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(Previously known as Franklin India High Growth Companies Fund)

Introduction to the Fund

If you are looking for an open-ended as well as diversified equity mutual fund, look no further than Franklin India Focused Equity Fund. Franklin Templeton, a fund house that has the ability to manage some of India’s biggest and best performing funds, manages this specific fund. The AMC conducts extensive and in-depth research before investing the corpus. It has been performing fabulously since inception.

Franklin India Focused Equity Fund never fails to deliver. The fund invests in a diversified portfolio following well laid-out guidelines for investment. Investing in companies in different sectors having varied size and types, the fund keeps the corpus growing and flourishing, thus reaping high benefits for investors.

According to SEBI rules, the fund does not apply any entry load. Exit load is applied only when the investor opts to withdraw within 730 days of initial investment. The following are the minimum and maximum investments possible under the fund –

  • Minimum amount at entry - INR 5000
  • All subsequent investments - Minimum INR 1000
  • Subsequent investments in multiples of INR 1000

The above limits apply under both the SIP as well as open-ended option. Every new investment attracts a lock-in of 730 days to the extent of amount invested which means a penalty of 1% would be applied on the any investment amount that falls in a period 730 days prior to withdrawal.

Franklin India Focused Equity Fund Variants

Franklin India Focused Equity Fund is available both under the direct and regular plans. This means that you can invest either directly with the fund managers or through a third party. While the direct plan does not attract any commission, you may have to pay third-party commission under the regular plan.

Franklin India Focused Equity Fund invests 85% of its total assets into the equity market, which means that the major chunk of the fund would be subject to market risk. However, the fund has shown an overall positive performance so investors would be well advised to ride out any occasional dips in fund value.

Franklin India Focused Equity Fund is ideal for those looking for capital gains rather than dividend income. The following are the key features of the fund that make it attractive to investors –

  • You can grow your savings faster than most other investment options
  • The fund invests in high growth companies from diverse sectors and industries
  • The corpus is invested after a detailed growth/risk analysis and study of company growth.
  • All dividends as well as amount at maturity are free form income tax
  • The fund has shown a historical performance of growth without any significant dips so far

Mutual funds are subject to market risk and as such, those looking for security of capital investment must invest with caution.

The following is the growth trajectory of the fund –

Franklin India Focused Equity Fund (Regular)

PeriodFundNifty 500Nifty 50
Compounded Annualized Growth Rate Performance   
Last 1 Year-8.71%-2.12%4.61%
Last 3 Years9.58%12.29%12.47%
Last 5 Years19.11%14.60%12.89%
Last 10 Years20.37%16.17%15.25%
Last 15 Years--14.19%13.88%
Since Inception (26/07/2007)12.39%9.15%9.04%
Current Value of Standard Investment of Rs 10,000   
Last 1 Year9,124.159,786.3510,463.82
Last 3 Years13,162.0014,162.0014,230.00
Last 5 Years23,989.0019,771.0018,342.00
Last 10 Years63,911.0044,818.0041,390.00
Last 15 Years------
Since Inception (26/07/2007)38,050.0027,225.0026,908.00

The best way to invest in Franklin India Focused Equity Fund is to create an online account with the fund managers and invest directly – Franklin India Focused Equity Fund (Direct). This option is the easiest, and the least expensive.

Alternatively, you can invest through an agent or broker under the regular plan. You may have to pay a commission to the third party but it would perhaps be more convenient if you have a substantial portfolio and need someone to manage it for you.

The procedure for application is simple – just fill out the application form and submit it along with all your KYC documents. You will have to select all your options at outset – whether you would like to open an SIP or invest as and when you have funds available. In addition, whether or not you would like to reinvest the dividends into the fund.

Under the SIP option, you can opt for ECS payment through your bank account, which makes it even simpler.

1) Can I apply for Franklin India Focused Equity Fund if I am under 18?

All Indian residents above 18 years of age can apply for Franklin India Focused Equity Fund. Individuals below 18 may invest as minors represented by parents.

2) When will I receive a dividend on my investment?

Dividends are declared annually depending on the return on corpus. Under the dividend option, the dividend is paid out immediately while under the growth option the dividend is reinvested into the fund.

3) How do I receive my dividend?

You can opt to receive dividends as a direct credit to your bank account or receive it by check. Under the Green India movement, most companies are encouraging the direct debit option, which involves less use of paper.

4) What are my tax liabilities under the fund?

The following are the tax liabilities applicable under the fund -

  • Long-term capital gains (LTCG) as applicable under the Income Tax Act.
  • Short-term capital gains (STCG) as applicable under the Income Tax Act.
  • Though dividends are exempt from tax, a Dividend Distribution Tax (DDT) is deducted at the time of disbursal of dividend. Currently it stands at 11.648% (10% + 12% surcharge + 4% Health & education cess). The amount is subject to change by the fund managers at any time.
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