Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl

Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl

Debt

Franklin Mutual Fund

Banking & Psu

Get the latest NAV of Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹11.61

NAV as on 19 Jun 2025

5.94%/per year

Since Inception

Absolute Gain%

▲▼

Fund Performance

as on (19-Jun-25)

Period
This Fund
Banking and PSU Index
1 Month
0.25%
0.29%
3 Months
1.68%
3.19%
6 Months
2.13%
4.84%
1 Year
4.93%
8.9%
3 Years
5.94%
7.5%
5 Years
4.9%
6.06%

Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

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Total Investment

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Total Corpus

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Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl Asset Allocation

See fund asset allocation details as on (14-Jun-25)

Fund Distribution

as on (14-Jun-25)

Debt & Cash 99.6%

AAA
96%
AA
4%
Cash allocation has gone up from 2.2% to 6.9%
Cash allocation has gone up from 2.2% to 6.9%
Debt allocation has gone down from 97.5% to 92.8%
Debt allocation has gone down from 97.5% to 92.8%

Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl Sector Allocation

See fund sector allocation details as on (14-Jun-25)

Sector Allocation

Debt & Cash 99.6%

Corporate
64.1%
Government
34.7%
Cash Equivalent
1.2%

Top 2 Sectors in May were Corporate, Government

May'25

Corporate

71%

Government

27%

Apr'25

Corporate

68%

Government

30%

Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.18%
Benchmark
NIFTY Banking & PSU Debt TR INR
AUM₹550 Cr
Inception Date25 April, 2014
Min Lumpsum/SIP₹5000/₹500
Exit Load0%
Lock InNo Lock-in
TurnOver
116.41%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Moderate Risk

About Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl

Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl is a debt fund. This fund was started on 25 April, 2014. The fund is managed by Chandni Gupta. This fund is suitable to keep your money safe.

Key Parameters

  1. Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl has ₹550 Cr worth of assets under management (AUM) as on Dec 1969 and is less than category average.
  2. The fund has an expense ratio 0.2.

Returns

Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl has given a CAGR return of 5.94% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 4.93%, 5.94% and 4.90% respectively.

Holdings

Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are India Infrastructure Finance Company Limited, Small Industries Development Bank Of India, Rec Limited, ICICI Bank Limited, 6.9% Govt Stock 2065

Taxation

As it is a banking & psu mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl

The fund seeks to provide regular income through a portfolio of debt and money market instruments consisting 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.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 500.00. Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl has no lock in period.

Fund Manager

Chandni Gupta

Fund Manager of Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl, since 7 March 2024

Learn more about Franklin Mutual Fund
Parameters
May'25
Apr'25
Mar'25
AUM
₹ 549.5 Cr
₹ 544.8 Cr
₹ 547.1 Cr
  • AUM of the fund stands at 549.5 Cr as of May'25
  • AUM increased by 4.7 Cr between May'25 and Apr'25

Frequently Asked Questions for Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl

How do I invest in Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl?

INDmoney makes it simple to invest in the Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl. To do so, follow the steps below:
  • Download the INDmoney app.
  • Search for ‘Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl’.
  • Select whether you want to invest in SIP or lump sum.
  • Enter the amount you wish to invest.
  • Set up payments via bank mandate or UPI.

What is the current NAV of Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl?

The NAV of the fund today is ₹11.61. NAV or Net Asset Value is the per unit price of a mutual fund. For example, if the NAV of a fund is ₹10, it means you can get 1000 units of that mutual fund at ₹10,000.

What is the return on the fund?

Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl fund has generated a return of 4.93% in 1 year, 5.94% in 3 years, 4.90% in 5 years.

Who is the fund manager of Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl?

The fund managers are Chandni Gupta.

What is the exit load of the fund?

The exit load is . Exit load is a fee levied for ‘exiting’ the fund earlier than a stipulated period, usually 1 year.

What is the expense ratio of the fund?

The expense ratio is 0.18%. The Expense Ratio is a fee charged for managing the fund. This includes commissions, administrative costs etc.

What is the AUM of the fund?

The AUM of the fund is ₹550 Cr. AUM stands for Assets Under Management. It refers to the total assets managed by the fund.

What are the top holdings of Franklin India Banking & PSU Debt Fund Direct Payout Inc Dist cum Cap Wdrl?

The top 3 holdings of the fund are India Infrastructure Finance Company Limited(9.49%), Small Industries Development Bank Of India(7.63%), Rec Limited(6.09%)