Should I invest in HSBC ELSS Tax saver Fund - Regular Growth?

We don't give personal investment advice. HSBC ELSS Tax saver Fund - Regular Growth is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding.

HSBC

HSBC ELSS Tax saver Fund - Regular Growth

Latest NAV

₹134.2196

As of

3 Jun 2026

864 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	+0.75%	+0.26%	+0.49	2 / 39	Q1
1W	-0.42%	-1.20%	+0.78	11 / 39	Q2
2W	+1.42%	+0.29%	+1.13	7 / 39	Q1
1M	+0.01%	-0.80%	+0.81	10 / 39	Q2
3M	+1.61%	+1.50%	+0.10	16 / 39	Q2
6M	-1.78%	-1.37%	-0.41	14 / 39	Q2
YTD	-1.80%	-0.13%	-1.67	15 / 39	Q2
1Y	+1.80%	+7.59%	-5.79	18 / 39	Q2
2Y	+4.71%	+5.80%	-1.09	17 / 38	Q2
3Y	+16.42%	+13.52%	+2.90	7 / 38	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+15.43%	+12.52%	+2.91	9 / 39	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
2026 YTD	-1.80%	-4.18%	+2.38	10 / 34
2025	-0.19%	+2.03%	-2.23	25 / 34
2024	+33.32%	+18.62%	+14.70	3 / 34
2023	+27.68%	+30.88%	-3.19	15 / 32
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

+20.61%

31 windows

min -1.8% · max 48.6%

90% positive

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

3-Year rolling

+18.10%

7 windows

min 16.4% · max 20.7%

100% 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

15.20%

3-year · annualised

Sharpe ratio

0.66

vs risk-free 6.5%

Sortino ratio

0.99

Downside-only deviation

Max drawdown

-19.34%

Dec 2024 → Feb 2025

% positive months

77.8%

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 ELSS

Scheme	Fund house	NAV	As of
SBI Long Term Advantage Fund - Series IV - Regular Plan - Growth	SBI	₹45.3372	3 Jun 2026
Quantum ELSS Tax Saver Fund - Regular Plan Growth Option	Quantum	₹115.4600	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund - Regular Plan - Growth Option	Motilal Oswal	₹53.7245	3 Jun 2026
Mirae Asset ELSS Tax Saver Fund - Regular Plan - Growth	Mirae Asset	₹48.1190	3 Jun 2026
Parag Parikh ELSS Tax Saver Fund- Regular Growth	Parag Parikh	₹28.8835	3 Jun 2026
BARODA BNP PARIBAS ELSS Tax Saver Fund - Regular - Growth Option	Baroda BNP Paribas	₹94.7276	3 Jun 2026
PGIM India ELSS Tax Saver Fund - Regular Plan - Growth Option	PGIM India	₹32.4100	3 Jun 2026
Axis ELSS Tax Saver Fund - Regular Plan - Growth	Axis	₹91.0469	3 Jun 2026
360 ONE ELSS Tax Saver Nifty 50 Index Fund - Regular Plan - Growth	360 ONE	₹13.1353	3 Jun 2026
BAJAJ FINSERV ELSS TAX SAVER FUND - REGULAR - GROWTH	Bajaj Finserv	₹11.0910	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹134.2196
2 Jun 2026	₹134.6451
1 Jun 2026	₹133.6437
29 May 2026	₹135.2115
27 May 2026	₹136.1707
26 May 2026	₹135.2127
25 May 2026	₹135.4621
22 May 2026	₹133.9692
21 May 2026	₹133.9582
20 May 2026	₹133.4602

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 ELSS Tax saver Fund - Regular Growth is ₹134.2196. It's a ELSS from HSBC, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

HSBC ELSS Tax saver Fund - Regular Growth 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 ELSS Tax saver Fund - Regular Growth is managed by HSBC. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC ELSS Tax saver Fund - Regular Growth has delivered a absolute return of 1.80% — -5.79 pp behind the ELSS category average of 7.59%. The fund ranks #18 of 39 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC ELSS Tax saver Fund - Regular Growth has delivered a CAGR of 16.42% — +2.9 pp ahead of the ELSS category average of 13.52%. The fund ranks #7 of 38 in its category — the top (Q1) quartile.

HSBC ELSS Tax saver Fund - Regular Growth 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 ELSS Tax saver Fund - Regular Growth exactly 3 years ago would be worth approximately ₹157,801 today — a multiplier of 1.58×, based on the 3-year CAGR of 16.42%. The category average over the same window would have grown ₹1 lakh to ₹146,296.

A ₹10,000 monthly SIP in HSBC ELSS Tax saver Fund - Regular Growth over the last 3 years — total invested ₹360,000 — would be worth ₹413,372 today. That's an XIRR (money-weighted annualised return) of 9.18%.

HSBC ELSS Tax saver Fund - Regular Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹413,372 — XIRR 9.18%.

On a 3-year basis, HSBC ELSS Tax saver Fund - Regular Growth ranks #7 out of 38 funds in the ELSS category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 13.52%; this fund delivered 16.42%.

The worst peak-to-trough decline HSBC ELSS Tax saver Fund - Regular Growth has experienced over the last 3-year window is 19.34% — its NAV fell from a high on 16 Dec 2024 to a low on 28 Feb 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 ELSS Tax saver Fund - Regular Growth averaged 18.10% (best 20.66%, worst 16.37%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.66 — reasonable risk-adjusted performance.

In calendar year 2025, HSBC ELSS Tax saver Fund - Regular Growth returned -0.19% — lagging the ELSS category average of 2.03% by 2.23 pp. It ranked #25 of 34 in its category that year.

HSBC ELSS Tax saver Fund - Regular Growth is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. HSBC ELSS Tax saver Fund - Regular Growth is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

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.