Franklin India Banking & PSU Debt Fund

Regular Plan · Growth · Banking & PSU · Scheme code 129006

NAV₹24.1078as on 27 Oct 2026

Fund houseFranklin Templeton Mutual Fund

CategoryBanking & PSU

Plan & optionRegular · Growth

History12.3 years

Returns (%)

	1M	3M	6M	1Y	3Y	5Y	7Y	10Y	Launch
This scheme	0.26	2.00	2.87	6.31	7.18	6.09	6.45	6.93	7.37
Banking & PSU category median	—	—	—	3.76	6.50	5.77	—	6.59	—

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	1.1%	0.64	1.06	—	—	-3.7%	—

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
2,746	1.9%	7.4%	13.2%	0%

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 Banking & PSU Debt Fund

Regular Plan · Growth

Allocation

By asset

Debt	93.79%
Cash & Equivalents	5.84%
AIF Units	0.37%

By market cap

Unclassified	94.16%

Concentration

Number of stocks	35
Top 5 stocks	24.54%
Top 10 stocks	46.31%
Top 20 stocks	81.54%
Lines in the filing	37

Largest holding	5.55%
Largest sector	CARE A1+ 16.37%
Effective stocks	27.7
Sectors held	10
Cash	5.84%

Effective stocks is what the concentration works out to: a fund holding 35 names but most of its money in a few behaves like a fund of 28. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

CARE A1+	16.37%
SOVEREIGN	12.87%
ICRA AAA	12.47%
CRISIL AAA	11.93%
CRISIL A1+	11.23%
ICRA A1+	11.23%
IND AAA	9.97%
Cash & Equivalents	5.84%
IND A1+	4.34%
CRISIL AA	3.37%
Alternative Investment Fund Units	0.37%

Franklin India Banking & PSU Debt Fund

Regular Plan · Growth · holdings

Top 30 holdings

#	Company	Sector	Shares held	Value ₹ cr	% of fund
1	Call, Cash & Other Assets	Unclassified	—	33	5.83%
2	7.56% India Infrastructure Finance Co Ltd (20-Mar-2028)	IND AAA	3,000	31	5.55%
3	7.66% Maharashtra SDL (04-Mar-2047)	SOVEREIGN	3,100,000	30	5.37%
4	7.65% Axis Bank Ltd (30-Jan-2027)	ICRA AAA	250	26	4.65%
5	Mahindra & Mahindra Financial Services Ltd (3M Tbill + 210bps) (18-May-2029) ** $	CRISIL AAA	2,500	26	4.54%
6	7.70% National Bank For Agriculture & Rural Development (30-Sep-2027)	IND AAA	2,500	25	4.42%
7	HDFC Bank Ltd (19-Nov-2026)	CARE A1+	500	25	4.38%
8	Indian Bank (04-Dec-2026)	CRISIL A1+	500	25	4.37%
9	Bank of Baroda (06-Jan-2027)	IND A1+	500	25	4.34%
10	Kotak Mahindra Bank Ltd (08-Jan-2027)	CRISIL A1+	500	25	4.34%
11	ICICI Bank Ltd (27-Jan-2027)	ICRA A1+	500	24	4.33%
12	Punjab National Bank (10-Feb-2027)	CARE A1+	500	24	4.32%
13	Small Industries Development Bank of India (11-Jun-2027)	CARE A1+	500	24	4.20%
14	7.38% REC Ltd (28-Feb-2029)	ICRA AAA	2,341	24	4.20%
15	0.00% REC Ltd (03-Nov-2034)	CRISIL AAA	3,700	21	3.72%
16	7.38% Power Finance Corporation Ltd (15-Jan-2032)	ICRA AAA	2,000	20	3.62%
17	HDFC Bank Ltd (22-Jan-2027)	CARE A1+	400	20	3.47%
18	National Bank For Agriculture & Rural Development (22-Jan-2027)	ICRA A1+	400	20	3.46%
19	Union Bank of India (12-Mar-2027)	ICRA A1+	400	19	3.43%
20	Canara Bank (29-Jun-2027)	CRISIL A1+	300	14	2.52%
21	0.00% Jubilant Beverages Ltd (31-May-2028)	CRISIL AA	1,154	13	2.29%
22	7.68% Small Industries Development Bank Of India (10-Aug-2027)	CRISIL AAA	1,000	10	1.84%
23	7.62% Punjab SDL (28-Jan-2033)	SOVEREIGN	1,000,000	10	1.78%
24	7.73% Andhra Pradesh SDL (23-Mar-2032)	SOVEREIGN	1,000,000	10	1.78%
25	7.02% Punjab SDL (01-Jul-2030)	SOVEREIGN	800,000	8	1.42%
26	7.65% Bihar SDL (24-DEC-2033)	SOVEREIGN	624,880	6	1.12%
27	0.00% Jubilant Bevco Ltd (31-May-2028)	CRISIL AA	547	6	1.09%
28	7.78% HDFC Bank Ltd (27-Mar-2027)	CRISIL AAA	5	5	0.92%
29	8.15% Tata Capital Ltd (11-Jun-2029)	CRISIL AAA	500	5	0.91%
30	7.17% Rajasthan SDL (02-Mar-2032)	SOVEREIGN	500,000	5	0.87%

Franklin India Banking & PSU Debt Fund

Regular Plan · Growth · 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	₹13 cr	4	11	+0.41%

Stock	Shares traded	Shares	Price	Value ₹ cr
New position
7.70% National Bank For Agriculture & Rural Development (30-Sep-2027)	2,500	entered	—	26.7
7.02% Punjab SDL (01-Jul-2030)	2,000,000	entered	—	20.1
7.56% Himachal Pradesh SDL (08-Jul-2039)	50,200	entered	—	0.5
7.56% Kerala SDL (08-Jul-2039)	10,200	entered	—	0.1
Trimmed
7.71% GOI 2066 (18-May-2066)	1,300,000	-93.4%	-1.5%	13.5
Sold out of
7.44% National Bank For Agriculture & Rural Development (17-Jul-2029)	2,500	exited	—	25.7
DBS BANK LTD (Pay Fixed - Receive Floating)	—	exited	—	25.0
Long	—	exited	—	25.0
STANDARD CHARTERED BANK (Pay Fixed - Receive Floating)	—	exited	—	20.0
7.77% Bajaj Finance Ltd (17-Apr-2029)	1,500	exited	—	15.3
ICICI SECURITIES PRIMARY DEALERSHIP LTD (Pay Fixed - Receive Floating)	—	exited	—	15.0
IDFC FIRST BANK LTD (Pay Fixed - Receive Floating)	—	exited	—	15.0
Contract Name	—	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	₹712,520	₹112,520	6.82%

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 29 Oct 2026.