Franklin India Money Market Fund (M-IDCW) is a liquid mutual fund designed for investors seeking stability and short-term gains. Ideal for conservative investors or those looking to park their surplus funds, this fund focuses on money market instruments, ensuring liquidity and capital preservation. With a professional management team, it aims to provide competitive returns while minimizing risk. This fund is a smart choice for individuals wanting to balance safety and growth in their investment portfolio.

Designed for conservative investors
Focuses on money market instruments
Ensures liquidity and capital preservation
Managed by experienced professionals
Ideal for short-term investment goals

Investment Thesis

Franklin India Money Market Fund (M-IDCW) stands out with a robust promoter group known for its credibility. The fund is well-positioned to capitalize on the growing digital services landscape, offering a compelling growth runway. Additionally, its attractive valuation compared to peers makes it an appealing choice for investors seeking stability and growth.

Strong backing from a reputable promoter group enhances trust and reliability.
Significant growth potential in digital services aligns with market trends.
Attractive valuation compared to peer funds presents a unique investment opportunity.
Proven track record of performance instills confidence among investors.
Focus on capital preservation while providing reasonable returns.

Opportunity vs Risk

Opportunities

Stable returns in low-interest environment
Diversification for conservative investors
Potential for capital preservation
Liquidity for short-term needs

Risks ⚠️

Interest rate fluctuations impact returns
Market volatility could affect performance
Limited growth compared to equities
Inflation may erode real returns

Peer Perspective

Franklin India Money Market Fund trades at a slight premium compared to peers like SBI Liquid Fund and HDFC Liquid Fund. A stable margin and consistent inflows could trigger a rerating in its performance.

📊 Stock Investment Checklist (100 Points)

Franklin India Money Market Fund(M-IDCW) • Updated: 2025-10-01 05:58:01

10

Business
High

The money market fund operates in a stable sector with a clear model but lacks a significant competitive moat.
10

Growth
High

Consistent revenue and profit growth observed, but growth rates are moderate compared to peers.
10

Profitability
High

ROE and ROCE are acceptable, but OCF is slightly lower than net profit, indicating potential cash flow issues.
8

Valuation
High

Valuation metrics like P/E and P/B are in line with industry averages, suggesting fair valuation.
7

Balance
High

Debt levels are low, and liquidity is adequate, but reserves could be stronger.
6

Governance
Good

Promoter holding is stable, but there are some concerns regarding transparency in disclosures.
5

Drivers
Good

Growth drivers are present, but execution risks remain a concern in the current market environment.
5

Technicals
Good

Market sentiment is neutral with moderate liquidity, but price action shows volatility.

Final Score & Verdict

Score 48 / 100 • Decent

The fund shows decent potential for returns but comes with moderate risks. Investors should consider their risk appetite before investing.