Franklin India Banking & Psu Debt Fund Overview
Category Banking and PSU Fund
BMSMONEY Rank 10
BMSMONEY Rating
Gro. Opt. As On: 31-01-2025
NAV ₹21.6(R) -0.04% ₹22.54(D) -0.04%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 7.59% 6.02% 6.0% 6.95% 7.09%
LumpSum (D) 7.94% 6.38% 6.36% 7.31% 7.5%
SIP (R) -8.86% 5.15% 5.47% 4.92% 5.88%
SIP (D) -8.57% 5.5% 5.83% 5.26% 6.25%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
-0.84 -0.26 0.55 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.1% -0.52% -0.77% - 0.9%
Top Banking and PSU Fund
Fund Name Rank Rating
ICICI Prudential Banking & PSU Debt Fund 1
UTI Banking & PSU Fund 2
Dsp Banking & Psu Debt Fund 3
Kotak Banking And Psu Debt Fund 4

NAV Date: 31-01-2025

Scheme Name NAV Rupee Change Percent Change
Franklin India Banking and PSU Debt Fund - IDCW 10.7
0.0000
-0.0400%
Franklin India Banking and PSU Debt Fund - Direct - IDCW 11.3
0.0000
-0.0400%
Franklin India Banking & PSU Debt Fund - Growth 21.6
-0.0100
-0.0400%
Franklin India Banking & PSU Debt Fund - Direct - Growth 22.54
-0.0100
-0.0400%

Review Date: 31-01-2025

Franklin India Banking & Psu Debt Fund has exhibited average performance in the Banking and PSU Debt Fund category. The fund has rank of 10 out of 19 funds in the category. The fund has delivered return of 7.59% in 1 year, 6.02% in 3 years, 6.0% in 5 years and 7.09% in 10 years. The category average for the same periods is 7.81%, 6.15%, 6.28% and 7.11% respectively, which shows average return performance of fund in the category. The fund has exhibited standard deviation of 1.1, VaR of -0.52, Average Drawdown of -0.5, Semi Deviation of 0.9 and Max Drawdown of -0.77. The category average for the same parameters is 1.29, -0.45, -0.58, 0.94 and -0.87 respectively. The fund has average risk in the category.

Key Points:

  1. An investment of ₹10,000 in Franklin India Banking & Psu Debt Fund direct growth option would have grown to ₹10794.0 in 1 year, ₹12039.0 in 3 years and ₹13608.0 in 5 years as of today (31-01-2025).
  2. An SIP of ₹1,000 per month in Franklin India Banking & Psu Debt Fund direct growth option would have grown to ₹11433.0 in 1 year, ₹39150.0 in 3 years and ₹69538.0 in 5 years as of today (31-01-2025).
  3. standard deviation of 1.1 and based on VaR one can expect to lose more than -0.52% of current value of fund in one year.
  4. Sharpe ratio of the fund is -0.84 which shows good performance of fund in the banking and psu debt fund category.


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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.50
0.62
0.50 | 0.76 22 | 22 Poor
3M Return % 1.58
1.64
1.43 | 1.85 20 | 22 Poor
6M Return % 3.57
3.72
3.43 | 3.97 20 | 22 Poor
1Y Return % 7.59
7.81
7.19 | 8.46 18 | 22 Average
3Y Return % 6.02
6.15
5.47 | 8.32 13 | 19 Average
5Y Return % 6.00
6.28
5.60 | 7.23 11 | 15 Average
7Y Return % 6.95
6.87
5.98 | 7.62 9 | 15 Average
10Y Return % 7.09
7.11
6.33 | 7.48 8 | 12 Average
1Y SIP Return % -8.86
-8.67
-9.11 | -8.34 20 | 22 Poor
3Y SIP Return % 5.15
5.26
4.91 | 5.68 11 | 19 Average
5Y SIP Return % 5.47
5.65
5.17 | 6.67 11 | 15 Average
7Y SIP Return % 4.92
5.00
4.46 | 5.46 10 | 15 Average
10Y SIP Return % 5.88
5.83
5.30 | 6.16 8 | 13 Good
Standard Deviation 1.10
1.29
0.73 | 3.21 9 | 19 Good
Semi Deviation 0.90
0.94
0.52 | 1.70 12 | 19 Average
Max Drawdown % -0.77
-0.87
-2.46 | 0.00 11 | 19 Average
VaR 1 Y % -0.52
-0.45
-2.69 | 0.00 14 | 19 Average
Average Drawdown % -0.50
-0.58
-1.67 | 0.00 11 | 19 Average
Sharpe Ratio -0.84
-0.80
-1.12 | 0.38 9 | 19 Good
Sterling Ratio 0.55
0.55
0.41 | 0.77 11 | 19 Average
Sortino Ratio -0.26
-0.24
-0.36 | 0.36 9 | 19 Good
Return data last Updated On : Jan. 31, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

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KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
1M Return % 0.53 0.65 0.53 | 0.79 21 | 21
3M Return % 1.66 1.74 1.52 | 1.97 20 | 21
6M Return % 3.75 3.91 3.63 | 4.13 19 | 21
1Y Return % 7.94 8.21 7.60 | 8.75 19 | 21
3Y Return % 6.38 6.57 5.92 | 8.62 12 | 18
5Y Return % 6.36 6.71 6.02 | 7.45 12 | 14
7Y Return % 7.31 7.29 6.16 | 7.95 8 | 14
10Y Return % 7.50 7.49 6.81 | 7.89 8 | 12
1Y SIP Return % -8.57 -8.34 -8.77 | -8.06 19 | 21
3Y SIP Return % 5.50 5.67 5.39 | 5.97 15 | 18
5Y SIP Return % 5.83 6.05 5.55 | 6.93 10 | 14
7Y SIP Return % 5.26 5.41 4.86 | 5.79 10 | 14
10Y SIP Return % 6.25 6.25 5.73 | 6.57 7 | 12
Standard Deviation 1.10 1.29 0.73 | 3.21 9 | 19
Semi Deviation 0.90 0.94 0.52 | 1.70 12 | 19
Max Drawdown % -0.77 -0.87 -2.46 | 0.00 11 | 19
VaR 1 Y % -0.52 -0.45 -2.69 | 0.00 14 | 19
Average Drawdown % -0.50 -0.58 -1.67 | 0.00 11 | 19
Sharpe Ratio -0.84 -0.80 -1.12 | 0.38 9 | 19
Sterling Ratio 0.55 0.55 0.41 | 0.77 11 | 19
Sortino Ratio -0.26 -0.24 -0.36 | 0.36 9 | 19
Return data last Updated On : Jan. 31, 2025.
Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
KPIs: Key Performance Indicators

Investment Period Regular Direct
Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
1D -0.04 ₹ 9,996.00 -0.04 ₹ 9,996.00
1W 0.18 ₹ 10,018.00 0.19 ₹ 10,019.00
1M 0.50 ₹ 10,050.00 0.53 ₹ 10,053.00
3M 1.58 ₹ 10,158.00 1.66 ₹ 10,166.00
6M 3.57 ₹ 10,357.00 3.75 ₹ 10,375.00
1Y 7.59 ₹ 10,759.00 7.94 ₹ 10,794.00
3Y 6.02 ₹ 11,918.00 6.38 ₹ 12,039.00
5Y 6.00 ₹ 13,385.00 6.36 ₹ 13,608.00
7Y 6.95 ₹ 16,003.00 7.31 ₹ 16,387.00
10Y 7.09 ₹ 19,842.00 7.50 ₹ 20,604.00
15Y ₹ ₹

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.

Investment Period Invested Amount Regular Direct
XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
1Y ₹ 12000 -8.86 ₹ 11,412.97 -8.57 ₹ 11,432.89
3Y ₹ 36000 5.15 ₹ 38,941.31 5.50 ₹ 39,149.86
5Y ₹ 60000 5.47 ₹ 68,920.68 5.83 ₹ 69,537.60
7Y ₹ 84000 4.92 ₹ 100,057.27 5.26 ₹ 101,303.16
10Y ₹ 120000 5.88 ₹ 162,312.12 6.25 ₹ 165,477.24
15Y ₹ 180000 ₹ ₹


Date Franklin India Banking & Psu Debt Fund NAV Regular Growth Franklin India Banking & Psu Debt Fund NAV Direct Growth
31-01-2025 21.6025 22.5363
30-01-2025 21.6108 22.5447
29-01-2025 21.5993 22.5325
28-01-2025 21.5954 22.5283
27-01-2025 21.5922 22.5247
24-01-2025 21.563 22.4936
23-01-2025 21.5634 22.4938
22-01-2025 21.5875 22.5187
21-01-2025 21.5802 22.5109
20-01-2025 21.5705 22.5006
17-01-2025 21.5476 22.4761
16-01-2025 21.5658 22.4949
15-01-2025 21.5479 22.476
14-01-2025 21.5417 22.4694
13-01-2025 21.5335 22.4606
10-01-2025 21.5371 22.4637
09-01-2025 21.522 22.4478
08-01-2025 21.5286 22.4545
07-01-2025 21.5262 22.4518
06-01-2025 21.5235 22.4487
03-01-2025 21.5146 22.4388
02-01-2025 21.5054 22.429
01-01-2025 21.5076 22.4311
31-12-2024 21.4941 22.4169

Fund Launch Date: 02/Apr/2014
Fund Category: Banking and PSU Fund
Investment Objective: The fund seeks to provide regular income through a portfolio of debt and money m a r k e t i n s t r u m e n t s c o n s i s t i n g predominantly of securities issued by entities such as Banks, Public Sector Undertakings (PSUs) and Municipal bonds. However, there is no assurance or guarantee that the objective of the scheme will be achieved
Fund Description: An open ended debt scheme predominantly investing in debt instruments of banks, Public Sector Undertakings, Public Financial Institutions and Municipal Bonds
Fund Benchmark: CRISIL Composite Bond Fund Index
Source: Fund FactSheet

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