Should I invest in HSBC MIP - Regular?

We don't give personal investment advice. HSBC MIP - Regular - Dividend - Monthly 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: 10.1%. 5-year CAGR: 2.26%.

HSBC

HSBC MIP - Regular - Dividend - Monthly

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	-0.19%	-14.54%	+14.35	228 / 373	Q3
1W	+0.82%	-15.89%	+16.71	21 / 369	Q1
2W	+0.01%	-15.78%	+15.79	116 / 371	Q2
1M	+0.35%	-16.05%	+16.41	85 / 373	Q1
3M	+3.05%	-17.27%	+20.32	24 / 366	Q1
6M	+4.41%	-30.18%	+34.59	61 / 393	Q1
YTD	+2.43%	-32.85%	+35.28	97 / 414	Q1
1Y	-0.18%	-15.79%	+15.61	184 / 309	Q3
2Y	+1.19%	-13.41%	+14.60	65 / 142	Q2
3Y	+2.43%	-6.89%	+9.32	37 / 95	Q2
4Y	+1.50%	+2.81%	-1.31	40 / 84	Q2
5Y	+2.26%	+2.94%	-0.68	33 / 76	Q2
7Y	+0.28%	+2.77%	-2.50	49 / 67	Q3
10Y	+1.21%	+2.81%	-1.59	23 / 38	Q3
Inception	+1.18%	-35.69%	+36.88	128 / 497	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
2016 YTD	+2.43%	+3.89%	-1.46	18 / 45
2015	-3.47%	+2.84%	-6.31	65 / 66
2014	+9.21%	+4.08%	+5.13	12 / 76
2013	-3.04%	+2.34%	-5.38	71 / 76
2012	+6.38%	+3.72%	+2.66	30 / 78
2011	-3.69%	+3.23%	-6.92	64 / 66
2010	-5.47%	-11.73%	+6.26	109 / 132
2009	+7.14%	-33.69%	+40.83	23 / 316
2008	-4.02%	-14.40%	+10.38	96 / 119
2007	+6.49%	+5.47%	+1.02	10 / 21
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

+1.15%

117 windows

min -8.7% · max 14.8%

56% positive

3-Year rolling

+1.11%

92 windows

min -1.9% · max 4.4%

67% positive

5-Year rolling

+0.72%

68 windows

min -0.2% · max 2.3%

94% positive

7-Year rolling

+0.96%

44 windows

min 0.0% · max 2.2%

98% 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

4.61%

3-year · annualised

Sharpe ratio

-0.80

vs risk-free 6.5%

Sortino ratio

-1.39

Downside-only deviation

Max drawdown

-10.14%

Jan 2015 → Feb 2016

% positive months

58.3%

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
7 Oct 2016	₹11.8518
6 Oct 2016	₹11.8738
5 Oct 2016	₹11.8958
4 Oct 2016	₹11.8570
3 Oct 2016	₹11.8284
30 Sep 2016	₹11.7558
29 Sep 2016	₹11.7213
28 Sep 2016	₹11.8074
27 Sep 2016	₹11.7902
26 Sep 2016	₹11.8601

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 MIP - Regular - Dividend - Monthly 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 MIP - Regular - Dividend - Monthly 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 MIP - Regular - Dividend - Monthly 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 MIP - Regular - Dividend - Monthly has delivered a absolute return of -0.18% — +15.61 pp ahead of the Income category average of -15.79%. The fund ranks #184 of 309 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC MIP - Regular - Dividend - Monthly has delivered a CAGR of 2.43% — +9.32 pp ahead of the Income category average of -6.89%. The fund ranks #37 of 95 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC MIP - Regular - Dividend - Monthly has delivered a CAGR of 2.26% — -0.68 pp behind the Income category average of 2.94%. The fund ranks #33 of 76 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC MIP - Regular - Dividend - Monthly exactly 10 years ago would be worth approximately ₹112,822 today — a multiplier of 1.13×, based on the 10-year CAGR of 1.21%. The category average over the same window would have grown ₹1 lakh to ₹131,897.

A ₹10,000 monthly SIP in HSBC MIP - Regular - Dividend - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹628,616 today. That's an XIRR (money-weighted annualised return) of 1.83%.

A ₹10,000 monthly SIP for 10 years in HSBC MIP - Regular - Dividend - Monthly = ₹1,200,000 invested. It would currently be worth ₹1,279,880 (multiplier 1.07×). XIRR: 1.27%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC MIP - Regular - Dividend - Monthly ranks #33 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 2.26%.

The worst peak-to-trough decline HSBC MIP - Regular - Dividend - Monthly has experienced over the last 5-year window is 10.14% — its NAV fell from a high on 27 Jan 2015 to a low on 26 Feb 2016. 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 MIP - Regular - Dividend - Monthly averaged 0.72% (best 2.26%, worst -0.23%). 94% of rolling windows ended positive. The 5-year Sharpe ratio is -0.93 — negative risk-adjusted performance.

In calendar year 2015, HSBC MIP - Regular - Dividend - Monthly returned -3.47% — lagging the Income category average of 2.84% by 6.31 pp. It ranked #65 of 66 in its category that year.

HSBC MIP - Regular - Dividend - Monthly 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 MIP - Regular - Dividend - Monthly 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: 10.1%. 5-year CAGR: 2.26%.

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