Should I invest in HSBC Fixed Term Series 30 - Inst.?

We don't give personal investment advice. HSBC Fixed Term Series 30 - Inst. - Growth 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 Fixed Term Series 30 - Inst. - Growth

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%	-9.99%	+10.74	22 / 1129	Q1
1W	+0.82%	-13.04%	+13.85	54 / 1151	Q1
2W	+0.90%	-13.18%	+14.09	55 / 1149	Q1
1M	+1.08%	-13.26%	+14.34	79 / 1137	Q1
3M	+1.79%	-13.15%	+14.94	150 / 1116	Q1
6M	+2.77%	-15.45%	+18.23	288 / 906	Q2
YTD	+2.55%	-15.77%	+18.33	234 / 952	Q1
1Y	+9.78%	-13.09%	+22.86	85 / 820	Q1
2Y	+9.03%	-12.72%	+21.75	37 / 446	Q1
3Y	+9.44%	-11.01%	+20.45	12 / 385	Q1
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+9.50%	-13.63%	+23.13	107 / 1199	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
2010 YTD	+2.55%	-5.78%	+8.34	134 / 377
2009	+14.36%	-12.86%	+27.22	45 / 713
2008	+3.62%	-2.02%	+5.65	108 / 380
2007	—	—	—	—

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

+9.04%

25 windows

min -0.5% · max 20.1%

96% positive

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

3-Year rolling

—

Insufficient history

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

4.00%

3-year · annualised

Sharpe ratio

0.66

vs risk-free 6.5%

Sortino ratio

1.21

Downside-only deviation

Max drawdown

-5.09%

Sep 2008 → Oct 2008

% positive months

88.9%

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.

Recent NAVs

Date	NAV
10 Jun 2010	₹13.1482
9 Jun 2010	₹13.0505
8 Jun 2010	₹13.0490
7 Jun 2010	₹13.0476
4 Jun 2010	₹13.0433
3 Jun 2010	₹13.0418
2 Jun 2010	₹13.0404
1 Jun 2010	₹13.0389
31 May 2010	₹13.0374
28 May 2010	₹13.0336

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.

HSBC Fixed Term Series 30 - Inst. - Growth is a Income from HSBC (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

HSBC Fixed Term Series 30 - Inst. - Growth has NAV history starting from 18 Jun 2007, a track record of about 18 years 11 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

HSBC Fixed Term Series 30 - Inst. - Growth is managed by HSBC. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Fixed Term Series 30 - Inst. - Growth has delivered a absolute return of 9.78% — +22.86 pp ahead of the Income category average of -13.09%. The fund ranks #85 of 820 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HSBC Fixed Term Series 30 - Inst. - Growth has delivered a CAGR of 9.44% — +20.45 pp ahead of the Income category average of -11.01%. The fund ranks #12 of 385 in its category — the top (Q1) quartile.

HSBC Fixed Term Series 30 - Inst. - 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 Fixed Term Series 30 - Inst. - Growth exactly 3 years ago would be worth approximately ₹131,066 today — a multiplier of 1.31×, based on the 3-year CAGR of 9.44%. The category average over the same window would have grown ₹1 lakh to ₹70,476.

A ₹10,000 monthly SIP in HSBC Fixed Term Series 30 - Inst. - Growth over the last 1 year — total invested ₹120,000 — would be worth ₹124,751 today. That's an XIRR (money-weighted annualised return) of 7.40%.

HSBC Fixed Term Series 30 - Inst. - Growth doesn't yet have 10 years of NAVs. Over the longest available window (1-year SIP), ₹10,000/month would have grown to ₹124,751 — XIRR 7.40%.

On a 3-year basis, HSBC Fixed Term Series 30 - Inst. - Growth ranks #12 out of 385 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -11.01%; this fund delivered 9.44%.

The worst peak-to-trough decline HSBC Fixed Term Series 30 - Inst. - Growth has experienced over the last 3-year window is 5.09% — its NAV fell from a high on 29 Sep 2008 to a low on 20 Oct 2008. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

The 3-year Sharpe ratio is 0.66 — reasonable risk-adjusted performance.

In calendar year 2009, HSBC Fixed Term Series 30 - Inst. - Growth returned 14.36% — beating the Income category average of -12.86% by 27.22 pp. It ranked #45 of 713 in its category that year.

HSBC Fixed Term Series 30 - Inst. - Growth 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 Fixed Term Series 30 - Inst. - Growth 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.

HSBC Fixed Term Series 30 - Inst. - Growth

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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