Franklin India Flexi Cap Fund: ₹10,000 Becomes ₹17 Lakh, ₹2,000 SIP Turns into ₹3.5 Crore in 31 Years

Franklin India Flexi Cap Fund has proved to be a consistent performer over the long term. Launched in 1994, the fund has completed more than 31 years and rewarded patient investors across different market cycles. It has consistently beaten its benchmark, the Nifty 500, highlighting the benefits of staying invested for the long haul.

Lumpsum Returns: Small Investment, Big Growth

A lumpsum investment of ₹10,000 made at launch has grown to nearly ₹17 lakh, translating into an annualised return of around 18% over 31 years. Even a ₹1 lakh investment at launch is now worth close to ₹1.68 crore, clearly showing the power of compounding over time.

SIP Returns: Discipline Pays Off

The fund’s SIP performance is even more striking. A ₹2,000 monthly SIP, started at launch and continued for 31 years, has grown into a corpus of around ₹3.5 crore. The total amount invested through SIP during this period was just ₹7.48 lakh, while annualised SIP returns stood at nearly 19.6%.

Performance Across Time Periods

The fund has delivered steady returns across different horizons. Over the last 15 years, it generated returns of over 14% CAGR, while the 5-year return stands above 21% CAGR. This consistency makes it attractive for long-term investors.

How the Fund Invests

Franklin India Flexi Cap Fund invests across large-cap, mid-cap and small-cap stocks. The fund manager has full flexibility to shift allocations based on market opportunities. This approach helps the fund adapt to changing market conditions and focus on value and growth wherever they appear.

Portfolio Snapshot

The fund’s portfolio is diversified, with major exposure to banks, IT, telecom, construction and automobiles. Top holdings include HDFC Bank, ICICI Bank, Bharti Airtel, Larsen & Toubro and Reliance Industries, providing a balance of stability and growth.

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Who Is This Fund Suitable For?

This fund suits investors who have a long-term horizon, can tolerate market ups and downs, and want to build wealth gradually through disciplined investing, especially via SIPs.

Conclusion

Franklin India Flexi Cap Fund clearly shows how time, discipline and compounding can create massive wealth. While past returns may not repeat, its long track record highlights why staying invested for decades can make a meaningful difference to long-term financial goals.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.