Should I invest in HSBC Ultra Short Term Bond Fund - Regular?

We don't give personal investment advice. HSBC Ultra Short Term Bond Fund - Regular - Dividend - Weekly 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: 14.0%. 5-year CAGR: 0.00%.

HSBC

HSBC Ultra Short Term Bond Fund - Regular - Dividend - Weekly

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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	40 / 373	Q1
1W	-0.01%	-15.89%	+15.88	126 / 369	Q2
2W	-0.01%	-15.78%	+15.78	121 / 371	Q2
1M	-0.02%	-16.05%	+16.03	142 / 373	Q2
3M	+0.02%	-17.27%	+17.30	145 / 366	Q2
6M	+0.34%	-30.18%	+30.52	146 / 393	Q2
YTD	+0.26%	-32.85%	+33.12	152 / 414	Q2
1Y	+0.52%	-15.79%	+16.31	140 / 309	Q2
2Y	+1.64%	-13.41%	+15.05	52 / 142	Q2
3Y	+2.12%	-6.89%	+9.01	40 / 95	Q2
4Y	-0.02%	+2.81%	-2.83	71 / 84	Q4
5Y	+0.00%	+2.94%	-2.94	67 / 76	Q4
7Y	+0.00%	+2.77%	-2.77	57 / 67	Q4
10Y	-0.04%	+2.81%	-2.84	35 / 38	Q4
Inception	0.00%	-35.69%	+35.69	173 / 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
2022 YTD	+0.26%	+0.83%	-0.57	11 / 12
2021	+2.81%	+4.64%	-1.84	15 / 19
2020	+3.00%	+1.41%	+1.58	11 / 19
2019	-5.95%	-4.98%	-0.96	13 / 21
2018	0.00%	+2.69%	-2.69	21 / 23
2017	-0.05%	+2.12%	-2.17	25 / 30
2016	-0.03%	+3.89%	-3.92	41 / 45
2015	+0.00%	+2.84%	-2.84	47 / 66
2014	-0.09%	+4.08%	-4.17	70 / 76
2013	-0.37%	+2.34%	-2.70	62 / 76
2012	+0.04%	+3.72%	-3.68	59 / 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

+0.00%

185 windows

min -13.7% · max 12.6%

57% positive

3-Year rolling

-0.24%

160 windows

min -4.8% · max 3.2%

34% positive

5-Year rolling

-0.25%

136 windows

min -2.9% · max 0.1%

24% positive

7-Year rolling

-0.23%

112 windows

min -2.1% · max 0.0%

3% 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

7.08%

3-year · annualised

Sharpe ratio

-0.59

vs risk-free 6.5%

Sortino ratio

-0.82

Downside-only deviation

Max drawdown

-9.76%

May 2020 → May 2020

% positive months

80.6%

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	₹10.0047
24 Nov 2022	₹10.0024
23 Nov 2022	₹10.0015
22 Nov 2022	₹10.0125
21 Nov 2022	₹10.0110
18 Nov 2022	₹10.0060
17 Nov 2022	₹10.0046
16 Nov 2022	₹10.0025
15 Nov 2022	₹10.0110
14 Nov 2022	₹10.0089

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 Ultra Short Term Bond Fund - Regular - Dividend - Weekly 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 Ultra Short Term Bond Fund - Regular - Dividend - Weekly has NAV history starting from 18 Oct 2006, a track record of about 19 years 7 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 Ultra Short Term Bond Fund - Regular - Dividend - Weekly 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 Ultra Short Term Bond Fund - Regular - Dividend - Weekly has delivered a absolute return of 0.52% — +16.31 pp ahead of the Income category average of -15.79%. The fund ranks #140 of 309 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC Ultra Short Term Bond Fund - Regular - Dividend - Weekly has delivered a CAGR of 2.12% — +9.01 pp ahead of the Income category average of -6.89%. The fund ranks #40 of 95 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Ultra Short Term Bond Fund - Regular - Dividend - Weekly has delivered a CAGR of 0.00% — -2.94 pp behind the Income category average of 2.94%. The fund ranks #67 of 76 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HSBC Ultra Short Term Bond Fund - Regular - Dividend - Weekly exactly 10 years ago would be worth approximately ₹99,635 today — a multiplier of 1.00×, based on the 10-year CAGR of -0.04%. The category average over the same window would have grown ₹1 lakh to ₹131,897.

A ₹10,000 monthly SIP in HSBC Ultra Short Term Bond Fund - Regular - Dividend - Weekly over the last 5 years — total invested ₹600,000 — would be worth ₹615,013 today. That's an XIRR (money-weighted annualised return) of 0.97%.

A ₹10,000 monthly SIP for 10 years in HSBC Ultra Short Term Bond Fund - Regular - Dividend - Weekly = ₹1,200,000 invested. It would currently be worth ₹1,214,595 (multiplier 1.01×). XIRR: 0.24%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Ultra Short Term Bond Fund - Regular - Dividend - Weekly ranks #67 out of 76 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.94%; this fund delivered 0.00%.

The worst peak-to-trough decline HSBC Ultra Short Term Bond Fund - Regular - Dividend - Weekly has experienced over the last 5-year window is 13.95% — its NAV fell from a high on 02 Apr 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 Ultra Short Term Bond Fund - Regular - Dividend - Weekly averaged -0.25% (best 0.05%, worst -2.89%). 24% of rolling windows ended positive. The 5-year Sharpe ratio is -0.91 — negative risk-adjusted performance.

In calendar year 2021, HSBC Ultra Short Term Bond Fund - Regular - Dividend - Weekly returned 2.81% — lagging the Income category average of 4.64% by 1.84 pp. It ranked #15 of 19 in its category that year.

HSBC Ultra Short Term Bond Fund - Regular - Dividend - Weekly 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 Ultra Short Term Bond Fund - Regular - Dividend - Weekly 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: 14.0%. 5-year CAGR: 0.00%.

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