Should I invest in HSBC Equity Savings Fund - Direct Growth?

We don't give personal investment advice. HSBC Equity Savings Fund - Direct 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 Equity Savings Fund - Direct Growth

Latest NAV

₹40.1874

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	+0.07%	+9.02%	-8.94	9 / 28	Q2
1W	-0.07%	+8.52%	-8.59	4 / 28	Q1
2W	+1.01%	+8.91%	-7.91	3 / 28	Q1
1M	+0.94%	+8.72%	-7.78	3 / 28	Q1
3M	+3.87%	+9.08%	-5.21	3 / 28	Q1
6M	+4.55%	+8.96%	-4.41	3 / 28	Q1
YTD	+5.08%	+8.58%	-3.49	3 / 28	Q1
1Y	+11.68%	+13.09%	-1.40	3 / 27	Q1
2Y	+9.41%	+9.64%	-0.23	3 / 25	Q1
3Y	+13.94%	+11.18%	+2.76	3 / 25	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+13.77%	+9.17%	+4.59	3 / 28	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	+5.08%	-0.46%	+5.54	1 / 26
2025	+1.20%	+16.65%	-15.45	25 / 25
2024	+25.27%	+10.84%	+14.43	1 / 25
2023	+17.85%	+12.95%	+4.90	2 / 24
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

+14.84%

31 windows

min 0.7% · max 27.3%

100% positive

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

3-Year rolling

+14.19%

7 windows

min 13.7% · max 14.5%

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

8.05%

3-year · annualised

Sharpe ratio

0.86

vs risk-free 6.5%

Sortino ratio

1.31

Downside-only deviation

Max drawdown

-11.53%

Jan 2025 → 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 Equity Savings Fund

Scheme	Fund house	NAV	As of
HDFC Equity Savings Fund - Growth Option - Direct Plan	HDFC	₹74.6780	3 Jun 2026
Nippon India Equity Savings Fund - Segregated Portfolio 2 - Direct Plan - Growth Plan - Bonus Option	Nippon India	₹0.0000	3 Jun 2026
SBI Equity Savings Fund - Direct Plan - Growth	SBI	₹26.9209	3 Jun 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Cumulative option	ICICI Prudential	₹24.6300	3 Jun 2026
Invesco India Equity Savings Fund - Direct Plan - Growth	Invesco	₹18.3233	3 Jun 2026
BANDHAN Equity Savings Fund-Direct Plan-Growth	Bandhan	₹35.5890	3 Jun 2026
quant Equity Savings Fund - Growth Option - Direct Plan	Quant	₹10.4797	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹25.3700	3 Jun 2026
Franklin India Equity Savings Fund- Growth Direct	Franklin India	₹18.3345	3 Jun 2026
Mirae Asset Equity Savings Fund- Direct Plan- Growth	Mirae Asset	₹22.3420	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹40.1874
2 Jun 2026	₹40.1185
1 Jun 2026	₹40.0890
29 May 2026	₹40.1813
27 May 2026	₹40.2594
26 May 2026	₹40.1468
25 May 2026	₹40.0706
22 May 2026	₹39.8994
21 May 2026	₹39.9077
20 May 2026	₹39.8622

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 Equity Savings Fund - Direct Growth is ₹40.1874. It's a Equity Savings Fund from HSBC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

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

Over the trailing 1-year window, HSBC Equity Savings Fund - Direct Growth has delivered a absolute return of 11.68% — -1.4 pp behind the Equity Savings Fund category average of 13.09%. The fund ranks #3 of 27 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HSBC Equity Savings Fund - Direct Growth has delivered a CAGR of 13.94% — +2.76 pp ahead of the Equity Savings Fund category average of 11.18%. The fund ranks #3 of 25 in its category — the top (Q1) quartile.

HSBC Equity Savings Fund - Direct 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 Equity Savings Fund - Direct Growth exactly 3 years ago would be worth approximately ₹147,926 today — a multiplier of 1.48×, based on the 3-year CAGR of 13.94%. The category average over the same window would have grown ₹1 lakh to ₹137,427.

A ₹10,000 monthly SIP in HSBC Equity Savings Fund - Direct Growth over the last 3 years — total invested ₹360,000 — would be worth ₹427,514 today. That's an XIRR (money-weighted annualised return) of 11.47%.

HSBC Equity Savings Fund - Direct Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹427,514 — XIRR 11.47%.

On a 3-year basis, HSBC Equity Savings Fund - Direct Growth ranks #3 out of 25 funds in the Equity Savings Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 11.18%; this fund delivered 13.94%.

The worst peak-to-trough decline HSBC Equity Savings Fund - Direct Growth has experienced over the last 3-year window is 11.53% — its NAV fell from a high on 02 Jan 2025 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 Equity Savings Fund - Direct Growth averaged 14.19% (best 14.53%, worst 13.74%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.86 — reasonable risk-adjusted performance.

In calendar year 2025, HSBC Equity Savings Fund - Direct Growth returned 1.20% — lagging the Equity Savings Fund category average of 16.65% by 15.45 pp. It ranked #25 of 25 in its category that year.

HSBC Equity Savings Fund - Direct 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 Equity Savings Fund - Direct 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.