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Franklin India Liquid Fund is a debt mutual fund that aims to provide current income with high liquidity through 100% investment in debt and money market instruments. This comprehensive guide covers everything you need to know about investing in this liquid fund.
The investment objective of the scheme is to provide current income along with high liquidity. The fund achieves this through 100% investment in debt and money market instruments.
Liquid funds invest in bonds having maturity of up to three months. This strategy makes Franklin India Liquid Fund suitable for investors looking to park surplus funds for short periods while earning better returns than traditional savings accounts.
The fund follows a conservative investment approach focusing on:
- Short-term debt instruments with high credit quality
- Money market securities offering immediate liquidity
- Maintaining minimal credit and interest rate risk
- Preserving capital while generating steady returns
The fund is suitable to park the amount you have set aside to meet any emergency needs or any surplus money that you don't need for a few weeks up to a year.
The fund is currently managed by Pallab Roy & Chandni Gupta (w.e.f. April 30, 2024). Pallab Roy and Rohan Maru are also mentioned as fund managers in recent reports.
Pallab Roy has been associated with Franklin Templeton Investments since 2001. Mr. Roy is a M.Com and MBA (Finance).
Rohan Maru is M.Com and MBA in Finance. Prior to joining Franklin India Mutual Fund, he has worked with ICICI Prudential Mutual Fund, Kotak Mahindra AMC as Fixed Income Dealer and Integreon Managed Solutions as a Research Associate.
The experienced fund management team brings decades of expertise in fixed income markets and debt fund management.
Franklin Resources, Inc. is an American multinational investment management holding company that, together with its subsidiaries, is referred to as Franklin Templeton; it is a global investment firm founded in New York City in 1947.
Franklin Templeton Mutual Fund commenced its operations in India in 1996 under the name Templeton Asset Management India Pvt. Limited. It received registration from the Securities and Exchange Board of India (SEBI) in February of the same year.
The company made its foray into the mutual fund arena with the launch of Templeton India Growth Fund, now known as Templeton India Value Fund in November 1996.
As of December 2023, the fund house manages assets averaging Rs. 79 thousand crores.
Franklin Templeton is known for:
- Strong global presence with over 75 years of investment management experience
- Expertise across various asset classes including fixed income
- Conservative investment philosophy emphasizing capital preservation
- Robust research and risk management capabilities
In 2002, Franklin Templeton acquired Pioneer ITI AMC Ltd., a joint venture between Pioneer and the Investment Trust of India, making it the largest mutual fund in India after Unit Trust of India.
Franklin India Liquid Fund can be suitable for you if:
You should consider investing if:
- You have surplus cash requiring parking for short durations (weeks to one year)
- You need emergency fund allocation with better returns than savings accounts
- You prefer low-risk investments with high liquidity
- You want to avoid volatility while preserving capital
Investment considerations:
- The fund has delivered 6.76% returns since inception over its 27 years 0 months track record
- The 1-year, 3-year and 5-year returns of this fund were 7.35, 6.82 and 5.44 respectively as per available data
- The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital
Key advantages:
- No lock in period in the fund
- Professional management by experienced fund managers
- Low expense ratio for cost-effective investing
- High liquidity for quick redemptions
Remember, these funds are geared to deliver only marginally higher returns than your bank account and are designed for capital preservation rather than wealth creation.
The NAV varies daily based on market conditions. Check Allvest platform for the most current NAV or visit the fund house website for real-time updates.
The fund has an Asset Under Management (AUM) of ₹2,002.44 crores as on April 30, 2025.
The expense ratio of Franklin India Liquid Fund - Regular Plan is 0.20%. Direct plans typically have lower expense ratios.
The fund has delivered 6.76% returns since inception over its 27-year track record.
The minimum investment required is ₹500 for the SIP (Systematic Investment Plan) option, though this may vary across different plans.
You can invest through Allvest by completing your KYC, selecting the fund, choosing investment amount and payment method. Alternatively, invest directly through the fund house website or authorized distributors.
Login to Allvest platform, search for Franklin India Liquid Fund, select SIP option, choose amount and frequency, complete mandate setup and payment authorization.
Set up auto-debit mandate through Allvest or your bank for automatic monthly investments. This ensures regular investments without manual intervention.
Access your Allvest account, go to portfolio section, select Franklin India Liquid Fund, choose redemption amount and submit request. Funds typically credit within 1-2 business days.
Clients/Investors to abstain them from dealing in any schemes of unauthorised collective investments / portfolio management, indicative/ guaranteed/fixed returns / payments etc.
Sr. No
Name of KMP
Designation
Mobile Number
Email ID
2.
Mr. Amit Bansal
Designated Director /
Compliance Officer