Best Mutual Fund: 20 year old fund created a stir, those doing monthly SIP of ₹ 10,000 became owners of ₹ 1.2 crore!

New Delhi. If you want to understand the power of investing, then this new data from Franklin Templeton Mutual Fund may surprise you. This scheme has proven how it can create a huge corpus of long-term investment amid market fluctuations. Franklin Templeton Mutual Fund shared its two decades of data as the fund recently completed 20 years. At present the assets under management of this fund has crossed Rs 2,300 crore. Initially the name of this fund was Templeton India Equity Income Fund. It uses a dividend yield-focused investment strategy. This clearly means that this fund mainly invests in shares of those companies which have high dividend yield. Let us know how much profit those who invested in this would have received so far?

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What is the name of this fund and how it works?

Its name is Franklin India Dividend Yield Fund, which was earlier known as ‘Templeton India Equity Income Fund’. Due to this track record of success, today the total asset under management (AUM) of this fund has crossed ₹ 2,300 crore.

How much return did you get in 20 years?

If an investor had started a monthly SIP of ₹10,000 in this fund 20 years ago, today his total corpus would have increased to ₹1.2 crore. That means in these 20 years the investor would have invested ₹24 lakh and would have got ₹1.2 crore in returns. Whereas if someone had invested Rs 1 lakh in this fund at once for 20 years, then today its value would have increased to ₹ 13.6 lakh.

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Left Nifty also behind

This fund performed brilliantly in terms of returns. This fund has earned more profits for investors than the index. Since inception, this fund has given an annual compounded return (Compound Annual Growth Rate) of 13.97%. If we compare this with the benchmark index, in the same 20 year period, an investment of ₹ 1 lakh in ‘Nifty 500 Total Return Index’ (Nifty 500 TRI) increased to ₹ 10.3 lakh, which gave a CAGR return of 12.39%.

How does this fund work?

Mainly this scheme works on ‘Dividend Yield-Focused Investment Strategy’ only. This means that the fund manager mainly chooses shares of only those companies which have an excellent record of paying dividends and which have high dividend yield.

According to Rajesh Kakulavarapu, portfolio manager of this fund, the main objective of this fund is to protect investors’ money during market downturn and to provide the benefit of compounding in the long term.

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Where does this fund invest?

This fund does not invest all the money in any one sector, but invests in companies with different market caps. Its portfolio includes sectors like Banking & Financial Services, Power & Energy, IT, FMCG, Automobile, Telecom, Consumer Durables as well as Aerospace and Defence. However, it does this to reduce the risk. This fund also invests outside the country. According to the data of April 2026, about 8% of its money was invested in foreign markets like America, South Korea and Taiwan. Additionally, it has over 9% invested in 4 listed real estate investment trusts (REITs). During the last 12 months, an average of 54% of this fund’s money was invested in large cap companies.