Should I invest in HSBC Flexi Debt Fund-Regular. Fortnightly Dividend?

We don't give personal investment advice. HSBC Flexi Debt Fund-Regular. Fortnightly Dividend is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.1%. 5-year CAGR: 6.63%.

HSBC

HSBC Flexi Debt Fund-Regular. Fortnightly Dividend

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.00%	-14.54%	+14.54	92 / 373	Q1
1W	-0.06%	-15.89%	+15.83	134 / 369	Q2
2W	-0.03%	-15.78%	+15.75	126 / 371	Q2
1M	+0.29%	-16.05%	+16.34	93 / 373	Q1
3M	+1.05%	-17.27%	+18.32	102 / 366	Q2
6M	+1.90%	-30.18%	+32.08	122 / 393	Q2
YTD	+0.53%	-32.85%	+33.39	141 / 414	Q2
1Y	-0.94%	-15.79%	+14.85	220 / 309	Q3
2Y	+2.83%	-13.41%	+16.24	45 / 142	Q2
3Y	+5.03%	-6.89%	+11.92	27 / 95	Q2
4Y	+6.47%	+2.81%	+3.66	22 / 84	Q2
5Y	+6.63%	+2.94%	+3.69	20 / 76	Q2
7Y	+4.05%	+2.77%	+1.28	25 / 67	Q2
10Y	+3.52%	+2.81%	+0.72	15 / 38	Q2
Inception	—	—	—	—	—

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2018 YTD	+0.53%	+2.69%	-2.16	14 / 23
2017	+0.66%	+2.12%	-1.46	18 / 30
2016	+11.12%	+3.89%	+7.23	6 / 45
2015	+5.69%	+2.84%	+2.84	20 / 66
2014	+11.09%	+4.08%	+7.02	5 / 76
2013	-2.02%	+2.34%	-4.36	68 / 76
2012	+0.66%	+3.72%	-3.06	46 / 78
2011	-0.10%	+3.23%	-3.32	63 / 66
2010	-0.91%	-11.73%	+10.82	96 / 132
2009	-2.00%	-33.69%	+31.69	178 / 316
2008	+9.57%	-14.40%	+23.97	14 / 119

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+3.64%

121 windows

min -2.9% · max 14.1%

75% positive

3-Year rolling

+3.39%

96 windows

min -1.0% · max 10.3%

81% positive

5-Year rolling

+3.08%

72 windows

min 0.0% · max 6.6%

99% positive

7-Year rolling

+3.27%

48 windows

min 1.7% · max 4.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

4.33%

3-year · annualised

Sharpe ratio

-0.35

vs risk-free 6.5%

Sortino ratio

-0.64

Downside-only deviation

Max drawdown

-4.13%

Nov 2016 → Mar 2017

% positive months

63.9%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
27 Aug 2018	₹14.2003
24 Aug 2018	₹14.2009
23 Aug 2018	₹14.1988
21 Aug 2018	₹14.2188
20 Aug 2018	₹14.2092
16 Aug 2018	₹14.1900
14 Aug 2018	₹14.2086
13 Aug 2018	₹14.2046
10 Aug 2018	₹14.2251
9 Aug 2018	₹14.2227

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

HSBC Flexi Debt Fund-Regular. Fortnightly Dividend is a Income from HSBC (Regular plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

HSBC Flexi Debt Fund-Regular. Fortnightly Dividend has NAV history starting from 10 Oct 2007, a track record of about 18 years 8 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

HSBC Flexi Debt Fund-Regular. Fortnightly Dividend is managed by HSBC. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Flexi Debt Fund-Regular. Fortnightly Dividend has delivered a absolute return of -0.94% — +14.85 pp ahead of the Income category average of -15.79%. The fund ranks #220 of 309 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC Flexi Debt Fund-Regular. Fortnightly Dividend has delivered a CAGR of 5.03% — +11.92 pp ahead of the Income category average of -6.89%. The fund ranks #27 of 95 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Flexi Debt Fund-Regular. Fortnightly Dividend has delivered a CAGR of 6.63% — +3.69 pp ahead of the Income category average of 2.94%. The fund ranks #20 of 76 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Flexi Debt Fund-Regular. Fortnightly Dividend exactly 10 years ago would be worth approximately ₹141,379 today — a multiplier of 1.41×, based on the 10-year CAGR of 3.52%. The category average over the same window would have grown ₹1 lakh to ₹131,897.

A ₹10,000 monthly SIP in HSBC Flexi Debt Fund-Regular. Fortnightly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹680,887 today. That's an XIRR (money-weighted annualised return) of 5.00%.

A ₹10,000 monthly SIP for 10 years in HSBC Flexi Debt Fund-Regular. Fortnightly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,476,214 (multiplier 1.23×). XIRR: 4.06%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Flexi Debt Fund-Regular. Fortnightly Dividend ranks #20 out of 76 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.94%; this fund delivered 6.63%.

The worst peak-to-trough decline HSBC Flexi Debt Fund-Regular. Fortnightly Dividend has experienced over the last 5-year window is 4.13% — its NAV fell from a high on 24 Nov 2016 to a low on 10 Mar 2017. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, HSBC Flexi Debt Fund-Regular. Fortnightly Dividend averaged 3.08% (best 6.63%, worst -0.05%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is -0.04 — negative risk-adjusted performance.

In calendar year 2017, HSBC Flexi Debt Fund-Regular. Fortnightly Dividend returned 0.66% — lagging the Income category average of 2.12% by 1.46 pp. It ranked #18 of 30 in its category that year.

HSBC Flexi Debt Fund-Regular. Fortnightly Dividend is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. HSBC Flexi Debt Fund-Regular. Fortnightly Dividend is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 4.1%. 5-year CAGR: 6.63%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.