Should I invest in HSBC Conservative Hybrid Fund - Direct Monthly IDCW?

We don't give personal investment advice. HSBC Conservative Hybrid Fund - Direct Monthly IDCW 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: 9.3%. 5-year CAGR: 0.96%.

HSBC

HSBC Conservative Hybrid Fund - Direct Monthly IDCW

Latest NAV

₹17.1780

As of

3 Jun 2026

3,235 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%	+28.60%	-28.41	8 / 44	Q1
1W	+0.26%	+25.50%	-25.24	9 / 45	Q1
2W	+0.65%	+25.90%	-25.25	9 / 45	Q1
1M	-0.48%	+25.25%	-25.73	29 / 44	Q3
3M	-0.36%	+27.70%	-28.06	15 / 43	Q2
6M	-1.83%	+20.63%	-22.46	16 / 41	Q2
YTD	-1.02%	+16.85%	-17.87	14 / 42	Q2
1Y	-4.76%	+22.20%	-26.96	29 / 41	Q3
2Y	-1.20%	+6.89%	-8.09	29 / 41	Q3
3Y	+1.83%	+2.36%	-0.53	18 / 38	Q2
4Y	+2.08%	+2.88%	-0.79	17 / 38	Q2
5Y	+0.96%	+2.44%	-1.48	22 / 36	Q3
7Y	+1.51%	+2.63%	-1.12	18 / 34	Q3
10Y	+1.74%	+2.19%	-0.44	12 / 32	Q2
Inception	+2.44%	+18.00%	-15.56	17 / 40	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
2026 YTD	-1.02%	-2.43%	+1.41	9 / 35
2025	-4.64%	+0.75%	-5.38	35 / 37
2024	+8.73%	+4.66%	+4.07	8 / 37
2023	+4.38%	+5.35%	-0.97	22 / 37
2022	-4.84%	+22.58%	-27.42	36 / 38
2021	+3.08%	+1.59%	+1.49	24 / 38
2020	+5.13%	+4.76%	+0.36	20 / 35
2019	+0.94%	+0.47%	+0.47	18 / 35
2018	-6.82%	-3.59%	-3.23	29 / 35
2017	+6.36%	+4.34%	+2.02	9 / 35
2016	+8.44%	+3.67%	+4.77	4 / 33

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

+3.15%

152 windows

min -9.2% · max 21.5%

66% positive

3-Year rolling

+2.59%

127 windows

min -3.8% · max 8.8%

87% positive

5-Year rolling

+2.16%

103 windows

min -1.0% · max 5.8%

88% positive

7-Year rolling

+2.07%

79 windows

min 0.8% · max 4.2%

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

5.32%

3-year · annualised

Sharpe ratio

-0.85

vs risk-free 6.5%

Sortino ratio

-1.19

Downside-only deviation

Max drawdown

-8.99%

Dec 2024 → Mar 2026

% positive months

61.1%

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 - IDCW Monthly - Direct Plan	HDFC	₹14.9578	3 Jun 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - MONTHLY IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Conservative Hybrid Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹25.1501	3 Jun 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹16.5400	3 Jun 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-IDCW	Bandhan	₹12.9865	3 Jun 2026
Aditya Birla Sun Life Regular Savings Fund - DIRECT - MONTHLY IDCW	Aditya Birla Sun Life	₹26.6729	3 Jun 2026
Franklin India Conservative Hybrid Fund - Plan A - Direct - Monthly - IDCW	Franklin India	₹14.1894	3 Jun 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option - Direct	Kotak	₹13.2775	3 Jun 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Monthly IDCW	Parag Parikh	₹10.8153	3 Jun 2026
DSP Regular Savings Fund - Direct Plan - IDCW - Monthly	DSP	₹13.9942	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹17.1780
2 Jun 2026	₹17.1807
1 Jun 2026	₹17.1487
29 May 2026	₹17.1873
27 May 2026	₹17.2021
26 May 2026	₹17.1367
25 May 2026	₹17.2314
22 May 2026	₹17.1975
21 May 2026	₹17.1684
20 May 2026	₹17.1504

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 Monthly IDCW is ₹17.1780. It's a Conservative Hybrid Fund from HSBC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Conservative Hybrid Fund - Direct Monthly IDCW has NAV history starting from 04 Jan 2013, a track record of about 13 years 5 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 Monthly IDCW 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 Monthly IDCW has delivered a absolute return of -4.76% — -26.96 pp behind the Conservative Hybrid Fund category average of 22.20%. The fund ranks #29 of 41 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC Conservative Hybrid Fund - Direct Monthly IDCW has delivered a CAGR of 1.83% — -0.53 pp behind the Conservative Hybrid Fund category average of 2.36%. The fund ranks #18 of 38 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Conservative Hybrid Fund - Direct Monthly IDCW has delivered a CAGR of 0.96% — -1.48 pp behind the Conservative Hybrid Fund category average of 2.44%. The fund ranks #22 of 36 in its category — the third (Q3) quartile.

₹1 lakh invested in HSBC Conservative Hybrid Fund - Direct Monthly IDCW exactly 10 years ago would be worth approximately ₹118,864 today — a multiplier of 1.19×, based on the 10-year CAGR of 1.74%. The category average over the same window would have grown ₹1 lakh to ₹124,160.

A ₹10,000 monthly SIP in HSBC Conservative Hybrid Fund - Direct Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹611,510 today. That's an XIRR (money-weighted annualised return) of 0.75%.

A ₹10,000 monthly SIP for 10 years in HSBC Conservative Hybrid Fund - Direct Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,272,966 (multiplier 1.06×). XIRR: 1.17%. 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 Monthly IDCW ranks #22 out of 36 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 2.44%; this fund delivered 0.96%.

The worst peak-to-trough decline HSBC Conservative Hybrid Fund - Direct Monthly IDCW has experienced over the last 5-year window is 9.25% — its NAV fell from a high on 18 Oct 2021 to a low on 16 Jun 2022. 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 Monthly IDCW averaged 2.16% (best 5.76%, worst -0.97%). 88% of rolling windows ended positive. The 5-year Sharpe ratio is -1.05 — negative risk-adjusted performance.

In calendar year 2025, HSBC Conservative Hybrid Fund - Direct Monthly IDCW returned -4.64% — lagging the Conservative Hybrid Fund category average of 0.75% by 5.38 pp. It ranked #35 of 37 in its category that year.

HSBC Conservative Hybrid Fund - Direct Monthly IDCW 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 Monthly IDCW 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: 9.3%. 5-year CAGR: 0.96%.

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