Should I invest in HSBC Tax Saver Equity Fund?

We don't give personal investment advice. HSBC Tax Saver Equity Fund - Dividend is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 27.4%. 5-year CAGR: 8.20%.

HSBC

HSBC Tax Saver Equity Fund - Dividend

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	-1.31%	-2.41%	+1.10	86 / 90	Q4
1W	-4.21%	-3.61%	-0.60	84 / 87	Q4
2W	-4.53%	-5.04%	+0.50	79 / 87	Q4
1M	-6.21%	-5.87%	-0.33	76 / 87	Q4
3M	-6.39%	-4.32%	-2.07	74 / 87	Q4
6M	-6.05%	-3.69%	-2.35	55 / 89	Q3
YTD	-6.14%	-5.59%	-0.55	43 / 89	Q2
1Y	-7.99%	-0.02%	-7.96	60 / 87	Q3
2Y	+2.32%	-0.43%	+2.76	28 / 86	Q2
3Y	+7.06%	+5.76%	+1.29	58 / 81	Q3
4Y	+4.34%	+8.15%	-3.81	67 / 78	Q4
5Y	+8.20%	+6.68%	+1.52	52 / 77	Q3
7Y	+8.38%	+8.80%	-0.42	52 / 75	Q3
10Y	+5.72%	+8.08%	-2.37	55 / 69	Q4
Inception	+6.37%	+5.83%	+0.54	54 / 91	Q3

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	-6.14%	-7.86%	+1.72	13 / 47
2025	-8.90%	+1.54%	-10.43	45 / 47
2024	+22.68%	+18.17%	+4.51	11 / 47
2023	+14.35%	+23.46%	-9.10	45 / 49
2022	-3.94%	+0.75%	-4.69	41 / 52
2021	+28.80%	+28.91%	-0.11	29 / 54
2020	+3.72%	+11.40%	-7.68	46 / 56
2019	-1.44%	+2.03%	-3.47	47 / 59
2018	-19.56%	-9.68%	-9.88	54 / 61
2017	+32.59%	+29.95%	+2.64	31 / 65
2016	-2.85%	-0.31%	-2.54	48 / 70

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

+8.96%

220 windows

min -49.8% · max 92.6%

60% positive

3-Year rolling

+7.47%

196 windows

min -14.6% · max 26.3%

87% positive

5-Year rolling

+7.10%

171 windows

min -7.9% · max 18.7%

88% positive

7-Year rolling

+6.51%

147 windows

min -1.1% · max 16.0%

99% 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

16.42%

3-year · annualised

Sharpe ratio

0.10

vs risk-free 6.5%

Sortino ratio

0.13

Downside-only deviation

Max drawdown

-27.44%

Dec 2024 → Mar 2025

% positive months

66.7%

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.

Peers in ELSS

Scheme	Fund house	NAV	As of
HDFC TaxSaver-Dividend Plan	HDFC	₹63.4980	11 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - ANNUAL IDCW Option	Nippon India	₹19.7041	11 Jun 2026
SBI MAGNUM TAXGAIN SCHEME 1993 - DIVIDEND	SBI	₹84.4851	11 Jun 2026
ICICI Prudential Long Term Wealth Enhancement Fund - IDCW Option	ICICI Prudential	₹27.0700	11 Jun 2026
Quantum Tax Saving Fund - Dividend	Quantum	₹119.6200	11 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - IDCW Payout	Motilal Oswal	₹29.0447	11 Jun 2026
Franklin India Taxshield-Dividend	Franklin Templeton	₹57.2961	11 Jun 2026
Kotak Tax Saver-Scheme-Dividend	Kotak Mahindra	₹40.8380	11 Jun 2026
EDELWEISS ELSS FUND - Dividend Option	Edelweiss	₹28.9200	11 Jun 2026
DSP BlackRock Tax Saver Fund - Dividend	DSP BlackRock	₹21.1670	11 Jun 2026

Recent NAVs

Date	NAV
23 Jan 2026	₹32.8802
22 Jan 2026	₹33.3173
21 Jan 2026	₹33.2160
20 Jan 2026	₹33.5524
19 Jan 2026	₹34.1356
16 Jan 2026	₹34.3258
14 Jan 2026	₹34.3823
13 Jan 2026	₹34.3630
12 Jan 2026	₹34.3809
9 Jan 2026	₹34.4418

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 Tax Saver Equity Fund - Dividend is a ELSS 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 Tax Saver Equity Fund - Dividend has NAV history starting from 17 Jan 2007, a track record of about 19 years 4 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 Tax Saver Equity Fund - Dividend is managed by HSBC. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Tax Saver Equity Fund - Dividend has delivered a absolute return of -7.99% — -7.96 pp behind the ELSS category average of -0.02%. The fund ranks #60 of 87 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC Tax Saver Equity Fund - Dividend has delivered a CAGR of 7.06% — +1.29 pp ahead of the ELSS category average of 5.76%. The fund ranks #58 of 81 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HSBC Tax Saver Equity Fund - Dividend has delivered a CAGR of 8.20% — +1.52 pp ahead of the ELSS category average of 6.68%. The fund ranks #52 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in HSBC Tax Saver Equity Fund - Dividend exactly 10 years ago would be worth approximately ₹174,370 today — a multiplier of 1.74×, based on the 10-year CAGR of 5.72%. The category average over the same window would have grown ₹1 lakh to ₹217,576.

A ₹10,000 monthly SIP in HSBC Tax Saver Equity Fund - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹693,973 today. That's an XIRR (money-weighted annualised return) of 5.75%.

A ₹10,000 monthly SIP for 10 years in HSBC Tax Saver Equity Fund - Dividend = ₹1,200,000 invested. It would currently be worth ₹1,670,201 (multiplier 1.39×). XIRR: 6.43%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Tax Saver Equity Fund - Dividend ranks #52 out of 77 funds in the ELSS category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.68%; this fund delivered 8.20%.

The worst peak-to-trough decline HSBC Tax Saver Equity Fund - Dividend has experienced over the last 5-year window is 27.44% — its NAV fell from a high on 16 Dec 2024 to a low on 03 Mar 2025. 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 Tax Saver Equity Fund - Dividend averaged 7.10% (best 18.71%, worst -7.91%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is 0.16 — weak risk-adjusted performance.

In calendar year 2025, HSBC Tax Saver Equity Fund - Dividend returned -8.90% — lagging the ELSS category average of 1.54% by 10.43 pp. It ranked #45 of 47 in its category that year.

HSBC Tax Saver Equity Fund - Dividend is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. HSBC Tax Saver Equity Fund - Dividend is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 27.4%. 5-year CAGR: 8.20%.

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