Should I invest in HSBC Equity Savings Fund - Direct Monthly IDCW?

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

Latest NAV

₹17.4725

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%	+7.25%	-7.18	14 / 52	Q2
1W	-0.07%	+6.89%	-6.96	10 / 52	Q1
2W	+0.40%	+7.13%	-6.74	10 / 52	Q1
1M	+0.33%	+7.13%	-6.80	9 / 51	Q1
3M	+1.97%	+6.63%	-4.66	10 / 51	Q1
6M	+0.74%	+6.00%	-5.25	13 / 51	Q2
YTD	+1.89%	+5.72%	-3.83	9 / 51	Q1
1Y	+3.73%	+8.33%	-4.61	12 / 50	Q1
2Y	+1.49%	+5.55%	-4.07	35 / 50	Q3
3Y	+5.76%	+6.83%	-1.08	24 / 48	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.69%	+5.77%	-0.08	21 / 50	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	+1.89%	-2.29%	+4.18	3 / 43
2025	-6.24%	+10.59%	-16.83	44 / 45
2024	+16.39%	+7.51%	+8.88	3 / 45
2023	+9.56%	+8.56%	+1.00	16 / 43
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

+6.59%

31 windows

min -6.7% · max 18.3%

68% positive

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

3-Year rolling

+5.99%

7 windows

min 5.6% · max 6.3%

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

8.04%

3-year · annualised

Sharpe ratio

-0.07

vs risk-free 6.5%

Sortino ratio

-0.09

Downside-only deviation

Max drawdown

-13.13%

Dec 2024 → Feb 2025

% positive months

75.0%

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 - IDCW Option - Direct Plan	HDFC	₹14.9190	3 Jun 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹24.6420	3 Jun 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.5800	3 Jun 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.2438	3 Jun 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.2530	3 Jun 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.4579	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW	Aditya Birla Sun Life	₹15.4200	3 Jun 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹14.9660	3 Jun 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.3610	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹17.4725
2 Jun 2026	₹17.4425
1 Jun 2026	₹17.4297
29 May 2026	₹17.4698
27 May 2026	₹17.5038
26 May 2026	₹17.4548
25 May 2026	₹17.5275
22 May 2026	₹17.4526
21 May 2026	₹17.4562
20 May 2026	₹17.4363

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 Monthly IDCW is ₹17.4725. It's a Equity Savings Fund from HSBC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Equity Savings 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 Equity Savings Fund - Direct Monthly IDCW 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 Monthly IDCW has delivered a absolute return of 3.73% — -4.61 pp behind the Equity Savings Fund category average of 8.33%. The fund ranks #12 of 50 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HSBC Equity Savings Fund - Direct Monthly IDCW has delivered a CAGR of 5.76% — -1.08 pp behind the Equity Savings Fund category average of 6.83%. The fund ranks #24 of 48 in its category — the second (Q2) quartile.

HSBC Equity Savings 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 Equity Savings Fund - Direct Monthly IDCW exactly 3 years ago would be worth approximately ₹118,286 today — a multiplier of 1.18×, based on the 3-year CAGR of 5.76%. The category average over the same window would have grown ₹1 lakh to ₹121,933.

A ₹10,000 monthly SIP in HSBC Equity Savings Fund - Direct Monthly IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹379,109 today. That's an XIRR (money-weighted annualised return) of 3.38%.

HSBC Equity Savings 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 ₹379,109 — XIRR 3.38%.

On a 3-year basis, HSBC Equity Savings Fund - Direct Monthly IDCW ranks #24 out of 48 funds in the Equity Savings Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.83%; this fund delivered 5.76%.

The worst peak-to-trough decline HSBC Equity Savings Fund - Direct Monthly IDCW has experienced over the last 3-year window is 13.13% — its NAV fell from a high on 17 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 Equity Savings Fund - Direct Monthly IDCW averaged 5.99% (best 6.33%, worst 5.56%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.07 — negative risk-adjusted performance.

In calendar year 2025, HSBC Equity Savings Fund - Direct Monthly IDCW returned -6.24% — lagging the Equity Savings Fund category average of 10.59% by 16.83 pp. It ranked #44 of 45 in its category that year.

HSBC Equity Savings Fund - Direct Monthly IDCW 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 Monthly IDCW 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.