HealthyDirect · GrowthFit for a long SIP
Franklin India Multi Asset Allocation Fund
Franklin Templeton Mutual FundHybrid Scheme - Multi Asset Allocation1.3 years
The scheme seeks to generate long term capital appreciation by investing in equity and equity related instruments, debt & money market instruments and commodities.
- NAV
- 10.8696
- 4 Nov 2026
- 1Y
- +4.2%
- Trailing CAGR
- AUM
- ₹2,766.61 Cr
- 30 Sept 2026
- Volatility
- Medium
- 12.0% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 4 Nov 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Buy checklist
History depth
Fail
1.3 years - thin for judging consistency.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.56% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -11.5%. Ask whether you can hold through a similar fall.
Vs category
n/a
Category relative read still thin.
Manager tenure
Watch
Anuj Tagra · 0.1 years on the scheme.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 39.0% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 12%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
If you start a SIP here, diary a 90-day check and an annual review - don’t react to every NAV print.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+4.2%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- SI+6.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-1.2%
- 3Yn/a
- 5Yn/a
- 10Yn/a
- Since inception
- +6.8%
- Calendar-day CAGR
- Excess 1Y
- +0.6%
- Category median, same plan and option
- 3Y win rate
- n/a
- Windows beating the median
- 3Y percentile
- n/a
- Vs comparable share classes
- SIP 3Y XIRR
- n/a
- Simulated monthly SIP
- Worst rolling 3Y
- n/a
- 0 daily-ending windows
- Median rolling 3Y
- n/a
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -11.5%
- Worst peak-to-trough
- Current
- -5.2%
- Below last peak
- Current spell
- 279 days
- Days below latest peak
- Time below peak
- +85%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 14 recovered episodes
- Longest recovery
- 19 days
- Trough to prior peak
29 Jan 2026 – open
Trough 23 Mar 2026 · not recovered
-11.5%
17 Oct 2025 – 26 Nov 2025
Trough 7 Nov 2025 · recovered in 19 days
-2.1%
25 Aug 2025 – 8 Sept 2025
Trough 29 Aug 2025 · recovered in 10 days
-1.6%
18 Sept 2025 – 3 Oct 2025
Trough 26 Sept 2025 · recovered in 7 days
-1.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
32
Vs category
54
Consistency
0
Risk-adjusted
32
Drawdown
71
Mean
38
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 58 holdings · top 10 are 39.0%.
- Top 5
- 26.8%
- Top 10
- 39.0%
- Largest holding
- 14.1%
- Effective holdings
- 27.8
Nippon India ETF Gold BeES IDCW
Unspecified
14.1%
State Bank of India
Financial
3.3%
Nippon India Silver ETF - Growth
Unspecified
3.3%
HDFC Bank Ltd
Financial
3.2%
ICICI Bank Ltd
Financial
2.9%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
29 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
28 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
27 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
26 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
23 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
22 Oct 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
16 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Nippon India Multi Asset Allocation Fund
Nippon India Mutual Fund
- 1Y
- +5.7%
- 3Y
- +17.9%
- Vol
- 9.5%
- Max DD
- -10.8%
- Sharpe
- 1.12
- 3Y win
- +84%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
BANDHAN MULTI ASSET ALLOCATION FUND
Bandhan Mutual Fund
- 1Y
- +7.4%
- 3Y
- n/a
- Vol
- 9.2%
- Max DD
- -10.0%
- Sharpe
- 0.84
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Bank of India Multi Asset Allocation Fund
Bank of India Mutual Fund
- 1Y
- +5.7%
- 3Y
- n/a
- Vol
- 9.2%
- Max DD
- -9.4%
- Sharpe
- 0.40
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Quantum Multi Asset Allocation Fund
Quantum Mutual Fund
- 1Y
- -0.9%
- 3Y
- n/a
- Vol
- 7.7%
- Max DD
- -10.5%
- Sharpe
- 0.23
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Aditya Birla Sun Life Multi Asset Allocation Fund
Aditya Birla Sun Life Mutual Fund
- 1Y
- +6.9%
- 3Y
- +16.0%
- Vol
- 9.8%
- Max DD
- -12.8%
- Sharpe
- 0.99
- 3Y win
- +61%
- Lower volatility
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown · Higher TER