Should I invest in HSBC Income Fund - Investment - Regular?

We don't give personal investment advice. HSBC Income Fund - Investment - Regular - 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: 7.7%. 5-year CAGR: -1.20%.

HSBC

HSBC Income Fund - Investment - Regular - Dividend

Latest NAV

₹10.6177

As of

11 Jun 2026

4,880 NAV records on file

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%	-5.48%	+5.48	211 / 472	Q2
1W	+0.94%	-6.64%	+7.58	7 / 472	Q1
2W	+1.06%	-6.58%	+7.64	8 / 472	Q1
1M	+0.84%	-6.60%	+7.44	17 / 472	Q1
3M	+0.34%	-6.55%	+6.89	159 / 471	Q2
6M	-0.06%	-6.19%	+6.14	145 / 443	Q2
YTD	+0.97%	-6.28%	+7.25	136 / 452	Q2
1Y	-3.06%	-4.02%	+0.97	230 / 439	Q3
2Y	-0.64%	+0.35%	-1.00	212 / 439	Q2
3Y	-0.60%	+1.75%	-2.36	369 / 439	Q4
4Y	+0.35%	+4.30%	-3.95	46 / 65	Q3
5Y	-1.20%	+3.83%	-5.03	41 / 43	Q4
7Y	-0.77%	+4.91%	-5.68	23 / 23	Q4
10Y	-0.42%	+4.05%	-4.48	17 / 17	Q4
Inception	+0.17%	+1.99%	-1.83	170 / 472	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
2026 YTD	+0.97%	+0.98%	-0.01	73 / 87
2025	-1.32%	+6.36%	-7.68	88 / 88
2024	+0.80%	+6.97%	-6.17	90 / 94
2023	+0.63%	+6.24%	-5.62	68 / 71
2022	-3.71%	-4.59%	+0.88	80 / 133
2021	-4.72%	-3.01%	-1.71	167 / 236
2020	+2.84%	+1.27%	+1.57	160 / 344
2019	+2.45%	+2.87%	-0.42	144 / 301
2018	+3.34%	+2.79%	+0.55	97 / 187
2017	-6.81%	+5.18%	-11.99	71 / 71
2016	+1.82%	+8.01%	-6.19	29 / 35

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

+0.08%

234 windows

min -8.0% · max 8.6%

53% positive

3-Year rolling

+0.02%

210 windows

min -3.7% · max 4.0%

48% positive

5-Year rolling

-0.09%

186 windows

min -2.6% · max 2.0%

47% positive

7-Year rolling

-0.07%

161 windows

min -1.5% · max 2.0%

41% positive

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

3.18%

3-year · annualised

Sharpe ratio

-2.21

vs risk-free 6.5%

Sortino ratio

-2.64

Downside-only deviation

Max drawdown

-5.76%

May 2025 → Apr 2026

% positive months

61.1%

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.

Peers in Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
Nippon India Fixed Maturity Plan - XLIII - Series 1 - Regular Plan - Income Distribution cum Capital Withdrawal Plan	Nippon India	₹13.2173	11 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.3208	11 Jun 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN PERIODIC-IDCW (3652 days)	Bandhan	₹15.1608	11 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Regular Plan - Payout of IDCW option	Aditya Birla Sun Life	₹13.4528	11 Jun 2026
Kotak Bond-Regular-Annual Dividend	Kotak Mahindra	₹48.1623	11 Jun 2026
Kotak FMP Series 304-Regular Plan-Payout of IDCW	Kotak	₹13.1307	11 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Regular - IDCW	DSP	₹13.1689	11 Jun 2026
HSBC Income Fund - Investment - Regular - Growth	HSBC	₹43.1377	11 Jun 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Payout of IDCW Option	UTI	₹12.1420	11 Jun 2026
Axis Fixed Maturity Plan - Series 129 (108 Days) - Regular Plan - IDCW	Axis	₹10.2032	11 Jun 2026

Recent NAVs

Date	NAV
11 Jun 2026	₹10.6177
10 Jun 2026	₹10.6244
9 Jun 2026	₹10.6247
8 Jun 2026	₹10.5896
5 Jun 2026	₹10.5697
4 Jun 2026	₹10.5350
3 Jun 2026	₹10.5254
2 Jun 2026	₹10.5309
1 Jun 2026	₹10.5237
29 May 2026	₹10.5206

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.

As of 11 Jun 2026, the NAV of HSBC Income Fund - Investment - Regular - Dividend is ₹10.6177. It's a Medium to Long Duration Fund from HSBC, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Income Fund - Investment - Regular - Dividend 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 Income Fund - Investment - Regular - Dividend is managed by HSBC. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Income Fund - Investment - Regular - Dividend has delivered a absolute return of -3.06% — +0.97 pp ahead of the Medium to Long Duration Fund category average of -4.02%. The fund ranks #230 of 439 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC Income Fund - Investment - Regular - Dividend has delivered a CAGR of -0.60% — -2.36 pp behind the Medium to Long Duration Fund category average of 1.75%. The fund ranks #369 of 439 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HSBC Income Fund - Investment - Regular - Dividend has delivered a CAGR of -1.20% — -5.03 pp behind the Medium to Long Duration Fund category average of 3.83%. The fund ranks #41 of 43 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HSBC Income Fund - Investment - Regular - Dividend exactly 10 years ago would be worth approximately ₹95,856 today — a multiplier of 0.96×, based on the 10-year CAGR of -0.42%. The category average over the same window would have grown ₹1 lakh to ₹148,791.

A ₹10,000 monthly SIP in HSBC Income Fund - Investment - Regular - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹593,971 today. That's an XIRR (money-weighted annualised return) of -0.40%.

A ₹10,000 monthly SIP for 10 years in HSBC Income Fund - Investment - Regular - Dividend = ₹1,200,000 invested. It would currently be worth ₹1,169,351 (multiplier 0.97×). XIRR: -0.51%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Income Fund - Investment - Regular - Dividend ranks #41 out of 43 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.83%; this fund delivered -1.20%.

The worst peak-to-trough decline HSBC Income Fund - Investment - Regular - Dividend has experienced over the last 5-year window is 7.72% — its NAV fell from a high on 23 Sep 2021 to a low on 02 Apr 2026. 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 Income Fund - Investment - Regular - Dividend averaged -0.09% (best 1.97%, worst -2.59%). 47% of rolling windows ended positive. The 5-year Sharpe ratio is -2.12 — negative risk-adjusted performance.

In calendar year 2025, HSBC Income Fund - Investment - Regular - Dividend returned -1.32% — lagging the Medium to Long Duration Fund category average of 6.36% by 7.68 pp. It ranked #88 of 88 in its category that year.

HSBC Income Fund - Investment - Regular - 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 Income Fund - Investment - Regular - 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: 7.7%. 5-year CAGR: -1.20%.

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