Franklin India Retirement Fund

A goal-oriented mutual-fund structure

The Fund seeks to provide investors regular income under the Income Distribution cum capital withdrawal Plan and capital appreciation under the Growth Plan.

How the money may be invested

Equities, preference shares and equity related instruments: Up to 40% Debentures (Investment grade, privately placed etc.), Bonds issued by Public Sector Units and Money Market Instruments: Up to 100%

SEBI category

Retirement Fund

Fund type

An open ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)

Primary benchmark

CRISIL Short Term Debt Hybrid 60+40 Index

Use the latest monthly portfolio

Top holdings are the largest securities currently owned by the scheme. Names and weights can change every month, so a copied list can become misleading. Open the AMC's current official portfolio or factsheet below and look for this exact fund name.

Manager and scheme tenure

Fund manager(s)

Debt: Anuj Tagra & Pallab Roy; Equity: Rajasa Kakulavarapu & Ajay Argal

Manager tenure on this scheme

Since Anuj Tagra: April 30, 2024; Pallab Roy: March 07, 2024; Rajasa Kakulavarapu: September 06, 2021;Ajay Argal: October 04, 2024

Role / co-management

Comanage

The tenure above is experience managing this scheme, not the manager's total career experience. For education, qualifications and prior roles, open the latest official AMC factsheet or manager profile below.

Latest NAV records

NAV is a per-unit accounting value. Compare returns, portfolio, risk and cost — never choose a fund only because its NAV looks low.

What you pay and how money moves

Stated expense ratio

Regular 2.24%, Direct 1.55%

Exit load

3% if redeemed before the age of 58 years; Nil if redeemed after the age of 58 years.

Minimum application

Rs.500 · multiples of 1

SIP frequency

SIP: Weekly,Monthly & Quarterly - Any date of the month In case of weekly frequency, investor can select any Business Day between Monday to Friday. In case of Monthly and Quarterly, all the SIP instalments (except the first one) must be uniformly dated for the month / quarter.STP: Daily, Weekly, Monthly and Quarterly - (29, 30, 31 will default to last business day of the month)SWP: Monthly, Quarterly, Semi Annual & Annual - (29, 30, 31 will default to last business day of the month)

Minimum SIP amount

SIP: Weekly, Monthly & Quarterly : 500STP: Daily: 500 * 2 = 1000; Weekly, Monthly & Quarterly : 1000 * 2 = 2000 SWP: 500 * 1

Minimum instalments

Weekly, Monthly & Quarterly : If Rs. 500 – 999: 12 instalments If Rs. 1000 and above: 6 instalments STP: Under Capital Appreciation Option, the minimum term shall be 6 months.Daily - 1 MonthWeekly - 1 MonthMonthly - 2 MonthsQuarterly - 3 MonthsSWP: 500*1, Under Capital Appreciation Option, the minimum term shall be 1 month

How a mutual-fund investment is paid

1. Complete KYCIdentity, PAN, bank and contact verification are required.
2. Choose route and optionUnderstand direct vs regular and growth vs IDCW before selecting.
3. Choose SIP or lump sumSIP uses an automated mandate; lump sum is a one-time payment.
4. Receive units at applicable NAVCut-off time, cleared funds and scheme rules determine the applicable NAV.
5. Review, do not chaseTrack goal fit, risk, manager/mandate changes, costs and portfolio — not daily noise.

Download and verify at source

The packaged Scheme Summary PDF is the official AMFI file, unchanged. Live AMC links are included for time-sensitive factsheets, top holdings and portfolios.

Source verification date: 06 September 2026. If a live document differs from this page, rely on the newer official document.