Should I invest in HSBC MIP - Regular?

We don't give personal investment advice. HSBC MIP - 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: 7.2%. 5-year CAGR: 9.68%.

HSBC

HSBC MIP - 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	-0.19%	-14.54%	+14.35	230 / 373	Q3
1W	+0.82%	-15.89%	+16.71	22 / 369	Q1
2W	+0.69%	-15.78%	+16.47	28 / 371	Q1
1M	+1.04%	-16.05%	+17.09	34 / 373	Q1
3M	+5.18%	-17.27%	+22.45	6 / 366	Q1
6M	+8.83%	-30.18%	+39.01	7 / 393	Q1
YTD	+9.07%	-32.85%	+41.92	10 / 414	Q1
1Y	+8.50%	-15.79%	+24.29	61 / 309	Q1
2Y	+9.61%	-13.41%	+23.02	10 / 142	Q1
3Y	+10.63%	-6.89%	+17.52	2 / 95	Q1
4Y	+9.34%	+2.81%	+6.53	3 / 84	Q1
5Y	+9.68%	+2.94%	+6.75	2 / 76	Q1
7Y	+8.03%	+2.77%	+5.26	4 / 67	Q1
10Y	+8.58%	+2.81%	+5.77	2 / 38	Q1
Inception	+8.52%	-35.69%	+44.21	62 / 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
2016 YTD	+9.07%	+3.89%	+5.18	8 / 45
2015	+4.50%	+2.84%	+1.65	26 / 66
2014	+17.26%	+4.08%	+13.19	1 / 76
2013	+3.82%	+2.34%	+1.48	26 / 76
2012	+13.12%	+3.72%	+9.40	1 / 78
2011	+1.27%	+3.23%	-1.96	32 / 66
2010	+5.01%	-11.73%	+16.74	10 / 132
2009	+13.82%	-33.69%	+47.51	4 / 316
2008	+0.25%	-14.40%	+14.65	67 / 119
2007	+15.00%	+5.47%	+9.53	1 / 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

+8.38%

117 windows

min -3.7% · max 20.8%

98% positive

3-Year rolling

+8.25%

92 windows

min 5.2% · max 11.6%

100% positive

5-Year rolling

+7.86%

68 windows

min 6.7% · max 9.7%

100% positive

7-Year rolling

+8.13%

44 windows

min 7.3% · max 9.5%

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

4.59%

3-year · annualised

Sharpe ratio

0.88

vs risk-free 6.5%

Sortino ratio

2.64

Downside-only deviation

Max drawdown

-4.42%

Oct 2015 → Feb 2016

% positive months

69.4%

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	₹27.2446
6 Oct 2016	₹27.2953
5 Oct 2016	₹27.3459
4 Oct 2016	₹27.2566
3 Oct 2016	₹27.1910
30 Sep 2016	₹27.0241
29 Sep 2016	₹26.9446
28 Sep 2016	₹27.1427
27 Sep 2016	₹27.1030
26 Sep 2016	₹27.0801

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 - 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 MIP - 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 MIP - 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 MIP - Regular - Growth has delivered a absolute return of 8.50% — +24.29 pp ahead of the Income category average of -15.79%. The fund ranks #61 of 309 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HSBC MIP - Regular - Growth has delivered a CAGR of 10.63% — +17.52 pp ahead of the Income category average of -6.89%. The fund ranks #2 of 95 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HSBC MIP - Regular - Growth has delivered a CAGR of 9.68% — +6.75 pp ahead of the Income category average of 2.94%. The fund ranks #2 of 76 in its category — the top (Q1) quartile.

₹1 lakh invested in HSBC MIP - Regular - Growth exactly 10 years ago would be worth approximately ₹227,698 today — a multiplier of 2.28×, based on the 10-year CAGR of 8.58%. The category average over the same window would have grown ₹1 lakh to ₹131,897.

A ₹10,000 monthly SIP in HSBC MIP - Regular - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹768,918 today. That's an XIRR (money-weighted annualised return) of 9.84%.

A ₹10,000 monthly SIP for 10 years in HSBC MIP - Regular - Growth = ₹1,200,000 invested. It would currently be worth ₹1,887,497 (multiplier 1.57×). XIRR: 8.76%. 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 - Growth ranks #2 out of 76 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.94%; this fund delivered 9.68%.

The worst peak-to-trough decline HSBC MIP - Regular - Growth has experienced over the last 5-year window is 7.19% — its NAV fell from a high on 28 May 2013 to a low on 28 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 MIP - Regular - Growth averaged 7.86% (best 9.68%, worst 6.67%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.66 — reasonable risk-adjusted performance.

In calendar year 2015, HSBC MIP - Regular - Growth returned 4.50% — beating the Income category average of 2.84% by 1.65 pp. It ranked #26 of 66 in its category that year.

HSBC MIP - 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 MIP - 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: 7.2%. 5-year CAGR: 9.68%.

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

HSBC MIP - 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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