Should I invest in HSBC Income Fund - Short Term - Regular?

We don't give personal investment advice. HSBC Income Fund - Short Term - Regular - 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: 11.0%. 5-year CAGR: 3.14%.

HSBC

HSBC Income Fund - Short Term - Regular - 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	+0.02%	-14.54%	+14.56	46 / 373	Q1
1W	+0.15%	-15.89%	+16.04	54 / 369	Q1
2W	+0.27%	-15.78%	+16.06	50 / 371	Q1
1M	+0.68%	-16.05%	+16.73	46 / 373	Q1
3M	+1.00%	-17.27%	+18.27	106 / 366	Q2
6M	+2.26%	-30.18%	+32.44	119 / 393	Q2
YTD	+2.29%	-32.85%	+35.14	102 / 414	Q1
1Y	+2.46%	-15.79%	+18.25	122 / 309	Q2
2Y	+2.76%	-13.41%	+16.17	47 / 142	Q2
3Y	+3.63%	-6.89%	+10.52	29 / 95	Q2
4Y	+2.76%	+2.81%	-0.05	34 / 84	Q2
5Y	+3.14%	+2.94%	+0.20	29 / 76	Q2
7Y	+4.33%	+2.77%	+1.56	23 / 67	Q2
10Y	+5.53%	+2.81%	+2.73	11 / 38	Q2
Inception	+6.30%	-35.69%	+42.00	96 / 497	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
2022 YTD	+2.29%	+0.83%	+1.45	2 / 12
2021	+2.90%	+4.64%	-1.74	12 / 19
2020	+5.74%	+1.41%	+4.33	6 / 19
2019	-1.00%	-4.98%	+3.99	6 / 21
2018	+5.77%	+2.69%	+3.08	6 / 23
2017	+5.04%	+2.12%	+2.92	8 / 30
2016	+8.89%	+3.89%	+5.00	9 / 45
2015	+7.82%	+2.84%	+4.98	3 / 66
2014	+9.85%	+4.08%	+5.78	8 / 76
2013	+6.98%	+2.34%	+4.64	22 / 76
2012	+9.10%	+3.72%	+5.38	14 / 78

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

+6.43%

191 windows

min -10.0% · max 14.0%

94% positive

3-Year rolling

+6.52%

167 windows

min 0.3% · max 9.5%

100% positive

5-Year rolling

+6.76%

143 windows

min 3.0% · max 8.9%

100% positive

7-Year rolling

+6.97%

118 windows

min 4.3% · max 8.3%

100% 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

7.37%

3-year · annualised

Sharpe ratio

-0.36

vs risk-free 6.5%

Sortino ratio

-0.57

Downside-only deviation

Max drawdown

-9.36%

Apr 2020 → May 2020

% positive months

72.2%

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
25 Nov 2022	₹32.6785
24 Nov 2022	₹32.6713
23 Nov 2022	₹32.6616
22 Nov 2022	₹32.6547
21 Nov 2022	₹32.6456
18 Nov 2022	₹32.6292
17 Nov 2022	₹32.6241
16 Nov 2022	₹32.6148
15 Nov 2022	₹32.6079
14 Nov 2022	₹32.5942

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 - Regular - Growth is a Income from HSBC (Regular 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 - Regular - 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 Income Fund - Short Term - Regular - 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 - Regular - Growth has delivered a absolute return of 2.46% — +18.25 pp ahead of the Income category average of -15.79%. The fund ranks #122 of 309 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC Income Fund - Short Term - Regular - Growth has delivered a CAGR of 3.63% — +10.52 pp ahead of the Income category average of -6.89%. The fund ranks #29 of 95 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Income Fund - Short Term - Regular - Growth has delivered a CAGR of 3.14% — +0.2 pp ahead of the Income category average of 2.94%. The fund ranks #29 of 76 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Income Fund - Short Term - Regular - Growth exactly 10 years ago would be worth approximately ₹171,338 today — a multiplier of 1.71×, based on the 10-year CAGR of 5.53%. The category average over the same window would have grown ₹1 lakh to ₹131,897.

A ₹10,000 monthly SIP in HSBC Income Fund - Short Term - Regular - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹651,556 today. That's an XIRR (money-weighted annualised return) of 3.25%.

A ₹10,000 monthly SIP for 10 years in HSBC Income Fund - Short Term - Regular - Growth = ₹1,200,000 invested. It would currently be worth ₹1,504,148 (multiplier 1.25×). XIRR: 4.42%. 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 - Short Term - Regular - Growth ranks #29 out of 76 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.94%; this fund delivered 3.14%.

The worst peak-to-trough decline HSBC Income Fund - Short Term - Regular - Growth has experienced over the last 5-year window is 10.95% — its NAV fell from a high on 03 Jun 2019 to a low on 11 May 2020. 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 - Regular - Growth averaged 6.76% (best 8.86%, worst 3.03%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.47 — negative risk-adjusted performance.

In calendar year 2021, HSBC Income Fund - Short Term - Regular - Growth returned 2.90% — lagging the Income category average of 4.64% by 1.74 pp. It ranked #12 of 19 in its category that year.

HSBC Income Fund - Short Term - Regular - 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 - Regular - 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: 11.0%. 5-year CAGR: 3.14%.

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

HSBC Income Fund - Short Term - Regular - 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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