Should I invest in HSBC Cash Fund - Inst.?

We don't give personal investment advice. HSBC Cash Fund - Inst. - 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: 1.3%. 5-year CAGR: 6.44%.

HSBC

HSBC Cash Fund - Inst. - 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	14 / 84	Q1
1W	+0.16%	-3.52%	+3.68	10 / 84	Q1
2W	+0.31%	-3.50%	+3.82	8 / 84	Q1
1M	+0.67%	-6.74%	+7.41	6 / 87	Q1
3M	+2.03%	-6.22%	+8.25	8 / 86	Q1
6M	+4.19%	-6.43%	+10.61	6 / 84	Q1
YTD	+8.65%	-6.15%	+14.80	3 / 85	Q1
1Y	+8.71%	-5.38%	+14.10	3 / 84	Q1
2Y	+8.29%	-6.52%	+14.81	1 / 86	Q1
3Y	+7.02%	-6.38%	+13.40	8 / 85	Q1
4Y	+5.98%	-7.58%	+13.56	13 / 74	Q1
5Y	+6.44%	-4.41%	+10.85	11 / 61	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.68%	-6.05%	+12.72	15 / 88	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
2012 YTD	+8.65%	+2.94%	+5.71	16 / 58
2011	+7.84%	-4.13%	+11.97	13 / 67
2010	+4.55%	-2.87%	+7.42	15 / 68
2009	+2.87%	-0.61%	+3.48	13 / 63
2008	+8.29%	+2.48%	+5.81	10 / 54
2007	+7.86%	+2.06%	+5.80	5 / 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

+6.55%

71 windows

min 2.5% · max 8.7%

100% positive

3-Year rolling

+5.85%

46 windows

min 5.0% · max 7.4%

100% positive

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

5-Year rolling

+6.28%

22 windows

min 6.1% · max 6.4%

100% 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

0.54%

3-year · annualised

Sharpe ratio

0.57

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% positive months

100.0%

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	₹18.2843
27 Dec 2012	₹18.2802
26 Dec 2012	₹18.2761
25 Dec 2012	₹18.2721
24 Dec 2012	₹18.2680
23 Dec 2012	₹18.2639
21 Dec 2012	₹18.2556
20 Dec 2012	₹18.2515
19 Dec 2012	₹18.2474
18 Dec 2012	₹18.2434

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. - 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. - 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. - 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. - Growth has delivered a absolute return of 8.71% — +14.1 pp ahead of the Liquid category average of -5.38%. The fund ranks #3 of 84 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HSBC Cash Fund - Inst. - Growth has delivered a CAGR of 7.02% — +13.4 pp ahead of the Liquid category average of -6.38%. The fund ranks #8 of 85 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HSBC Cash Fund - Inst. - Growth has delivered a CAGR of 6.44% — +10.85 pp ahead of the Liquid category average of -4.41%. The fund ranks #11 of 61 in its category — the top (Q1) quartile.

₹1 lakh invested in HSBC Cash Fund - Inst. - Growth exactly 5 years ago would be worth approximately ₹136,608 today — a multiplier of 1.37×, based on the 5-year CAGR of 6.44%. 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. - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹713,477 today. That's an XIRR (money-weighted annualised return) of 6.85%.

HSBC Cash Fund - Inst. - Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹713,477 — XIRR 6.85%.

On a 5-year basis, HSBC Cash Fund - Inst. - Growth ranks #11 out of 61 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -4.41%; this fund delivered 6.44%.

The worst peak-to-trough decline HSBC Cash Fund - Inst. - Growth has experienced over the last 5-year window is 1.29% — its NAV fell from a high on 30 Aug 2009 to a low on 31 Aug 2009. 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. - Growth averaged 6.28% (best 6.44%, worst 6.09%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.35 — negative risk-adjusted performance.

In calendar year 2011, HSBC Cash Fund - Inst. - Growth returned 7.84% — beating the Liquid category average of -4.13% by 11.97 pp. It ranked #13 of 67 in its category that year.

HSBC Cash Fund - Inst. - 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. - 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: 1.3%. 5-year CAGR: 6.44%.

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

HSBC Cash Fund - Inst. - Growth

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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