Franklin Templeton Mutual Funds - A Complete Guide of 2025
Franklin Templeton Mutual funds are a renowned wealth management company in India, and it has a diverse range of investments to satisfy the needs of various investors. Mutual funds such as Franklin Templeton have become a mass appeal among new and experienced investors due to the growing popularity of financial planning in 2025 and the growth of the middle-income group.
This company belongs to Franklin Resources Inc. which is a US-based global investment company that has been serving investors globally over decades. Franklin Templeton began its operations in India in 1996, and has since established itself as one of the most reliable mutual fund firms. Their multi-asset approach, wide range of risk types, and diversified offerings attract both retail and HNI clients as well as institutional clients.
Reasons to consider Franklin Templeton Mutual Funds in 2025?
Franklin Templeton has been a company with a reputation of consistent performance, a strong research-oriented strategy and international competence. They offer their schemes under equity, debt, hybrid, and solution-based schemes. By 2025, when more individuals would require personalized investments and goal-based planning, Franklin Templeton will be relevant to both short term and long-term objectives, due to its strong offerings.
Digital convenience, long-established track records, and effective customer support are the factors that are sought by Indian investors today. Online account management, disclosed portfolio and skilled fund management team qualify Franklin Templeton to tick these boxes.
Suggestive Characteristics or Strengths of Franklin Templeton Mutual Funds
- More than 25 years experience in India and over 75 years of global experience.
- Broad portfolio of funds in equity, debt, and hybrid as well as tax saving.
- Dedicated to research based investment process and in-house analysts.
- Easy investment using online platforms and application.
- Frequent reporting on the portfolio.
- There are goal-oriented tools and SIP calculators.
- Customer care in various Indian languages.
- Different risk appetite custom asset allocation strategies.
Did you know? Franklin Templeton became one of the first AMCs to open global funds in India and the Indian investors could now have access to international markets.
Which are the best schemes at Franklin Templeton Mutual Funds?
Franklin Templeton has a variety of schemes that can be used to achieve various financial goals:
- Franklin India Bluechip Fund: Long term, large cap equity fund.
- Franklin India Flexi Cap Fund: Capped exposure to markets of various capitalization.
- Franklin India Smaller Companies Fund: High growth mid and small cap.
- Franklin India Ultra Short Bond Fund: Suits individual with preference to short duration investments in debt.
- Franklin India Taxshield: Deluxe ELSS to save tax in section 80C.
Each plan has a different investment philosophy and the choice is made depending on the risk appetite, horizon and objectives.
People also pose the question: What are the services that Franklin Templeton Mutual Fund provides in India?
Franklin Templeton offers equity funds in India, debt funds, hybrid funds, tax saving schemes, sector/thematic funds and international funds.
Performance Track record of Franklin Templeton mutual funds
The funds of Franklin Templeton have been widely known as ones with a regular performance particularly in the equity and hybrid classes. By the beginning of 2025, some of their funds are above benchmarks in 3 and 5 years.
- The 3 year CAGR of Franklin India Flexi Cap Fund stood at 15.8 percent against the Nifty 500 TRI 12.2 percent.
- The Franklin India Bluechip Fund also performed better than its category by 13.7 percent within 3 years.
The performance may however be different in schemes and periods. History, such as the closing of the debt fund in 2020 has caused investors to be more careful, although advances in internal risk structures are evident.
Table: Comparison of the performance (as on Jan 2025, returns in percent per annum)
| Name of Scheme | 3 Year CAGR | 5 Year CAGR | Benchmark 3Y |
|---|---|---|---|
| Franklin India Flexi Cap Fund | 15.8 | 14.1 | 12.2 |
| Franklin India Bluechip Fund | 13.7 | 13.0 | 11.4 |
| Franklin India Smaller Companies | 19.4 | 17.2 | 15.0 |
| Franklin India Ultra Short Bond | 6.5 | 6.9 | 6.1 |
Advantages and Disadvantages of Franklin Templeton Mutual funds
Pros
- Broad product selection to all types of investors.
- Open revelations and electronic comfort.
- Well-established fund managers and a powerful in-house research team.
- SIP and STP systems to do systematic investments.
- Plans that have a good history of long term performance.
- Global funds to international diversification.
Cons
- Not many schemes are influenced by the occurrence of debt funds in the past, so one should be very particular in the choice of the scheme.
- Reduced short-term performance of certain types of debts because of previous problems.
- Certain plans can be costlier than passive plans.
Experts opinion: Financial advisors work 2025 observe that due to the renewed concentration of internal risk measurements in Franklin Templeton, there is an increased orientation towards liquidity and the quality of portfolios, particularly in fixed income plans.
Comparison of Tax savings and ELSS funds?
Franklin India Taxshield is a competitive ELSS since it saves tax under the section 80C. Taxshield has been able to sustain above average returns at a moderate risk profile compared to other alternatives.
Table: Comparable ELSS (as on Jan 2025)
| Fund Name | 3 Year Return (%) | 3 Year Lock-in Period | Risk Level |
|---|---|---|---|
| Franklin India Taxshield | 12.2 | 3 years | Moderate |
| Axis Long Term Equity | 13.1 | 3 years | Moderate |
| Aditya Birla Tax Relief | 11.8 | 3 years | Moderate |
| HDFC Taxsaver | 11.6 | 3 years | High |
Who is Franklin Templeton Mutual Funds?
Franklin Templeton plans are appropriate to:
- Young investors who want the convenience of the digital generation and brand loyalty.
- Sophisticated investors who will want to invest in active funds which are research oriented.
- Those investors who wish to diversify internationally through international schemes.
- ELSS that are stable and sought after by tax savers.
- Those retiring who would or will want to use systematic withdrawal programs of either debt or hybrid funds.
- Long-term wealth creators clients of SIP.
How Should you Invest in Franklin Templeton Mutual Funds in 2025?
Investment in Franklin Templeton fund mutual funds has become easy and online. Investors can:
- Go to the actual site or install Franklin Templeton India application.
- Easily get on boarded using KYC compliant platforms such as Groww, Zerodha Coin, Paytm Money.
- Select SIP, lump sum or STP as convenience.
- Check their statements and view funds online.
Most schemes have minimum investment of 1000 lump sum or 500 SIP and are therefore affordable to all.
What is Safety and Regulation Franklin Templeton Mutual Funds?
Franklin Templeton Mutual Fund is not an exception and all SEBI registered AMCs are subject to strict regulatory norms. Trustees, custodians and SEBI regularly monitor all schemes.
Safety is also ensured by:
- Isolate client assets of operations.
- Open disclosure of NAV and portfolio.
- Frequent compliance audits.
Nevertheless, investors should be aware that they can take risks of market through mutual funds. Informed research selection Scheme selection on informed research and risk appetite is still important.
Did you know? Following the 2020 debt debacle, Franklin Templeton has collaborated extensively with SEBI, which has increased transparency and liquidity of the portfolio in all debt schemes in 2025.
Comparison Table (as of January 2025)
| Feature | Franklin Templeton | HDFC MF | SBI MF | ICICI Prudential MF |
|---|---|---|---|---|
| Year Started India | 1996 | 2000 | 1998 | 1993 |
| Number of Schemes | 24 | 38 | 56 | 52 |
| AUM (Crore) | 112000 | 527000 | 646000 | 626000 |
| International Funds | Yes | Yes | Limited | Yes |
| Distinct Strength | International exp. | Massive AUM | Retail orientation | Asset management |
Franklin Templeton has a good reputation regarding its global understanding and research-based strategy. They have a smaller AUM than HDFC or SBI, but are focused on quality, and not quantity. Global themed funds presence is a distinct advantage, in comparison to a lot of domestic competitors.
What is the Customer experience of Franklin Templeton in India?
The mutual funds business is very competitive in 2025 and customer experience is one of the differentiating factors. Franklin Templeton has:
- Improved its mobile portfolio tracking and transaction app.
- Increased customer services such as multi-language call lines.
- Open redress grievance procedure.
- Their online programs have enabled investors to redeem their funds, switch or set alerts in just minutes.
Is Franklin Templeton mutual fund safe among beginners?
Yes Franklin Templeton is SEBI regulated, has a high track record, and it has schemes that first-time investors can join, but investors need to select schemes according to their goals and risk-taking.
Common Charges and Cost ratios
All mutual funds are associated with management charges and operating expenses. The expense ratios of Franklin Templeton depend on the scheme and type of investment, which are typically in a range of 0.30 percent to 2.20 percent per year.
Direct plans are less expensive than the regular plans and thus are preferred by self-directed investors.
What Paperwork Is required to begin Investing?
In order to begin investing in Franklin Templeton Mutual Funds you require:
- KYC PAN Card and Aadhaar Card.
- Show evidence (may be Aadhaar or utility bills).
- Bank information to connect investment.
- Online account access using email and mobile.
On the internet, you can open your first SIP in less than 15 minutes, assuming that you are KYC compliant.
Expert opinion: Digital onboarding in 2025 is seamless and quicker owing to the changing regulations and enhanced incorporation of Aadhaar verification, as opined by experts in wealth management.
What Are the Awards and Recognitions?
Franklin Templeton Mutual Funds have also been awarded in the last 10 years as the best equity fund house, the best debt fund house and the investor education programs.
They have continued to feature in the best AMFI and CRISIL lists in terms of performance and transparency of their funds, and this has enhanced investor confidence.
Another question that people will ask is: Which Franklin Templeton fund is the best?
The Franklin Templeton fund of choice is based on your objectives. In the case of equity, the Bluechip funds and Flexi Cap are popular. Taxshield ELSS is one of the most popular options as far as tax saving is concerned.
Should You Choose SIP or Lump sum?
- SIP (Systematic Investment Plan): Best to invest in rupee and build long term wealth.
- Lump sum: Appropriate in case of underestimation of the markets or in case you possess significant amount of investable surplus.
SIP is suggested by most advisors to beginners because it reduces the risks of market timing and develops discipline in the financial process.
Tracking and Swapping your investments without problems?
Franklin Templeton provides convenient dashboards in which you can:
- View your portfolio value and history of returns.
- Get download statements on all transactions.
- Redem or change funds immediately.
- Install more SIPs or STPs to have better portfolio management.
Their better digital platforms make it easy to monitor your investments in 2025.
In a Nutshell of Franklin Templeton Mutual Funds
- Franklin Templeton is a worldwide recognized AMC of 25 years in India.
- Has an extensive assortment of funds such as popular equity, debt, hybrid and ELSS.
- Good digital presence, better risk management, and better transparency since 2020.
- Perfect in long term, diversified investment and systematic wealth creation.
- Competitive performance, but investors have to be wise in selection of schemes.
Another question that people have been asking is; How do I pull out money with Franklin Templeton Mutual Fund?
You can redeem money via the site, mobile App or your distributor platform. The balance is deposited to your bank account that is attached with the scheme according to the scheme processing schedules, most of the time and in most cases within 1-3 working days.
Another question that people pose is: Franklin Templeton Mutual Fund is good in SIP?
That is true, most of its equity funds and hybrid funds can be systematically invested in SIPs, due to long-term track record.
Another question people would pose is: How much money is the minimum amount invested in Franklin Templeton?
Depending on the scheme of choice, the minimum begins as low as Rs 500 per month in SIP and 1000 in lump sum.
TLDR or Quick Recap
The Franklin Templeton Mutual Funds 2025 gives Indian investors a broad selection of researched funds, open dealing and international experience. Their products have been tailored to various objectives, whereby there is digital access and enhanced risk controls. Best suited to serious long-term investment, Franklin Templeton is still a winning choice, but you must carefully choose the scheme to suit your needs.
Sources
- Official mutual fund / AMC webpage.
- Association of mutual funds in India Official Site.
- Mutual Fund Reviews Franklin Templeton.
- ET Money Franklin Templeton Mutual Funds / Company Page.
