Should I invest in Templeton Monthly Income Plan-Quaterly Dividend?

We don't give personal investment advice. Templeton Monthly Income Plan-Quaterly 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: 13.6%. 5-year CAGR: 7.07%.

Franklin Templeton

Templeton Monthly Income Plan-Quaterly Dividend

Latest NAV

₹14.7667

As of

7 Aug 2022

3,946 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	+0.20%	+0.01%	+0.20	2 / 46	Q1
1W	+0.30%	-7.85%	+8.16	1 / 50	Q1
2W	+0.40%	-4.03%	+4.43	2 / 48	Q1
1M	+0.62%	-4.03%	+4.65	3 / 48	Q1
3M	+1.33%	-3.68%	+5.01	2 / 48	Q1
6M	+22.18%	-2.28%	+24.46	1 / 48	Q1
YTD	+23.31%	-2.40%	+25.71	2 / 48	Q1
1Y	+37.14%	-0.31%	+37.45	1 / 48	Q1
2Y	+23.83%	+4.01%	+19.81	1 / 45	Q1
3Y	+12.35%	+3.64%	+8.71	2 / 43	Q1
4Y	+9.02%	+3.46%	+5.57	2 / 43	Q1
5Y	+7.07%	+3.44%	+3.63	4 / 39	Q1
7Y	+5.05%	+3.33%	+1.71	19 / 38	Q2
10Y	+3.57%	+3.05%	+0.52	17 / 37	Q2
Inception	+2.29%	+4.12%	-1.83	22 / 46	Q2

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	+23.31%	+3.32%	+19.99	2 / 37
2021	+16.69%	+2.96%	+13.73	1 / 34
2020	+1.52%	+4.32%	-2.80	21 / 35
2019	-2.56%	+1.00%	-3.56	32 / 39
2018	+0.68%	+2.90%	-2.22	19 / 37
2017	-0.17%	+2.57%	-2.74	34 / 37
2016	-0.60%	+3.64%	-4.24	38 / 38
2015	+0.33%	+2.59%	-2.26	4 / 7
2014	+0.22%	+1.63%	-1.41	3 / 6
2013	-0.05%	+1.59%	-1.64	6 / 6
2012	+0.16%	+1.77%	-1.61	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

+1.66%

188 windows

min -13.4% · max 37.7%

55% positive

3-Year rolling

+0.37%

163 windows

min -3.8% · max 12.5%

56% positive

5-Year rolling

+0.20%

139 windows

min -2.3% · max 7.1%

51% positive

7-Year rolling

+0.17%

115 windows

min -1.6% · max 5.1%

42% 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

12.31%

3-year · annualised

Sharpe ratio

0.48

vs risk-free 6.5%

Sortino ratio

1.53

Downside-only deviation

Max drawdown

-12.88%

Sep 2019 → Mar 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 Low Duration Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA LOW DURATION FUND - IDCW Option	Nippon India	₹2,089.8894	3 Jun 2026
ICICI Prudential Flexible Income Plan Premium-Daily Dividend Plan	ICICI Prudential	₹105.7358	3 Jun 2026
Invesco India Low Duration Fund - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹4,068.9854	3 Jun 2026
Franklin India Low Duration Fund-IDCW	Franklin India	₹10.5303	3 Jun 2026
BARODA BNP PARIBAS LOW DURATION Fund-Defunct Plan- Daily IDCW Option	Baroda BNP Paribas	₹10.0499	3 Jun 2026
Canara Robeco Floating Rate-SHORT TERM PLAN-DAILY DIVIDEND REINVESTMENT	Canara Robeco	₹10.2600	3 Jun 2026
UTI - Treasury Advantage Fund - Quarterly Dividend Option	UTI	₹2,337.4714	3 Jun 2026
Birla Sun Life Cash Manager-Plan B(Growth)	Birla Sun Life	₹687.0564	3 Jun 2026
IDFC Liquidity Manager - Daily Dividend	IDFC	₹10.1011	3 Jun 2026
JM Low Duration Fund - Bonus Option - Principal Units		₹23.4425	3 Jun 2026

Recent NAVs

Date	NAV
7 Aug 2022	₹14.7667
5 Aug 2022	₹14.7366
4 Aug 2022	₹14.7273
3 Aug 2022	₹14.7255
2 Aug 2022	₹14.7238
1 Aug 2022	₹14.7220
29 Jul 2022	₹14.7162
28 Jul 2022	₹14.7142
27 Jul 2022	₹14.7122
26 Jul 2022	₹14.7102

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 Monthly Income Plan-Quaterly Dividend is ₹14.7667. It's a Low Duration Fund from Franklin Templeton, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Templeton Monthly Income Plan-Quaterly 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 Monthly Income Plan-Quaterly Dividend is managed by Franklin Templeton. It's classified by AMFI under the 'Low Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Templeton Monthly Income Plan-Quaterly Dividend has delivered a absolute return of 37.14% — +37.45 pp ahead of the Low Duration Fund category average of -0.31%. The fund ranks #1 of 48 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Templeton Monthly Income Plan-Quaterly Dividend has delivered a CAGR of 12.35% — +8.71 pp ahead of the Low Duration Fund category average of 3.64%. The fund ranks #2 of 43 in its category — the top (Q1) quartile.

Over the trailing 5-year window, Templeton Monthly Income Plan-Quaterly Dividend has delivered a CAGR of 7.07% — +3.63 pp ahead of the Low Duration Fund category average of 3.44%. The fund ranks #4 of 39 in its category — the top (Q1) quartile.

₹1 lakh invested in Templeton Monthly Income Plan-Quaterly Dividend exactly 10 years ago would be worth approximately ₹142,054 today — a multiplier of 1.42×, based on the 10-year CAGR of 3.57%. The category average over the same window would have grown ₹1 lakh to ₹135,022.

A ₹10,000 monthly SIP in Templeton Monthly Income Plan-Quaterly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹835,369 today. That's an XIRR (money-weighted annualised return) of 13.19%.

A ₹10,000 monthly SIP for 10 years in Templeton Monthly Income Plan-Quaterly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,686,301 (multiplier 1.41×). XIRR: 6.62%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Templeton Monthly Income Plan-Quaterly Dividend ranks #4 out of 39 funds in the Low Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.44%; this fund delivered 7.07%.

The worst peak-to-trough decline Templeton Monthly Income Plan-Quaterly Dividend has experienced over the last 5-year window is 13.56% — its NAV fell from a high on 22 Mar 2019 to a low on 24 Mar 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 Monthly Income Plan-Quaterly Dividend averaged 0.20% (best 7.13%, worst -2.30%). 51% of rolling windows ended positive. The 5-year Sharpe ratio is 0.08 — weak risk-adjusted performance.

In calendar year 2021, Templeton Monthly Income Plan-Quaterly Dividend returned 16.69% — beating the Low Duration Fund category average of 2.96% by 13.73 pp. It ranked #1 of 34 in its category that year.

Templeton Monthly Income Plan-Quaterly 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 Monthly Income Plan-Quaterly 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: 13.6%. 5-year CAGR: 7.07%.

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