Should I invest in HSBC Income Fund - Short Term - Inst. Plus?

We don't give personal investment advice. HSBC Income Fund - Short Term - Inst. Plus - Growth 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: 2.3%. 5-year CAGR: 9.04%.

HSBC

HSBC Income Fund - Short Term - Inst. Plus - Growth

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	+0.01%	-9.99%	+10.00	222 / 1129	Q1
1W	-0.02%	-13.04%	+13.02	414 / 1151	Q2
2W	+0.13%	-13.18%	+13.32	261 / 1149	Q1
1M	+0.53%	-13.26%	+13.79	165 / 1137	Q1
3M	+0.95%	-13.15%	+14.10	283 / 1116	Q2
6M	+3.30%	-15.45%	+18.76	235 / 906	Q2
YTD	+1.44%	-15.77%	+17.22	299 / 952	Q2
1Y	+8.54%	-13.09%	+21.63	170 / 820	Q1
2Y	+8.41%	-12.72%	+21.13	55 / 446	Q1
3Y	+9.13%	-11.01%	+20.14	19 / 385	Q1
4Y	+8.74%	-6.52%	+15.25	28 / 339	Q1
5Y	+9.04%	-7.36%	+16.40	19 / 314	Q1
7Y	+6.96%	+2.53%	+4.43	71 / 234	Q2
10Y	—	—	—	—	—
Inception	+5.91%	-13.63%	+19.55	309 / 1199	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
2017 YTD	+1.44%	+1.63%	-0.18	46 / 137
2016	+9.60%	+3.02%	+6.58	22 / 181
2015	+8.52%	+2.22%	+6.30	18 / 216
2014	+10.57%	+5.51%	+5.06	47 / 240
2013	+7.67%	-1.95%	+9.63	61 / 276
2012	+9.72%	+1.38%	+8.34	62 / 295
2011	—	—	—	—
2010	-100.00%	-5.78%	-94.22	354 / 377
2009	—	—	—	—

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

+8.67%

57 windows

min -2.8% · max 11.2%

96% positive

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

3-Year rolling

+6.65%

45 windows

min 0.3% · max 10.2%

100% positive

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

5-Year rolling

+5.84%

21 windows

min 3.7% · max 9.5%

100% positive

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

7-Year rolling

+5.71%

15 windows

min 5.3% · max 7.0%

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

1.44%

3-year · annualised

Sharpe ratio

1.58

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.66%

Feb 2017 → Feb 2017

% positive months

91.7%

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 Apr 2017	₹16.0261
26 Apr 2017	₹16.0243
25 Apr 2017	₹16.0331
24 Apr 2017	₹16.0269
21 Apr 2017	₹16.0195
20 Apr 2017	₹16.0286
19 Apr 2017	₹16.0232
18 Apr 2017	₹16.0160
17 Apr 2017	₹16.0155
13 Apr 2017	₹16.0047

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 Income Fund - Short Term - Inst. Plus - Growth is a Income 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 Income Fund - Short Term - Inst. Plus - Growth has NAV history starting from 19 Feb 2009, a track record of about 17 years 3 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 - Short Term - Inst. Plus - Growth 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 Income Fund - Short Term - Inst. Plus - Growth has delivered a absolute return of 8.54% — +21.63 pp ahead of the Income category average of -13.09%. The fund ranks #170 of 820 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HSBC Income Fund - Short Term - Inst. Plus - Growth has delivered a CAGR of 9.13% — +20.14 pp ahead of the Income category average of -11.01%. The fund ranks #19 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HSBC Income Fund - Short Term - Inst. Plus - Growth has delivered a CAGR of 9.04% — +16.4 pp ahead of the Income category average of -7.36%. The fund ranks #19 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in HSBC Income Fund - Short Term - Inst. Plus - Growth exactly 5 years ago would be worth approximately ₹154,140 today — a multiplier of 1.54×, based on the 5-year CAGR of 9.04%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in HSBC Income Fund - Short Term - Inst. Plus - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹750,704 today. That's an XIRR (money-weighted annualised return) of 8.89%.

HSBC Income Fund - Short Term - Inst. Plus - Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹750,704 — XIRR 8.89%.

On a 5-year basis, HSBC Income Fund - Short Term - Inst. Plus - Growth ranks #19 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 9.04%.

The worst peak-to-trough decline HSBC Income Fund - Short Term - Inst. Plus - Growth has experienced over the last 5-year window is 2.31% — its NAV fell from a high on 18 Jun 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 Income Fund - Short Term - Inst. Plus - Growth averaged 5.84% (best 9.50%, worst 3.72%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.29 — strong risk-adjusted performance.

In calendar year 2016, HSBC Income Fund - Short Term - Inst. Plus - Growth returned 9.60% — beating the Income category average of 3.02% by 6.58 pp. It ranked #22 of 181 in its category that year.

HSBC Income Fund - Short Term - Inst. Plus - Growth 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 - Short Term - Inst. Plus - Growth 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: 2.3%. 5-year CAGR: 9.04%.

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

HSBC Income Fund - Short Term - Inst. Plus - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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