Should I invest in HSBC Dynamic Bond Fund - Direct Monthly IDCW?

We don't give personal investment advice. HSBC Dynamic Bond Fund - Direct Monthly IDCW 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.

HSBC

HSBC Dynamic Bond Fund - Direct Monthly IDCW

Latest NAV

₹12.6856

As of

3 Jun 2026

850 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	+0.09%	+17.32%	-17.23	13 / 68	Q1
1W	+0.21%	+14.16%	-13.95	25 / 70	Q2
2W	+0.46%	+15.97%	-15.51	31 / 69	Q2
1M	+0.04%	+15.90%	-15.86	48 / 69	Q3
3M	-0.27%	+15.94%	-16.21	43 / 69	Q3
6M	+0.17%	+17.09%	-16.92	42 / 69	Q3
YTD	-0.16%	+15.85%	-16.01	50 / 69	Q3
1Y	-0.02%	+18.41%	-18.43	35 / 69	Q3
2Y	-0.22%	+7.92%	-8.14	57 / 68	Q4
3Y	-0.10%	+2.85%	-2.95	52 / 63	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-0.10%	+7.98%	-8.08	65 / 68	Q4

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	-0.16%	+0.03%	-0.20	39 / 55
2025	-0.18%	+2.58%	-2.76	51 / 57
2024	+0.23%	+4.34%	-4.10	46 / 57
2023	+0.00%	+1.22%	-1.22	49 / 60
2022	—	—	—	—

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

-0.21%

31 windows

min -2.5% · max 1.5%

39% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

-0.18%

7 windows

min -0.4% · max 0.0%

0% positive

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

5-Year rolling

—

Insufficient history

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

2.24%

3-year · annualised

Sharpe ratio

-2.94

vs risk-free 6.5%

Sortino ratio

-4.27

Downside-only deviation

Max drawdown

-4.65%

Apr 2025 → Aug 2025

% positive months

52.8%

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 Dynamic Bond Fund

Scheme	Fund house	NAV	As of
HDFC Dynamic Debt Fund - Half Yearly IDCW - Direct Plan	HDFC	₹13.6543	3 Jun 2026
NIPPON INDIA DYNAMIC BOND FUND - Direct Plan - IDCW Option	Nippon India	₹29.9231	3 Jun 2026
SBI Dynamic Bond Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.6379	3 Jun 2026
ICICI Prudential All Seasons Bond Fund - Direct Plan - Annual IDCW	ICICI Prudential	₹11.2620	3 Jun 2026
BANDHAN Dynamic Bond Fund-Direct Plan-Annual IDCW	Bandhan	₹11.7487	3 Jun 2026
Quantum Dynamic Bond Fund - Direct Plan Monthly IDCW	Quantum	₹10.1944	3 Jun 2026
Aditya Birla Sun Life Dynamic Bond Fund -Direct - IDCW	Aditya Birla Sun Life	₹12.9569	3 Jun 2026
Franklin India Dynamic Accrual Fund-Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct IDCW	Franklin India	₹0.0000	3 Jun 2026
Mirae Asset Dynamic Bond Fund Direct IDCW	Mirae Asset	₹18.5922	3 Jun 2026
Kotak Dynamic Bond Fund - Direct Plan - Standard Income Distribution cum capital withdrawal option	Kotak	₹14.8223	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹12.6856
2 Jun 2026	₹12.6930
1 Jun 2026	₹12.6817
29 May 2026	₹12.6798
27 May 2026	₹12.6726
26 May 2026	₹12.6667
25 May 2026	₹12.6637
22 May 2026	₹12.6351
21 May 2026	₹12.6238
20 May 2026	₹12.6413

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 Dynamic Bond Fund - Direct Monthly IDCW is ₹12.6856. It's a Dynamic Bond Fund from HSBC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Dynamic Bond Fund - Direct Monthly IDCW has NAV history starting from 28 Nov 2022, a track record of about 3 years 6 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

HSBC Dynamic Bond Fund - Direct Monthly IDCW is managed by HSBC. It's classified by AMFI under the 'Dynamic Bond Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Dynamic Bond Fund - Direct Monthly IDCW has delivered a absolute return of -0.02% — -18.43 pp behind the Dynamic Bond Fund category average of 18.41%. The fund ranks #35 of 69 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC Dynamic Bond Fund - Direct Monthly IDCW has delivered a CAGR of -0.10% — -2.95 pp behind the Dynamic Bond Fund category average of 2.85%. The fund ranks #52 of 63 in its category — the bottom (Q4) quartile.

HSBC Dynamic Bond Fund - Direct Monthly IDCW doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in HSBC Dynamic Bond Fund - Direct Monthly IDCW exactly 3 years ago would be worth approximately ₹99,699 today — a multiplier of 1.00×, based on the 3-year CAGR of -0.10%. The category average over the same window would have grown ₹1 lakh to ₹108,786.

A ₹10,000 monthly SIP in HSBC Dynamic Bond Fund - Direct Monthly IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹359,778 today. That's an XIRR (money-weighted annualised return) of -0.04%.

HSBC Dynamic Bond Fund - Direct Monthly IDCW doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹359,778 — XIRR -0.04%.

On a 3-year basis, HSBC Dynamic Bond Fund - Direct Monthly IDCW ranks #52 out of 63 funds in the Dynamic Bond Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.85%; this fund delivered -0.10%.

The worst peak-to-trough decline HSBC Dynamic Bond Fund - Direct Monthly IDCW has experienced over the last 3-year window is 4.65% — its NAV fell from a high on 24 Apr 2025 to a low on 26 Aug 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, HSBC Dynamic Bond Fund - Direct Monthly IDCW averaged -0.18% (best -0.05%, worst -0.44%). 0% of rolling windows ended positive. The 3-year Sharpe ratio is -2.94 — negative risk-adjusted performance.

In calendar year 2025, HSBC Dynamic Bond Fund - Direct Monthly IDCW returned -0.18% — lagging the Dynamic Bond Fund category average of 2.58% by 2.76 pp. It ranked #51 of 57 in its category that year.

HSBC Dynamic Bond Fund - Direct Monthly IDCW 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 Dynamic Bond Fund - Direct Monthly IDCW 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.

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