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

We don't give personal investment advice. HSBC Floating Rate Fund - Short 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: 2.7%. 5-year CAGR: 6.14%.

HSBC

HSBC Floating Rate Fund - Short 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	+0.04%	-8.69%	+8.73	1 / 23	Q1
1W	+0.15%	-8.62%	+8.76	5 / 23	Q1
2W	+0.31%	-8.56%	+8.87	1 / 23	Q1
1M	+0.61%	-8.48%	+9.08	3 / 23	Q1
3M	+1.68%	-7.99%	+9.67	6 / 23	Q2
6M	+3.24%	-7.23%	+10.47	5 / 23	Q1
YTD	+4.23%	-14.84%	+19.07	3 / 25	Q1
1Y	+6.10%	-17.92%	+24.01	5 / 24	Q1
2Y	+4.61%	-17.12%	+21.72	10 / 25	Q2
3Y	+4.74%	-29.96%	+34.70	9 / 31	Q2
4Y	+5.71%	-22.63%	+28.34	8 / 28	Q2
5Y	+6.14%	-18.05%	+24.20	8 / 24	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.16%	-27.72%	+33.88	8 / 30	Q2

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
2011 YTD	+4.23%	-5.64%	+9.88	10 / 21
2010	+4.18%	-19.63%	+23.81	8 / 23
2009	+2.84%	-7.48%	+10.32	7 / 21
2008	+8.85%	-0.77%	+9.61	8 / 20
2007	+8.34%	-7.74%	+16.08	4 / 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

+6.10%

54 windows

min 2.4% · max 8.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+6.01%

30 windows

min 4.7% · max 7.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+6.13%

6 windows

min 6.1% · max 6.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

0.61%

3-year · annualised

Sharpe ratio

-3.03

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-2.70%

Aug 2009 → Aug 2009

% 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
1 Sep 2011	₹14.9070
30 Aug 2011	₹14.9011
29 Aug 2011	₹14.8982
28 Aug 2011	₹14.8953
26 Aug 2011	₹14.8888
25 Aug 2011	₹14.8853
24 Aug 2011	₹14.8819
23 Aug 2011	₹14.8784
22 Aug 2011	₹14.8750
21 Aug 2011	₹14.8716

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 - Short 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 - Short Term - Inst. - Growth has NAV history starting from 02 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 - Short 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 - Short Term - Inst. - Growth has delivered a absolute return of 6.10% — +24.01 pp ahead of the Floating Rate category average of -17.92%. The fund ranks #5 of 24 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HSBC Floating Rate Fund - Short Term - Inst. - Growth has delivered a CAGR of 4.74% — +34.7 pp ahead of the Floating Rate category average of -29.96%. The fund ranks #9 of 31 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Floating Rate Fund - Short Term - Inst. - Growth has delivered a CAGR of 6.14% — +24.2 pp ahead of the Floating Rate category average of -18.05%. The fund ranks #8 of 24 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Floating Rate Fund - Short Term - Inst. - Growth exactly 5 years ago would be worth approximately ₹134,739 today — a multiplier of 1.35×, based on the 5-year CAGR of 6.14%. The category average over the same window would have grown ₹1 lakh to ₹36,952.

A ₹10,000 monthly SIP in HSBC Floating Rate Fund - Short Term - Inst. - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹688,571 today. That's an XIRR (money-weighted annualised return) of 5.44%.

HSBC Floating Rate Fund - Short Term - Inst. - Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹688,571 — XIRR 5.44%.

On a 5-year basis, HSBC Floating Rate Fund - Short Term - Inst. - Growth ranks #8 out of 24 funds in the Floating Rate category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -18.05%; this fund delivered 6.14%.

The worst peak-to-trough decline HSBC Floating Rate Fund - Short Term - Inst. - Growth has experienced over the last 5-year window is 2.70% — its NAV fell from a high on 30 Aug 2009 to a low on 31 Aug 2009. 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 - Short Term - Inst. - Growth averaged 6.13% (best 6.14%, worst 6.12%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.75 — negative risk-adjusted performance.

In calendar year 2010, HSBC Floating Rate Fund - Short Term - Inst. - Growth returned 4.18% — beating the Floating Rate category average of -19.63% by 23.81 pp. It ranked #8 of 23 in its category that year.

HSBC Floating Rate Fund - Short 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 - Short 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: 2.7%. 5-year CAGR: 6.14%.

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

HSBC Floating Rate Fund - Short 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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