Should I invest in HSBC Cash Fund - Inst. Plus?

We don't give personal investment advice. HSBC Cash Fund - Inst. Plus - 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: 33.9%. 5-year CAGR: -1.76%.

HSBC

HSBC Cash Fund - Inst. Plus - Growth

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%	-3.56%	+3.58	10 / 84	Q1
1W	+0.16%	-3.52%	+3.69	8 / 84	Q1
2W	+0.33%	-3.50%	+3.83	6 / 84	Q1
1M	+0.70%	-6.74%	+7.44	5 / 87	Q1
3M	+2.10%	-6.22%	+8.31	6 / 86	Q1
6M	+4.31%	-6.43%	+10.74	4 / 84	Q1
YTD	+8.91%	-6.15%	+15.06	2 / 85	Q1
1Y	+8.98%	-5.38%	+14.36	2 / 84	Q1
2Y	-11.86%	-6.52%	-5.33	79 / 86	Q4
3Y	-6.57%	-6.38%	-0.19	78 / 85	Q4
4Y	-4.19%	-7.58%	+3.38	67 / 74	Q4
5Y	-1.76%	-4.41%	+2.65	56 / 61	Q4
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+0.58%	-6.05%	+6.63	40 / 88	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
2012 YTD	+8.91%	+2.94%	+5.97	14 / 58
2011	-28.72%	-4.13%	-24.59	63 / 67
2010	+4.97%	-2.87%	+7.84	13 / 68
2009	+3.28%	-0.61%	+3.90	12 / 63
2008	+8.59%	+2.48%	+6.12	7 / 54
2007	+8.02%	+2.06%	+5.96	2 / 45
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

+0.57%

70 windows

min -29.6% · max 9.0%

83% positive

3-Year rolling

+0.10%

45 windows

min -8.3% · max 7.7%

56% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

-1.50%

21 windows

min -2.1% · max 6.4%

5% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

19.52%

3-year · annualised

Sharpe ratio

-0.55

vs risk-free 6.5%

Sortino ratio

-0.56

Downside-only deviation

Max drawdown

-33.87%

May 2011 → May 2011

% positive months

97.2%

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
28 Dec 2012	₹11.4467
27 Dec 2012	₹11.4440
26 Dec 2012	₹11.4413
25 Dec 2012	₹11.4387
24 Dec 2012	₹11.4360
23 Dec 2012	₹11.4334
21 Dec 2012	₹11.4280
20 Dec 2012	₹11.4253
19 Dec 2012	₹11.4226
18 Dec 2012	₹11.4200

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 Cash Fund - Inst. Plus - Growth is a Liquid 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 Cash Fund - Inst. Plus - Growth has NAV history starting from 02 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 Cash Fund - Inst. Plus - Growth is managed by HSBC. It's classified by AMFI under the 'Liquid' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Cash Fund - Inst. Plus - Growth has delivered a absolute return of 8.98% — +14.36 pp ahead of the Liquid category average of -5.38%. The fund ranks #2 of 84 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HSBC Cash Fund - Inst. Plus - Growth has delivered a CAGR of -6.57% — -0.19 pp behind the Liquid category average of -6.38%. The fund ranks #78 of 85 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HSBC Cash Fund - Inst. Plus - Growth has delivered a CAGR of -1.76% — +2.65 pp ahead of the Liquid category average of -4.41%. The fund ranks #56 of 61 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HSBC Cash Fund - Inst. Plus - Growth exactly 5 years ago would be worth approximately ₹91,502 today — a multiplier of 0.92×, based on the 5-year CAGR of -1.76%. The category average over the same window would have grown ₹1 lakh to ₹79,808.

A ₹10,000 monthly SIP in HSBC Cash Fund - Inst. Plus - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹543,740 today. That's an XIRR (money-weighted annualised return) of -3.86%.

HSBC Cash Fund - Inst. Plus - Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹543,740 — XIRR -3.86%.

On a 5-year basis, HSBC Cash Fund - Inst. Plus - Growth ranks #56 out of 61 funds in the Liquid category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -4.41%; this fund delivered -1.76%.

The worst peak-to-trough decline HSBC Cash Fund - Inst. Plus - Growth has experienced over the last 5-year window is 33.87% — its NAV fell from a high on 04 May 2011 to a low on 20 May 2011. 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 Cash Fund - Inst. Plus - Growth averaged -1.50% (best 6.42%, worst -2.06%). 5% of rolling windows ended positive. The 5-year Sharpe ratio is -0.45 — negative risk-adjusted performance.

In calendar year 2011, HSBC Cash Fund - Inst. Plus - Growth returned -28.72% — lagging the Liquid category average of -4.13% by 24.59 pp. It ranked #63 of 67 in its category that year.

HSBC Cash Fund - Inst. Plus - 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 Cash Fund - Inst. Plus - 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: 33.9%. 5-year CAGR: -1.76%.

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