Franklin India Overnight Fund
Ticker: mf13288
Decent
68/100
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Business Overview
The Franklin India Overnight Fund is a debt mutual fund designed for investors seeking a safe and liquid investment option. It primarily invests in overnight securities, making it ideal for conservative investors looking for short-term parking of funds. This fund offers stability and aims to provide better returns than traditional savings accounts, while maintaining high liquidity. It's perfect for those who want to manage cash flow efficiently without compromising on returns.
- Ideal for conservative investors
- Focuses on overnight securities
- Offers high liquidity
- Potentially better returns than savings accounts
- Suitable for short-term investment needs
Investment Thesis
Franklin India Overnight Fund stands out due to its strong promoter credibility, robust digital services growth potential, and attractive valuation compared to peers. This combination positions the fund as a compelling investment opportunity for Indian retail investors seeking stability and growth.
- Strong backing from Franklin Templeton, enhancing trust and reliability.
- Significant growth potential in digital services, catering to evolving investor needs.
- Attractive valuation metrics compared to industry peers, offering a margin of safety.
- Focus on overnight liquidity, appealing to conservative investors.
- Proven track record of performance and risk management strategies.
Opportunity vs Risk
Opportunities
- Low expense ratio
- Potential for stable returns
- Liquidity for short-term needs
- Diversified portfolio exposure
Risks ⚠️
- Interest rate fluctuations
- Market volatility impact
- Limited growth potential
- Credit risk from debt instruments
Peer Perspective
Franklin India Overnight Fund trades at a slight premium compared to peers like HDFC Overnight Fund and ICICI Prudential Overnight Fund. A consistent improvement in yield stability could catalyze a rerating in its valuation.
📊 Stock Investment Checklist (100 Points)
Franklin India Overnight Fund • Updated: 2025-09-29 12:15:39
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10BusinessHighThe fund operates in a stable sector but lacks a significant competitive edge.
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10GrowthHighConsistent revenue growth, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent.
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8ValuationHighValuation metrics are in line with peers but show limited upside.
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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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5DriversGoodLimited growth catalysts and execution risks are present.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
The Franklin India Overnight Fund shows decent potential but faces challenges in profitability and growth drivers.