Should I invest in HSBC Conservative Hybrid Fund - Direct Growth?

We don't give personal investment advice. HSBC Conservative Hybrid Fund - Direct Growth is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 6.1%. 5-year CAGR: 8.38%.

HSBC

HSBC Conservative Hybrid Fund - Direct Growth

Latest NAV

₹70.4441

As of

3 Jun 2026

3,230 NAV records on file

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	+0.19%	+28.03%	-27.84	4 / 19	Q1
1W	+0.26%	+21.43%	-21.17	3 / 20	Q1
2W	+1.28%	+21.87%	-20.59	3 / 20	Q1
1M	+0.14%	+17.95%	-17.80	5 / 20	Q1
3M	+1.52%	+24.54%	-23.02	3 / 19	Q1
6M	+1.90%	+17.20%	-15.30	2 / 18	Q1
YTD	+2.11%	+9.83%	-7.72	2 / 19	Q1
1Y	+2.46%	+20.85%	-18.38	9 / 18	Q2
2Y	+6.32%	+10.57%	-4.25	9 / 18	Q2
3Y	+9.57%	+8.42%	+1.16	3 / 17	Q1
4Y	+9.78%	+8.73%	+1.05	3 / 17	Q1
5Y	+8.38%	+8.00%	+0.38	9 / 16	Q3
7Y	+9.00%	+8.39%	+0.61	5 / 15	Q2
10Y	+8.52%	+8.30%	+0.22	7 / 15	Q2
Inception	+8.82%	+22.72%	-13.91	11 / 18	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	+2.11%	-0.59%	+2.70	1 / 17
2025	+2.59%	+6.91%	-4.32	17 / 17
2024	+16.96%	+11.24%	+5.73	1 / 17
2023	+12.13%	+11.79%	+0.34	9 / 17
2022	+1.98%	+21.59%	-19.62	14 / 17
2021	+9.82%	+3.40%	+6.42	11 / 17
2020	+12.81%	+10.27%	+2.55	5 / 15
2019	+9.66%	+7.64%	+2.02	5 / 15
2018	+0.90%	+2.08%	-1.18	11 / 15
2017	+9.65%	+10.89%	-1.24	10 / 15
2016	+9.19%	+10.70%	-1.51	13 / 15

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

+9.48%

152 windows

min -2.5% · max 26.4%

95% positive

3-Year rolling

+8.92%

127 windows

min 3.2% · max 13.6%

100% positive

5-Year rolling

+8.61%

103 windows

min 5.1% · max 11.2%

100% positive

7-Year rolling

+8.63%

79 windows

min 7.3% · max 10.3%

100% 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

5.34%

3-year · annualised

Sharpe ratio

0.53

vs risk-free 6.5%

Sortino ratio

0.98

Downside-only deviation

Max drawdown

-6.08%

Dec 2024 → Mar 2025

% positive months

72.2%

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.

Peers in Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC Hybrid Debt Fund - Growth Option - Direct Plan	HDFC	₹87.6361	3 Jun 2026
Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹67.3366	3 Jun 2026
SBI Conservative Hybrid Fund - Direct Plan - Growth	SBI	₹82.3146	3 Jun 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	ICICI Prudential	₹85.9815	3 Jun 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-Growth	Bandhan	₹36.1366	3 Jun 2026
Aditya Birla Sun Life Regular Savings Fund - Growth / Payment - Direct Plan	Aditya Birla Sun Life	₹77.2696	3 Jun 2026
Franklin India Conservative Hybrid Fund - Direct - GROWTH	Franklin India	₹100.2188	3 Jun 2026
Kotak Debt Hybrid - Growth - Direct	Kotak	₹67.9807	3 Jun 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	Parag Parikh	₹15.7248	3 Jun 2026
DSP Regular Savings Fund - Direct Plan - Growth	DSP	₹67.7367	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹70.4441
2 Jun 2026	₹70.4554
1 Jun 2026	₹70.3241
29 May 2026	₹70.4824
27 May 2026	₹70.5430
26 May 2026	₹70.2749
25 May 2026	₹70.2250
22 May 2026	₹70.0867
21 May 2026	₹69.9680
20 May 2026	₹69.8948

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.

As of 03 Jun 2026, the NAV of HSBC Conservative Hybrid Fund - Direct Growth is ₹70.4441. It's a Conservative Hybrid Fund from HSBC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HSBC Conservative Hybrid Fund - Direct Growth has NAV history starting from 11 Jan 2013, a track record of about 13 years 4 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

HSBC Conservative Hybrid Fund - Direct Growth is managed by HSBC. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Conservative Hybrid Fund - Direct Growth has delivered a absolute return of 2.46% — -18.38 pp behind the Conservative Hybrid Fund category average of 20.85%. The fund ranks #9 of 18 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC Conservative Hybrid Fund - Direct Growth has delivered a CAGR of 9.57% — +1.16 pp ahead of the Conservative Hybrid Fund category average of 8.42%. The fund ranks #3 of 17 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HSBC Conservative Hybrid Fund - Direct Growth has delivered a CAGR of 8.38% — +0.38 pp ahead of the Conservative Hybrid Fund category average of 8.00%. The fund ranks #9 of 16 in its category — the third (Q3) quartile.

₹1 lakh invested in HSBC Conservative Hybrid Fund - Direct Growth exactly 10 years ago would be worth approximately ₹226,511 today — a multiplier of 2.27×, based on the 10-year CAGR of 8.52%. The category average over the same window would have grown ₹1 lakh to ₹222,018.

A ₹10,000 monthly SIP in HSBC Conservative Hybrid Fund - Direct Growth over the last 5 years — total invested ₹600,000 — would be worth ₹741,697 today. That's an XIRR (money-weighted annualised return) of 8.41%.

A ₹10,000 monthly SIP for 10 years in HSBC Conservative Hybrid Fund - Direct Growth = ₹1,200,000 invested. It would currently be worth ₹1,872,643 (multiplier 1.56×). XIRR: 8.61%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Conservative Hybrid Fund - Direct Growth ranks #9 out of 16 funds in the Conservative Hybrid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.00%; this fund delivered 8.38%.

The worst peak-to-trough decline HSBC Conservative Hybrid Fund - Direct Growth has experienced over the last 5-year window is 6.08% — 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 Conservative Hybrid Fund - Direct Growth averaged 8.61% (best 11.17%, worst 5.06%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.34 — weak risk-adjusted performance.

In calendar year 2025, HSBC Conservative Hybrid Fund - Direct Growth returned 2.59% — lagging the Conservative Hybrid Fund category average of 6.91% by 4.32 pp. It ranked #17 of 17 in its category that year.

HSBC Conservative Hybrid Fund - Direct Growth is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. HSBC Conservative Hybrid Fund - Direct Growth is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 6.1%. 5-year CAGR: 8.38%.

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

HSBC Conservative Hybrid Fund - Direct Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Conservative Hybrid Fund

Recent NAVs

Frequently asked questions

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