 5-year CAGR: 4.34%.

Franklin Templeton

Templeton India Ultra-short Bond Fund - Super Institutional - Dividend

Latest NAV

₹12.4788

As of

7 Aug 2022

3,525 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	+0.11%	-9.92%	+10.03	6 / 10	Q3
1W	+0.27%	-24.85%	+25.11	5 / 12	Q2
2W	+0.36%	-9.73%	+10.09	6 / 10	Q3
1M	+0.58%	-9.63%	+10.21	5 / 10	Q2
3M	+1.29%	-9.07%	+10.36	7 / 10	Q3
6M	+5.87%	-6.53%	+12.40	4 / 10	Q2
YTD	+6.86%	-6.10%	+12.97	5 / 10	Q2
1Y	+13.69%	-1.99%	+15.68	2 / 10	Q1
2Y	+10.97%	-3.17%	+14.14	1 / 10	Q1
3Y	+7.33%	-4.70%	+12.03	5 / 10	Q2
4Y	+5.53%	-5.24%	+10.77	5 / 10	Q2
5Y	+4.34%	-5.78%	+10.12	7 / 10	Q3
7Y	+3.10%	-6.14%	+9.23	6 / 10	Q3
10Y	+2.22%	+4.12%	-1.90	5 / 9	Q3
Inception	+1.52%	-6.34%	+7.86	6 / 10	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
2022 YTD	+6.86%	+4.78%	+2.08	5 / 9
2021	+11.83%	+7.29%	+4.54	1 / 9
2020	+3.58%	+3.33%	+0.25	5 / 9
2019	+0.01%	+3.76%	-3.75	5 / 9
2018	-0.06%	+3.39%	-3.45	9 / 9
2017	-0.11%	+3.19%	-3.30	9 / 9
2016	+0.18%	+3.96%	-3.78	5 / 9
2015	+0.21%	-13.46%	+13.67	3 / 6
2014	+0.18%	+3.29%	-3.11	3 / 6
2013	+0.20%	+3.30%	-3.10	3 / 6
2012	+0.06%	+3.36%	-3.30	4 / 6

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

+1.27%

167 windows

min -4.3% · max 15.3%

56% positive

3-Year rolling

+0.63%

142 windows

min -1.5% · max 7.3%

73% positive

5-Year rolling

+0.48%

118 windows

min -0.8% · max 4.3%

91% positive

7-Year rolling

+0.45%

94 windows

min -0.5% · max 3.1%

94% 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

3.52%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.31

Downside-only deviation

Max drawdown

-4.48%

Aug 2019 → Jan 2020

% 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 Ultra Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Ultra Short Term Fund - Daily IDCW Option	HDFC	₹10.1030	8 Jun 2026
NIPPON INDIA ULTRA SHORT DURATION FUND - DAILY IDCW OPTION	Nippon India	₹1,114.1500	8 Jun 2026
MAGNUM INSTA CASH FUND - DAILY DIVIDEND	SBI	₹2,376.2816	8 Jun 2026
ICICI Prudential Ultra Short Term Fund - Daily IDCW	ICICI Prudential	₹10.0696	8 Jun 2026
Invesco India Ultra Short Duration Fund - Direct Plan - Annual IDCW (Payout / Reinvestment)	Invesco	₹2,172.5799	8 Jun 2026
BANDHAN ULTRA SHORT DURATION FUND - DIRECT PLAN -MONTHLY IDCW	Bandhan	₹10.0757	8 Jun 2026
Aditya Birla Sun Life Savings Fund-DIRECT - DAILY IDCW	Aditya Birla Sun Life	₹100.1187	8 Jun 2026
Motilal Oswal Ultra Short Term Fund Direct - IDCW Daily Reinvestment	Motilal Oswal	₹11.7326	8 Jun 2026
Franklin India Ultra Short Duration Fund - Direct - IDCW	Franklin India	₹10.7741	8 Jun 2026
Mirae Asset Ultra Short Duration Fund Direct IDCW	Mirae Asset	₹1,401.7786	8 Jun 2026

Recent NAVs

Date	NAV
7 Aug 2022	₹12.4788
5 Aug 2022	₹12.4648
4 Aug 2022	₹12.4502
3 Aug 2022	₹12.4488
2 Aug 2022	₹12.4472
1 Aug 2022	₹12.4457
29 Jul 2022	₹12.4408
28 Jul 2022	₹12.4392
27 Jul 2022	₹12.4374
26 Jul 2022	₹12.4357

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 Ultra-short Bond Fund - Super Institutional - Dividend is ₹12.4788. It's a Ultra 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 Ultra-short Bond Fund - Super Institutional - Dividend has NAV history starting from 19 Dec 2007, a track record of about 18 years 5 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 Ultra-short Bond Fund - Super Institutional - Dividend is managed by Franklin Templeton. It's classified by AMFI under the 'Ultra Short Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Templeton India Ultra-short Bond Fund - Super Institutional - Dividend has delivered a absolute return of 13.69% — +15.68 pp ahead of the Ultra Short Duration Fund category average of -1.99%. The fund ranks #2 of 10 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Templeton India Ultra-short Bond Fund - Super Institutional - Dividend has delivered a CAGR of 7.33% — +12.03 pp ahead of the Ultra Short Duration Fund category average of -4.70%. The fund ranks #5 of 10 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Templeton India Ultra-short Bond Fund - Super Institutional - Dividend has delivered a CAGR of 4.34% — +10.12 pp ahead of the Ultra Short Duration Fund category average of -5.78%. The fund ranks #7 of 10 in its category — the third (Q3) quartile.

₹1 lakh invested in Templeton India Ultra-short Bond Fund - Super Institutional - Dividend exactly 10 years ago would be worth approximately ₹124,577 today — a multiplier of 1.25×, based on the 10-year CAGR of 2.22%. The category average over the same window would have grown ₹1 lakh to ₹149,805.

A ₹10,000 monthly SIP in Templeton India Ultra-short Bond Fund - Super Institutional - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹717,752 today. That's an XIRR (money-weighted annualised return) of 7.10%.

A ₹10,000 monthly SIP for 10 years in Templeton India Ultra-short Bond Fund - Super Institutional - Dividend = ₹1,200,000 invested. It would currently be worth ₹1,462,263 (multiplier 1.22×). XIRR: 3.87%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Templeton India Ultra-short Bond Fund - Super Institutional - Dividend ranks #7 out of 10 funds in the Ultra Short Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -5.78%; this fund delivered 4.34%.

The worst peak-to-trough decline Templeton India Ultra-short Bond Fund - Super Institutional - Dividend has experienced over the last 5-year window is 4.52% — its NAV fell from a high on 02 Apr 2019 to a low on 16 Jan 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 Ultra-short Bond Fund - Super Institutional - Dividend averaged 0.48% (best 4.34%, worst -0.84%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is -0.76 — negative risk-adjusted performance.

In calendar year 2021, Templeton India Ultra-short Bond Fund - Super Institutional - Dividend returned 11.83% — beating the Ultra Short Duration Fund category average of 7.29% by 4.54 pp. It ranked #1 of 9 in its category that year.

Templeton India Ultra-short Bond Fund - Super Institutional - Dividend 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 Ultra-short Bond Fund - Super Institutional - Dividend 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: 4.5%. 5-year CAGR: 4.34%.

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