Franklin India Money Market Fund (W-IDCW) is a liquid mutual fund designed for conservative investors seeking stable returns with low risk. It primarily invests in short-term debt instruments, making it ideal for those looking to park their funds safely while earning better than traditional savings accounts. This fund is suitable for individuals looking for liquidity and capital preservation, especially in uncertain market conditions.

Low-risk investment option
Ideal for short-term financial goals
Focus on capital preservation
Invests in high-quality debt instruments
Provides liquidity and easy access to funds

Investment Thesis

Franklin India Money Market Fund (W-IDCW) stands out due to its strong promoter credibility and robust track record in fund management. With the growing adoption of digital services in the financial sector, this fund is well-positioned for growth. Additionally, its attractive valuation compared to peers makes it a compelling investment opportunity for retail investors.

Strong backing from Franklin Templeton, a reputable global asset management firm.
Significant growth potential in digital financial services, enhancing fund accessibility.
Competitive expense ratios and performance metrics compared to industry peers.
Focus on capital preservation while offering decent returns in a low-interest-rate environment.
Ideal for conservative investors seeking liquidity and stability in their portfolio.

Opportunity vs Risk

Opportunities

Stable returns in low-interest environment
Diversification in fixed income portfolio
Potential for capital preservation
Liquidity for short-term needs

Risks ⚠️

Interest rate fluctuations impact returns
Credit risk from bond issuers
Market volatility affecting fund performance
Limited growth compared to equities

Peer Perspective

Franklin India Money Market Fund (W-IDCW) trades at a slight premium compared to peers like HDFC Money Market Fund and ICICI Prudential Money Market Fund. A rerating could occur with improved yield stability and consistent inflows.

📊 Stock Investment Checklist (100 Points)

Franklin India Money Market Fund(W-IDCW) • Updated: 2025-10-01 05:58:24

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 growth observed, but profit growth has been moderate.
10

Profitability
High

ROE and ROCE are acceptable, but OCF is not consistently higher than net profit.
10

Valuation
High

Valuation metrics are in line with peers, indicating fair pricing.
8

Balance
High

Debt levels are low, and liquidity is adequate, but reserves could be improved.
7

Governance
High

Promoter holding is stable, but there are some concerns regarding disclosures.
6

Drivers
Good

Growth drivers are present, but execution risks remain a concern.
5

Technicals
Good

Market sentiment is neutral with moderate liquidity.

Final Score & Verdict

Score 48 / 100 • Decent

The fund shows decent potential but is not without its risks. Investors should proceed with caution.