Should I invest in HSBC Equity Savings Fund - Regular Quarterly IDCW?

We don't give personal investment advice. HSBC Equity Savings Fund - Regular Quarterly 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 - Regular Quarterly IDCW

Latest NAV

₹16.4477

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%	0.00%	+0.07	12 / 31	Q2
1W	-0.09%	-0.52%	+0.44	4 / 31	Q1
2W	+0.97%	-0.20%	+1.18	1 / 31	Q1
1M	+0.87%	-0.36%	+1.24	2 / 31	Q1
3M	+1.55%	-0.98%	+2.53	6 / 31	Q1
6M	+0.00%	-2.07%	+2.08	7 / 31	Q1
YTD	+2.60%	-2.02%	+4.62	3 / 31	Q1
1Y	+2.52%	+0.21%	+2.31	13 / 30	Q2
2Y	+0.58%	+1.92%	-1.34	17 / 29	Q3
3Y	+4.85%	+4.84%	+0.01	15 / 28	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+4.90%	+4.74%	+0.16	14 / 31	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	+2.60%	-2.62%	+5.22	1 / 29
2025	-7.09%	+1.74%	-8.83	27 / 27
2024	+15.46%	+7.43%	+8.02	3 / 28
2023	+8.79%	+8.86%	-0.08	11 / 26
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

+5.76%

31 windows

min -7.6% · max 17.3%

61% positive

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

3-Year rolling

+5.16%

7 windows

min 4.7% · max 5.5%

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

8.27%

3-year · annualised

Sharpe ratio

-0.17

vs risk-free 6.5%

Sortino ratio

-0.23

Downside-only deviation

Max drawdown

-14.16%

Dec 2024 → Apr 2025

% 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 Equity Savings Fund

Scheme	Fund house	NAV	As of
SBI Equity Savings Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.5225	3 Jun 2026
Invesco India Equity Savings Fund - Regular Plan - IDCW (Payout / Reinvestment)	Invesco	₹16.2477	3 Jun 2026
BANDHAN Equity Savings Fund - Regular Plan -Annual IDCW	Bandhan	₹12.3290	3 Jun 2026
quant Equity Savings Fund - IDCW Option - Regular Plan	Quant	₹10.3253	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Regular - IDCW	Aditya Birla Sun Life	₹13.0500	3 Jun 2026
Mirae Asset Equity Savings Fund Regular IDCW	Mirae Asset	₹12.2450	3 Jun 2026
Kotak Equity Savings Fund - Regular - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹19.6748	3 Jun 2026
Edelweiss Equity Savings Fund - Regular Plan - IDCW Option	Edelweiss	₹18.1949	3 Jun 2026
DSP Equity Savings Fund - Regular Plan - IDCW	DSP	₹11.9260	3 Jun 2026
HSBC Equity Savings Fund - Regular Monthly IDCW	HSBC	₹15.3237	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹16.4477
2 Jun 2026	₹16.4198
1 Jun 2026	₹16.4081
29 May 2026	₹16.4471
27 May 2026	₹16.4798
26 May 2026	₹16.4341
25 May 2026	₹16.4033
22 May 2026	₹16.3343
21 May 2026	₹16.3381
20 May 2026	₹16.3199

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 - Regular Quarterly IDCW is ₹16.4477. It's a Equity Savings Fund from HSBC, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Equity Savings Fund - Regular Quarterly 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 - Regular Quarterly 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 - Regular Quarterly IDCW has delivered a absolute return of 2.52% — +2.31 pp ahead of the Equity Savings Fund category average of 0.21%. The fund ranks #13 of 30 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC Equity Savings Fund - Regular Quarterly IDCW has delivered a CAGR of 4.85% — +0.01 pp ahead of the Equity Savings Fund category average of 4.84%. The fund ranks #15 of 28 in its category — the third (Q3) quartile.

HSBC Equity Savings Fund - Regular Quarterly 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 - Regular Quarterly IDCW exactly 3 years ago would be worth approximately ₹115,266 today — a multiplier of 1.15×, based on the 3-year CAGR of 4.85%. The category average over the same window would have grown ₹1 lakh to ₹115,237.

A ₹10,000 monthly SIP in HSBC Equity Savings Fund - Regular Quarterly IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹375,643 today. That's an XIRR (money-weighted annualised return) of 2.78%.

HSBC Equity Savings Fund - Regular Quarterly IDCW doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹375,643 — XIRR 2.78%.

On a 3-year basis, HSBC Equity Savings Fund - Regular Quarterly IDCW ranks #15 out of 28 funds in the Equity Savings Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 4.84%; this fund delivered 4.85%.

The worst peak-to-trough decline HSBC Equity Savings Fund - Regular Quarterly IDCW has experienced over the last 3-year window is 14.16% — its NAV fell from a high on 17 Dec 2024 to a low on 07 Apr 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 - Regular Quarterly IDCW averaged 5.16% (best 5.51%, worst 4.66%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.17 — negative risk-adjusted performance.

In calendar year 2025, HSBC Equity Savings Fund - Regular Quarterly IDCW returned -7.09% — lagging the Equity Savings Fund category average of 1.74% by 8.83 pp. It ranked #27 of 27 in its category that year.

HSBC Equity Savings Fund - Regular Quarterly 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 - Regular Quarterly 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.