Should I invest in HSBC Cash Fund - Regular?

We don't give personal investment advice. HSBC Cash Fund - 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: 2.0%. 5-year CAGR: 6.17%.

HSBC

HSBC Cash Fund - Regular - 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%	+0.01%	+0.01	8 / 34	Q1
1W	+0.14%	+0.04%	+0.10	5 / 33	Q1
2W	+0.29%	+0.09%	+0.20	4 / 33	Q1
1M	+0.61%	+0.18%	+0.43	2 / 34	Q1
3M	+1.86%	+0.07%	+1.79	2 / 34	Q1
6M	+3.87%	+0.79%	+3.08	1 / 34	Q1
YTD	+8.19%	+1.47%	+6.73	1 / 32	Q1
1Y	+8.26%	+2.17%	+6.08	2 / 32	Q1
2Y	+7.96%	+3.02%	+4.95	2 / 27	Q1
3Y	+6.72%	+3.56%	+3.16	7 / 17	Q2
4Y	+5.69%	+3.15%	+2.54	7 / 17	Q2
5Y	+6.17%	+2.55%	+3.61	4 / 16	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.44%	+1.85%	+4.59	5 / 34	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	+8.19%	+4.24%	+3.95	5 / 16
2011	+7.66%	+2.94%	+4.72	4 / 16
2010	+4.29%	+1.87%	+2.42	5 / 26
2009	+2.62%	+1.35%	+1.27	8 / 31
2008	+8.09%	+2.27%	+5.83	5 / 25
2007	+7.70%	+2.44%	+5.25	1 / 12
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

+6.33%

71 windows

min 2.2% · max 8.4%

100% positive

3-Year rolling

+5.63%

46 windows

min 4.8% · max 7.2%

100% positive

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

5-Year rolling

+6.06%

22 windows

min 5.9% · max 6.2%

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

0.53%

3-year · annualised

Sharpe ratio

0.05

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	₹17.9770
27 Dec 2012	₹17.9733
26 Dec 2012	₹17.9696
25 Dec 2012	₹17.9659
24 Dec 2012	₹17.9623
23 Dec 2012	₹17.9586
21 Dec 2012	₹17.9510
20 Dec 2012	₹17.9473
19 Dec 2012	₹17.9436
18 Dec 2012	₹17.9400

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 - Regular - Growth is a Liquid 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 Cash Fund - Regular - 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 - Regular - 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 - Regular - Growth has delivered a absolute return of 8.26% — +6.08 pp ahead of the Liquid category average of 2.17%. The fund ranks #2 of 32 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HSBC Cash Fund - Regular - Growth has delivered a CAGR of 6.72% — +3.16 pp ahead of the Liquid category average of 3.56%. The fund ranks #7 of 17 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Cash Fund - Regular - Growth has delivered a CAGR of 6.17% — +3.61 pp ahead of the Liquid category average of 2.55%. The fund ranks #4 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in HSBC Cash Fund - Regular - Growth exactly 5 years ago would be worth approximately ₹134,886 today — a multiplier of 1.35×, based on the 5-year CAGR of 6.17%. The category average over the same window would have grown ₹1 lakh to ₹113,435.

A ₹10,000 monthly SIP in HSBC Cash Fund - Regular - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹708,037 today. That's an XIRR (money-weighted annualised return) of 6.55%.

HSBC Cash Fund - Regular - Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹708,037 — XIRR 6.55%.

On a 5-year basis, HSBC Cash Fund - Regular - Growth ranks #4 out of 16 funds in the Liquid category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.55%; this fund delivered 6.17%.

The worst peak-to-trough decline HSBC Cash Fund - Regular - Growth has experienced over the last 5-year window is 2.04% — 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 - Regular - Growth averaged 6.06% (best 6.18%, worst 5.88%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.72 — negative risk-adjusted performance.

In calendar year 2011, HSBC Cash Fund - Regular - Growth returned 7.66% — beating the Liquid category average of 2.94% by 4.72 pp. It ranked #4 of 16 in its category that year.

HSBC Cash Fund - 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 Cash Fund - 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: 2.0%. 5-year CAGR: 6.17%.

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

HSBC Cash Fund - Regular - Growth

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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