Franklin India Retirement Fund
Ticker: mf13308
Decent
68/100
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Axis Nifty Smallcap 50 Index Fund
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B
Bandhan Multi-Factor Fund
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JM Large Cap Fund
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Kotak Transportation & Logistics Fund
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SBI FMP-42-1857D
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Mahindra Manulife Value Fund
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SBI Silver ETF FOF
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B
Bandhan Bond Fund - Income Plan
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HDFC FMP-Sr 46-1861D-Mar 2022
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Business Overview
Franklin India Retirement Fund is a dedicated investment solution designed to help individuals secure their financial futures post-retirement. Aimed at working professionals and retirees, this fund offers a disciplined approach to wealth accumulation, ensuring a comfortable lifestyle in later years. With a focus on long-term growth, it balances risk and returns, making it an ideal choice for those planning for retirement.
- Designed for long-term wealth accumulation
- Helps secure financial stability in retirement
- Diversified investment portfolio
- Managed by experienced professionals
- Tax benefits under Section 80C
- Encourages disciplined savings habits
Investment Thesis
Franklin India Retirement Fund stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This combination positions it as a compelling investment opportunity for retail investors seeking long-term growth.
- Strong backing from a reputable promoter group enhances trust and stability.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation metrics compared to industry peers present a buying opportunity.
- Diversified portfolio reduces risk while offering exposure to various sectors.
- Consistent performance history reinforces confidence in long-term returns.
Opportunity vs Risk
Opportunities
- Growing demand for retirement planning
- Diverse investment portfolio
- Strong historical performance
- Tax benefits on investments
- Expert fund management
Risks ⚠️
- Market volatility impacts returns
- Regulatory changes in mutual funds
- Economic downturns affect performance
- Inflation erodes purchasing power
- Limited liquidity in certain funds
Peer Perspective
Franklin India Retirement Fund trades at a discount to peers like HDFC Pension and ICICI Prudential, primarily due to lower growth rates; a re-rating could occur if it demonstrates improved margin stability and accelerated asset growth.
📊 Stock Investment Checklist (100 Points)
Franklin India Retirement Fund • Updated: 2025-09-29 12:15:48
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10BusinessHighThe retirement fund operates in a growing sector with increasing demand for retirement planning.
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10GrowthHighConsistent revenue growth observed, but profit growth has been volatile.
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10ProfitabilityHighROE and ROCE are decent, but cash flow has been inconsistent.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is stable, but there are concerns about transparency.
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5DriversGoodGrowth drivers are present, but execution risks remain high.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
The Franklin India Retirement Fund shows potential in a growing sector, but faces challenges in profitability and execution risks.