Should I invest in HSBC Gilt Fund?

We don't give personal investment advice. HSBC Gilt Fund - Dividend - Weekly 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: 10.0%. 5-year CAGR: -0.01%.

HSBC

HSBC Gilt Fund - Dividend - Weekly

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%	+0.01%	-0.01	41 / 67	Q3
1W	—	—	—	—	—
2W	-0.30%	-9.67%	+9.37	55 / 73	Q4
1M	-0.47%	-9.89%	+9.42	48 / 72	Q3
3M	-0.69%	-12.90%	+12.22	57 / 76	Q3
6M	+0.53%	-12.24%	+12.77	43 / 76	Q3
YTD	-0.47%	-12.22%	+11.75	47 / 75	Q3
1Y	-1.36%	-10.28%	+8.91	57 / 75	Q4
2Y	+2.05%	-12.45%	+14.50	38 / 71	Q3
3Y	-0.26%	-16.88%	+16.62	49 / 70	Q3
4Y	-0.37%	-23.11%	+22.74	43 / 65	Q3
5Y	-0.01%	-27.10%	+27.09	36 / 60	Q3
7Y	-0.09%	-19.22%	+19.13	35 / 49	Q3
10Y	—	—	—	—	—
Inception	-0.08%	-18.29%	+18.22	60 / 85	Q3

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
2015 YTD	-0.47%	+0.91%	-1.38	30 / 36
2014	+4.93%	+5.14%	-0.21	33 / 43
2013	-5.35%	-3.23%	-2.12	41 / 48
2012	+0.25%	+5.57%	-5.32	53 / 55
2011	-0.64%	+2.07%	-2.70	54 / 59
2010	+6.73%	+0.75%	+5.99	6 / 68
2009	-5.95%	-6.22%	+0.27	29 / 65
2008	—	—	—	—

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

+1.17%

75 windows

min -7.2% · max 8.6%

57% positive

3-Year rolling

+0.62%

51 windows

min -1.6% · max 3.6%

57% positive

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

5-Year rolling

+0.86%

27 windows

min -1.1% · max 2.0%

85% positive

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

7-Year rolling

-0.06%

2 windows

min -0.1% · max 0.0%

0% 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

2.94%

3-year · annualised

Sharpe ratio

-2.29

vs risk-free 6.5%

Sortino ratio

-2.96

Downside-only deviation

Max drawdown

-9.99%

Jan 2013 → Aug 2013

% positive months

52.8%

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 Dec 2015	₹9.9509
19 Nov 2015	₹9.9795
18 Nov 2015	₹9.9789
17 Nov 2015	₹9.9809
16 Nov 2015	₹9.9861
13 Nov 2015	₹9.9863
10 Nov 2015	₹9.9644
9 Nov 2015	₹9.9474
6 Nov 2015	₹9.9686
5 Nov 2015	₹9.9704

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 Gilt Fund - Dividend - Weekly is a Gilt 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 Gilt Fund - Dividend - Weekly has NAV history starting from 13 Oct 2008, a track record of about 17 years 7 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 Gilt Fund - Dividend - Weekly is managed by HSBC. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Gilt Fund - Dividend - Weekly has delivered a absolute return of -1.36% — +8.91 pp ahead of the Gilt category average of -10.28%. The fund ranks #57 of 75 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Gilt Fund - Dividend - Weekly has delivered a CAGR of -0.26% — +16.62 pp ahead of the Gilt category average of -16.88%. The fund ranks #49 of 70 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HSBC Gilt Fund - Dividend - Weekly has delivered a CAGR of -0.01% — +27.09 pp ahead of the Gilt category average of -27.10%. The fund ranks #36 of 60 in its category — the third (Q3) quartile.

₹1 lakh invested in HSBC Gilt Fund - Dividend - Weekly exactly 5 years ago would be worth approximately ₹99,949 today — a multiplier of 1.00×, based on the 5-year CAGR of -0.01%. The category average over the same window would have grown ₹1 lakh to ₹20,585.

A ₹10,000 monthly SIP in HSBC Gilt Fund - Dividend - Weekly over the last 5 years — total invested ₹600,000 — would be worth ₹600,952 today. That's an XIRR (money-weighted annualised return) of 0.06%.

HSBC Gilt Fund - Dividend - Weekly doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹853,951 — XIRR 0.46%.

On a 5-year basis, HSBC Gilt Fund - Dividend - Weekly ranks #36 out of 60 funds in the Gilt category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -27.10%; this fund delivered -0.01%.

The worst peak-to-trough decline HSBC Gilt Fund - Dividend - Weekly has experienced over the last 5-year window is 9.99% — its NAV fell from a high on 04 Jan 2013 to a low on 19 Aug 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 Gilt Fund - Dividend - Weekly averaged 0.86% (best 2.05%, worst -1.13%). 85% of rolling windows ended positive. The 5-year Sharpe ratio is -2.53 — negative risk-adjusted performance.

In calendar year 2014, HSBC Gilt Fund - Dividend - Weekly returned 4.93% — lagging the Gilt category average of 5.14% by 0.21 pp. It ranked #33 of 43 in its category that year.

HSBC Gilt Fund - Dividend - Weekly 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 Gilt Fund - Dividend - Weekly 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: 10.0%. 5-year CAGR: -0.01%.

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