Franklin India Gilt Fund

Direct Plan · Quarterly IDCW · Gilt Funds · Scheme code 118497

NAV₹11.6570as on 30 Oct 2026

Fund houseFranklin Templeton Mutual Fund

CategoryGilt Funds

Plan & optionDirect · Quarterly IDCW

History13.7 years

Returns (%)

	1M	3M	6M	1Y	3Y	5Y	7Y	10Y	Launch
This scheme	0.27	1.14	-0.39	1.13	1.12	0.66	-0.04	-0.49	0.67
Gilt Funds category median	—	—	—	1.39	6.17	5.45	—	6.64	—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

	Volatility	Sharpe	Sortino	Beta	Alpha	Max fall	R²
This scheme	3.7%	-1.45	-1.43	—	—	-18.3%	—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

Drawdown from peak (%)

Every one-year period it has lived through

Windows	Worst	Median	Best	Periods that lost money
3,055	-12.9%	1.1%	16.7%	40%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

Franklin India Gilt Fund

Direct Plan · Quarterly IDCW

Allocation

By asset

Debt	83.71%
Cash & Equivalents	16.29%

By market cap

Unclassified	166.23%

Concentration

Number of stocks	14
Top 5 stocks	65.28%
Top 10 stocks	81.90%
Top 20 stocks	83.71%
Lines in the filing	16

Largest holding	20.26%
Largest sector	SOVEREIGN 83.71%
Effective stocks	9.7
Sectors held	1
Cash	16.29%

Effective stocks is what the concentration works out to: a fund holding 14 names but most of its money in a few behaves like a fund of 10. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

SOVEREIGN	83.71%
Cash & Equivalents	16.29%

Franklin India Gilt Fund

Direct Plan · Quarterly IDCW · holdings

Top 30 holdings

#	Company	Sector	Shares held	Value ₹ cr	% of fund
1	7.66% Maharashtra SDL (04-Mar-2047)	SOVEREIGN	3,000,000	29	20.26%
2	91 DTB (29-Oct-2026)	SOVEREIGN	2,500,000	25	17.15%
3	Call, Cash & Other Assets	Unclassified	—	24	16.28%
4	7.62% Punjab SDL (28-Jan-2033)	SOVEREIGN	1,500,000	15	10.40%
5	7.73% Andhra Pradesh SDL (23-Mar-2032)	SOVEREIGN	1,500,000	15	10.39%
6	7.86% Haryana SDL (29-Jun-2032)	SOVEREIGN	1,000,000	10	7.09%
7	7.02% Punjab SDL (01-Jul-2030)	SOVEREIGN	800,000	8	5.52%
8	7.56% Kerala SDL (08-Jul-2039)	SOVEREIGN	510,200	5	3.47%
9	7.17% Rajasthan SDL (02-Mar-2032)	SOVEREIGN	500,000	5	3.39%
10	7.65% Bihar SDL (24-DEC-2033)	SOVEREIGN	312,440	3	2.19%
11	7.56% Himachal Pradesh SDL (08-Jul-2039)	SOVEREIGN	300,200	3	2.05%
12	6.90% GOI 2065 (15-Apr-2065)	SOVEREIGN	102,700	1	0.66%
13	7.64% Uttarakhand SDL (24-DEC-2032)	SOVEREIGN	68,680	1	0.48%
14	7.32% Chhattisgarh SDL (05-Mar-2037)	SOVEREIGN	52,560	1	0.35%
15	7.32% West Bengal SDL (05-Mar-2038)	SOVEREIGN	50,000	0	0.33%
16	Margin on IRS	Unclassified	—	0	0.01%

Franklin India Gilt Fund

Direct Plan · Quarterly IDCW · where the money sits

What the manager did last month

Between the filings of 30 Jun 2026 and 31 Jul 2026. A position grows because the manager bought or because the price rose; only the share count separates them.

Bought	Sold	New positions	Sold out of	Price move of holdings
₹0 cr	₹14 cr	3	10	-0.18%

Stock	Shares traded	Shares	Price	Value ₹ cr
New position
7.02% Punjab SDL (01-Jul-2030)	2,000,000	entered	—	20.1
7.56% Himachal Pradesh SDL (08-Jul-2039)	550,200	entered	—	5.5
7.56% Kerala SDL (08-Jul-2039)	510,200	entered	—	5.1
Trimmed
6.90% GOI 2065 (15-Apr-2065)	1,500,000	-59.3%	-1.0%	14.0
Sold out of
DBS BANK LTD (Pay Fixed - Receive Floating)	—	exited	—	25.0
Long	—	exited	—	25.0
7.71% GOI 2066 (18-May-2066)	1,855,200	exited	—	19.5
STANDARD CHARTERED BANK (Pay Fixed - Receive Floating)	—	exited	—	15.0
ICICI SECURITIES PRIMARY DEALERSHIP LTD (Pay Fixed - Receive Floating)	—	exited	—	10.0
IDFC FIRST BANK LTD (Pay Fixed - Receive Floating)	—	exited	—	10.0
Contract Name	—	exited	—	0.0
Position	—	exited	—	0.0

The list above is stocks and fund units. Treasury bills, repo and money-market lines roll over every month by design — they are not decisions, so they are totalled here rather than listed as activity.

A ₹10,000 monthly SIP over five years

Invested	Value	Gain	XIRR
₹600,000	₹615,927	₹15,927	1.03%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 31 Oct 2026.