Should I invest in HSBC Floating Rate Fund - Long Term - Inst.?

We don't give personal investment advice. HSBC Floating Rate Fund - Long Term - Inst. - Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.2%. 5-year CAGR: 8.77%.

HSBC

HSBC Floating Rate Fund - Long Term - Inst. - Growth

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	+0.02%	-8.69%	+8.70	5 / 23	Q1
1W	+0.11%	-8.62%	+8.73	11 / 23	Q2
2W	+0.22%	-8.56%	+8.78	7 / 23	Q2
1M	+0.47%	-8.48%	+8.94	7 / 23	Q2
3M	+1.69%	-7.99%	+9.68	5 / 23	Q1
6M	+3.37%	-7.23%	+10.61	4 / 23	Q1
YTD	+2.64%	-14.84%	+17.48	5 / 25	Q1
1Y	+7.36%	-17.92%	+25.28	4 / 24	Q1
2Y	+7.97%	-17.12%	+25.09	2 / 25	Q1
3Y	+8.42%	-29.96%	+38.38	1 / 31	Q1
4Y	+8.54%	-22.63%	+31.17	1 / 28	Q1
5Y	+8.77%	-18.05%	+26.82	1 / 24	Q1
7Y	+7.91%	+3.72%	+4.19	2 / 16	Q1
10Y	+8.09%	+3.75%	+4.34	3 / 10	Q2
Inception	+8.06%	-27.72%	+35.78	3 / 30	Q1

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
2016 YTD	+2.64%	+2.87%	-0.23	5 / 12
2015	+8.09%	+3.98%	+4.11	2 / 14
2014	+8.73%	+3.53%	+5.20	3 / 18
2013	+9.00%	+3.32%	+5.69	2 / 20
2012	+9.61%	+3.06%	+6.55	3 / 18
2011	+9.04%	-5.64%	+14.68	3 / 21
2010	+5.42%	-19.63%	+25.05	1 / 23
2009	+5.74%	-7.48%	+13.22	3 / 21
2008	+9.43%	-0.77%	+10.20	4 / 20
2007	+9.01%	-7.74%	+16.76	1 / 19
2006	—	—	—	—

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

+8.21%

112 windows

min 4.5% · max 9.9%

100% positive

3-Year rolling

+8.11%

88 windows

min 6.7% · max 9.3%

100% positive

5-Year rolling

+8.08%

63 windows

min 7.4% · max 8.9%

100% positive

7-Year rolling

+8.09%

39 windows

min 7.9% · max 8.2%

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

0.43%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.21%

Jul 2013 → Jul 2013

% positive months

100.0%

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
24 May 2016	₹23.6781
23 May 2016	₹23.6742
20 May 2016	₹23.6628
19 May 2016	₹23.6588
18 May 2016	₹23.6550
17 May 2016	₹23.6518
16 May 2016	₹23.6485
13 May 2016	₹23.6366
12 May 2016	₹23.6330
11 May 2016	₹23.6291

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 Floating Rate Fund - Long Term - Inst. - Growth is a Floating Rate from HSBC (Unknown 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 Floating Rate Fund - Long Term - Inst. - Growth has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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 Floating Rate Fund - Long Term - Inst. - Growth is managed by HSBC. It's classified by AMFI under the 'Floating Rate' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Floating Rate Fund - Long Term - Inst. - Growth has delivered a absolute return of 7.36% — +25.28 pp ahead of the Floating Rate category average of -17.92%. The fund ranks #4 of 24 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HSBC Floating Rate Fund - Long Term - Inst. - Growth has delivered a CAGR of 8.42% — +38.38 pp ahead of the Floating Rate category average of -29.96%. The fund ranks #1 of 31 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HSBC Floating Rate Fund - Long Term - Inst. - Growth has delivered a CAGR of 8.77% — +26.82 pp ahead of the Floating Rate category average of -18.05%. The fund ranks #1 of 24 in its category — the top (Q1) quartile.

₹1 lakh invested in HSBC Floating Rate Fund - Long Term - Inst. - Growth exactly 10 years ago would be worth approximately ₹217,670 today — a multiplier of 2.18×, based on the 10-year CAGR of 8.09%. The category average over the same window would have grown ₹1 lakh to ₹144,511.

A ₹10,000 monthly SIP in HSBC Floating Rate Fund - Long Term - Inst. - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹741,880 today. That's an XIRR (money-weighted annualised return) of 8.42%.

A ₹10,000 monthly SIP for 10 years in HSBC Floating Rate Fund - Long Term - Inst. - Growth = ₹1,200,000 invested. It would currently be worth ₹1,834,019 (multiplier 1.53×). XIRR: 8.22%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Floating Rate Fund - Long Term - Inst. - Growth ranks #1 out of 24 funds in the Floating Rate category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -18.05%; this fund delivered 8.77%.

The worst peak-to-trough decline HSBC Floating Rate Fund - Long Term - Inst. - Growth has experienced over the last 5-year window is 0.21% — its NAV fell from a high on 15 Jul 2013 to a low on 16 Jul 2013. 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 Floating Rate Fund - Long Term - Inst. - Growth averaged 8.08% (best 8.94%, worst 7.36%). 100% of rolling windows ended positive.

In calendar year 2015, HSBC Floating Rate Fund - Long Term - Inst. - Growth returned 8.09% — beating the Floating Rate category average of 3.98% by 4.11 pp. It ranked #2 of 14 in its category that year.

HSBC Floating Rate Fund - Long Term - Inst. - Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. HSBC Floating Rate Fund - Long Term - Inst. - Growth is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.2%. 5-year CAGR: 8.77%.

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

HSBC Floating Rate Fund - Long Term - Inst. - Growth

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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