Previously Known As : Franklin India Pension Plan
Franklin India Retirement Fund Datagrid
Category Retirement Fund
BMSMONEY Rank 8
Rating
Growth Option 12-06-2026
NAV ₹215.38(R) +0.78% ₹237.67(D) +0.78%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular -1.31% 8.14% 6.82% 7.6% 7.63%
Direct -0.55% 8.97% 7.65% 8.43% 8.45%
Nifty 500 TRI -1.03% 13.41% 11.87% 13.94% 14.02%
SIP (XIRR) Regular -2.58% 4.01% 6.41% 7.28% 7.33%
Direct -1.85% 4.82% 7.24% 8.13% 8.16%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.42 0.18 0.53 -0.24% -1.16
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
5.92% -6.65% -5.9% 0.39 4.57%
Fund AUM As on: 30/12/2025 520 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Union Retirement Fund 3
Icici Prudential Retirement Fund - Hybrid Conservative Plan 4
UTI Retirement Fund 5
Aditya Birla Sun Life Retirement Fund - The 30s Plan 6

NAV Date: 12-06-2026

Scheme Name NAV Rupee Change Percent Change
Franklin India Pension Plan - IDCW 16.35
0.1300
0.7800%
Franklin India Pension Plan - Direct - IDCW 18.08
0.1400
0.7800%
Franklin India Pension Plan-Growth 215.38
1.6600
0.7800%
Franklin India PENSION PLAN - Direct - Growth 237.67
1.8400
0.7800%

Review Date: 12-06-2026

Beginning of Analysis

Franklin India Retirement Fund is the 7th ranked fund in the Retirement Fund category. The category has total 26 funds. The Franklin India Retirement Fund has shown a very good past performence in Retirement Fund. The fund has a Jensen Alpha of -0.24% which is lower than the category average of 0.12%. The fund has a Sharpe Ratio of 0.42 which is higher than the category average of 0.38.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Retirement Mutual Funds

Franklin India Retirement Fund Return Analysis

The Franklin India Retirement Fund has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Retirement Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Retirement Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of 0.87%, 0.86 and -2.3 in last one, three and six months respectively. In the same period the category average return was 1.38%, 2.92% and -1.23% respectively.
  • Franklin India Retirement Fund has given a return of -0.55% in last one year. In the same period the Nifty 500 TRI return was -1.03%. The fund has given 0.48% more return than the benchmark return.
  • The fund has given a return of 8.97% in last three years and rank 18th out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 13.41%. The fund has given 4.44% less return than the benchmark return.
  • Franklin India Retirement Fund has given a return of 7.65% in last five years and category average returns is 10.21% in same period. The fund ranked 17th out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 11.87%. The fund has given 4.22% less return than the benchmark return.
  • The fund has given a return of 8.45% in last ten years and ranked 9th out of ten funds in the category. In the same period the Nifty 500 TRI return was 14.02%. The fund has given 5.57% less return than the benchmark return.
  • The fund has given a SIP return of -1.85% in last one year whereas category average SIP return is 0.75%. The fund one year return rank in the category is 22nd in 28 funds
  • The fund has SIP return of 4.82% in last three years and ranks 14th in 25 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (15.22%) in the category in last three years.
  • The fund has SIP return of 7.24% in last five years whereas category average SIP return is 9.17%.

Franklin India Retirement Fund Risk Analysis

  • The fund has a standard deviation of 5.92 and semi deviation of 4.57. The category average standard deviation is 9.2 and semi deviation is 7.14.
  • The fund has a Value at Risk (VaR) of -6.65 and a maximum drawdown of -5.9. The category average VaR is -12.9 and the maximum drawdown is -10.32. The fund has a beta of 0.38 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Retirement Fund Category
  • Good Performance in Retirement Fund Category
  • Poor Performance in Retirement Fund Category
  • Very Poor Performance in Retirement Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.81 1.51
    1.29
    		0.71 | 3.13 24 | 29 Average
    3M Return % 0.67 3.42
    2.63
    		-0.80 | 10.82 22 | 29 Average
    6M Return % -2.66 -4.42
    -1.78
    		-8.31 | 3.34 19 | 29 Average
    1Y Return % -1.31 -1.03
    0.38
    		-5.90 | 7.96 21 | 29 Average
    3Y Return % 8.14 13.41
    10.31
    		4.78 | 21.67 17 | 26 Average
    5Y Return % 6.82 11.87
    8.93
    		3.86 | 20.52 17 | 25 Average
    7Y Return % 7.60 13.94
    9.81
    		4.16 | 18.17 12 | 18 Average
    10Y Return % 7.63 14.02
    10.15
    		6.64 | 15.00 7 | 10 Average
    15Y Return % 9.07 12.68
    8.07
    		7.07 | 9.07 1 | 2 Very Good
    1Y SIP Return % -2.58
    -0.26
    		-9.67 | 10.90 21 | 29 Average
    3Y SIP Return % 4.01
    4.95
    		1.57 | 13.63 15 | 26 Average
    5Y SIP Return % 6.41
    8.01
    		3.84 | 17.83 16 | 25 Average
    7Y SIP Return % 7.28
    9.90
    		3.90 | 20.35 12 | 18 Average
    10Y SIP Return % 7.33
    9.43
    		5.69 | 14.38 7 | 10 Average
    15Y SIP Return % 8.34
    8.42
    		8.34 | 8.50 2 | 2 Good
    Standard Deviation 5.92
    9.20
    		1.27 | 15.52 9 | 26 Good
    Semi Deviation 4.57
    7.14
    		0.97 | 11.69 9 | 26 Good
    Max Drawdown % -5.90
    -10.32
    		-19.00 | -0.76 9 | 26 Good
    VaR 1 Y % -6.65
    -12.90
    		-25.74 | -0.37 9 | 26 Good
    Average Drawdown % -3.35
    -5.22
    		-11.62 | -0.38 10 | 26 Good
    Sharpe Ratio 0.42
    0.38
    		-0.70 | 1.01 10 | 26 Good
    Sterling Ratio 0.53
    0.51
    		0.32 | 0.84 9 | 26 Good
    Sortino Ratio 0.18
    0.17
    		-0.23 | 0.48 13 | 26 Good
    Jensen Alpha % -0.24
    0.12
    		-3.84 | 8.83 11 | 26 Good
    Treynor Ratio -1.16
    -1.55
    		-9.84 | -0.38 18 | 26 Average
    Modigliani Square Measure % 12.44
    11.87
    		-3.41 | 21.72 10 | 26 Good
    Alpha % -3.26
    -1.85
    		-5.47 | 8.91 17 | 26 Average
    Return data last Updated On : June 12, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.87 1.51 1.38 0.78 | 3.25 25 | 29 Poor
    3M Return % 0.86 3.42 2.92 -0.58 | 11.21 22 | 29 Average
    6M Return % -2.30 -4.42 -1.23 -7.86 | 4.06 20 | 29 Average
    1Y Return % -0.55 -1.03 1.52 -4.93 | 9.40 23 | 29 Average
    3Y Return % 8.97 13.41 11.56 5.96 | 23.35 18 | 26 Average
    5Y Return % 7.65 11.87 10.21 5.10 | 22.17 17 | 25 Average
    7Y Return % 8.43 13.94 11.18 5.47 | 19.93 12 | 18 Average
    10Y Return % 8.45 14.02 11.45 7.92 | 16.50 9 | 10 Average
    1Y SIP Return % -1.85 0.75 -8.75 | 12.39 22 | 28 Poor
    3Y SIP Return % 4.82 6.06 2.71 | 15.22 14 | 25 Good
    5Y SIP Return % 7.24 9.17 5.04 | 19.48 16 | 24 Average
    7Y SIP Return % 8.13 11.14 5.14 | 22.08 11 | 17 Average
    10Y SIP Return % 8.16 10.46 6.91 | 15.78 6 | 9 Good
    Standard Deviation 5.92 9.20 1.27 | 15.52 9 | 26 Good
    Semi Deviation 4.57 7.14 0.97 | 11.69 9 | 26 Good
    Max Drawdown % -5.90 -10.32 -19.00 | -0.76 9 | 26 Good
    VaR 1 Y % -6.65 -12.90 -25.74 | -0.37 9 | 26 Good
    Average Drawdown % -3.35 -5.22 -11.62 | -0.38 10 | 26 Good
    Sharpe Ratio 0.42 0.38 -0.70 | 1.01 10 | 26 Good
    Sterling Ratio 0.53 0.51 0.32 | 0.84 9 | 26 Good
    Sortino Ratio 0.18 0.17 -0.23 | 0.48 13 | 26 Good
    Jensen Alpha % -0.24 0.12 -3.84 | 8.83 11 | 26 Good
    Treynor Ratio -1.16 -1.55 -9.84 | -0.38 18 | 26 Average
    Modigliani Square Measure % 12.44 11.87 -3.41 | 21.72 10 | 26 Good
    Alpha % -3.26 -1.85 -5.47 | 8.91 17 | 26 Average
    Return data last Updated On : June 12, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Franklin India Retirement Fund NAV Regular Growth Franklin India Retirement Fund NAV Direct Growth
    12-06-2026 215.3824 237.6679
    11-06-2026 213.7209 235.8297
    10-06-2026 214.2868 236.4494
    09-06-2026 214.4853 236.6637
    08-06-2026 213.7886 235.8902
    05-06-2026 214.2812 236.4194
    04-06-2026 213.9138 236.0094
    03-06-2026 213.7546 235.829
    02-06-2026 213.8556 235.9356
    01-06-2026 213.7592 235.8246
    29-05-2026 214.3457 236.4573
    27-05-2026 215.0645 237.2408
    26-05-2026 214.8951 237.0491
    25-05-2026 215.1308 237.3043
    22-05-2026 213.9155 235.9495
    21-05-2026 213.6209 235.6199
    20-05-2026 213.7135 235.7175
    19-05-2026 213.6208 235.6107
    18-05-2026 213.4248 235.3899
    15-05-2026 214.1325 236.1568
    14-05-2026 214.4215 236.471
    13-05-2026 213.773 235.7513
    12-05-2026 213.6573 235.6192

    Fund Launch Date: 31/Mar/1997
    Fund Category: Retirement Fund
    Investment Objective: The Fund seeks to provide investors regular income under the Dividend Plan and capital appreciation under the Growth Plan.
    Fund Description: An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
    Fund Benchmark: 40% Nifty 500+60% Crisil Composite Bond Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.