Franklin India Floating Rate Fund(IDCW)
Ticker: mf16682
Decent
56/100
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Bandhan G-Sec-Constant Maturity Plan(P-IDCW)
The stock presents a decent investment opportunity but with notable risks and limited growth potential.
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Bandhan G-Sec-Constant Maturity Plan(W-IDCW)
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Bandhan G-Sec-Constant Maturity Plan(Q-IDCW)
The stock presents several risks with limited growth potential and profitability concerns, making it a risky investment.
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The stock presents a decent investment opportunity but is not without its risks. Caution is advised.
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Business Overview
Franklin India Floating Rate Fund (IDCW) is a dynamic debt mutual fund designed to provide investors with the potential for steady income while managing interest rate risk. Ideal for conservative investors seeking regular income, this fund invests primarily in floating rate instruments, ensuring that returns are aligned with changing interest rates. With a focus on capital preservation and liquidity, it serves as a suitable option for those looking to diversify their portfolio with lower volatility.
- Dynamic investment strategy
- Focus on floating rate instruments
- Ideal for conservative investors
- Potential for steady income
- Capital preservation and liquidity
- Diversifies investment portfolio
Investment Thesis
Franklin India Floating Rate Fund (IDCW) stands out due to its strong promoter credibility and robust digital services growth potential. With attractive valuations compared to peers, this fund presents a compelling investment opportunity for retail investors seeking stability and growth in a fluctuating interest rate environment.
- Backed by Franklin Templeton, a globally recognized asset management firm.
- Strong focus on digital services enhances accessibility and investor engagement.
- Floating rate instruments provide a hedge against rising interest rates.
- Valuations are favorable compared to similar funds, offering potential upside.
- Consistent performance track record instills investor confidence.
Opportunity vs Risk
Opportunities
- Stable income during interest rate fluctuations
- Diversified portfolio reduces risk exposure
- Suitable for conservative investors
- Potential for capital appreciation
- Tax efficiency for long-term investors
Risks ⚠️
- Interest rate hikes may impact returns
- Market volatility affects fund performance
- Credit risk from underlying securities
- Limited growth compared to equity funds
- Liquidity risk in adverse market conditions
Peer Perspective
Franklin India Floating Rate Fund trades at a slight premium compared to peers like HDFC Floating Rate Fund and ICICI Prudential Floating Rate Fund. A stable interest rate environment could trigger a rerating driven by improved margin stability.
📊 Stock Investment Checklist (100 Points)
Franklin India Floating Rate Fund(IDCW) • Updated: 2025-10-01 02:43:05
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10BusinessHighFloating rate funds are generally considered future-ready due to their adaptability to interest rate changes.
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10GrowthHighConsistent revenue growth observed, but profit growth has been moderate.
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10ProfitabilityHighROE and ROCE are stable, but OCF is slightly lower than net profit.
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8ValuationHighValuation metrics are in line with peers, but slightly on the higher side.
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7BalanceHighDebt levels are manageable, with adequate reserves and liquidity.
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6GovernanceGoodPromoter holding is decent, but some concerns regarding pledging.
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5DriversGoodGrowth drivers are present, but execution risks remain.
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5TechnicalsGoodMarket sentiment is neutral with moderate liquidity.
Final Score & Verdict
Score 56 / 100
• Decent
The fund shows decent potential with a stable growth outlook, but investors should be cautious of execution risks and market conditions.