Should I invest in HSBC Fixed Term Series 30 - Regular?

We don't give personal investment advice. HSBC Fixed Term Series 30 - Regular - Dividend 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 - Regular - Dividend

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	-1.96%	-14.54%	+12.58	272 / 373	Q3
1W	-1.89%	-15.89%	+14.00	241 / 369	Q3
2W	-1.81%	-15.78%	+13.98	240 / 371	Q3
1M	-1.64%	-16.05%	+14.41	247 / 373	Q3
3M	-2.87%	-17.27%	+14.40	274 / 366	Q3
6M	-4.00%	-30.18%	+26.18	250 / 393	Q3
YTD	-2.15%	-32.85%	+30.71	247 / 414	Q3
1Y	-3.56%	-15.79%	+12.23	241 / 309	Q4
2Y	-2.58%	-13.41%	+10.83	116 / 142	Q4
3Y	0.00%	-6.89%	+6.89	70 / 95	Q3
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	0.00%	-35.69%	+35.69	172 / 497	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
2010 YTD	-2.15%	-11.73%	+9.58	103 / 132
2009	+1.06%	-33.69%	+34.75	96 / 316
2008	-1.88%	-14.40%	+12.52	89 / 119
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

-1.06%

25 windows

min -10.0% · max 8.4%

36% 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

6.40%

3-year · annualised

Sharpe ratio

-0.98

vs risk-free 6.5%

Sortino ratio

-1.26

Downside-only deviation

Max drawdown

-11.27%

Dec 2007 → Oct 2008

% positive months

69.4%

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	₹10.0304
9 Jun 2010	₹10.2305
8 Jun 2010	₹10.2294
7 Jun 2010	₹10.2283
4 Jun 2010	₹10.2249
3 Jun 2010	₹10.2238
2 Jun 2010	₹10.2226
1 Jun 2010	₹10.2215
31 May 2010	₹10.2203
28 May 2010	₹10.2173

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 - Regular - Dividend is a Income from HSBC (Regular 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 - Regular - Dividend 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 - Regular - Dividend 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 - Regular - Dividend has delivered a absolute return of -3.56% — +12.23 pp ahead of the Income category average of -15.79%. The fund ranks #241 of 309 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Fixed Term Series 30 - Regular - Dividend has delivered a CAGR of 0.00% — +6.89 pp ahead of the Income category average of -6.89%. The fund ranks #70 of 95 in its category — the third (Q3) quartile.

HSBC Fixed Term Series 30 - Regular - Dividend 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 - Regular - Dividend exactly 3 years ago would be worth approximately ₹99,987 today — a multiplier of 1.00×, based on the 3-year CAGR of -0.00%. The category average over the same window would have grown ₹1 lakh to ₹80,720.

A ₹10,000 monthly SIP in HSBC Fixed Term Series 30 - Regular - Dividend over the last 1 year — total invested ₹120,000 — would be worth ₹116,693 today. That's an XIRR (money-weighted annualised return) of -5.05%.

HSBC Fixed Term Series 30 - Regular - Dividend doesn't yet have 10 years of NAVs. Over the longest available window (1-year SIP), ₹10,000/month would have grown to ₹116,693 — XIRR -5.05%.

On a 3-year basis, HSBC Fixed Term Series 30 - Regular - Dividend ranks #70 out of 95 funds in the Income category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -6.89%; this fund delivered -0.00%.

The worst peak-to-trough decline HSBC Fixed Term Series 30 - Regular - Dividend has experienced over the last 3-year window is 11.27% — its NAV fell from a high on 10 Dec 2007 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 -0.98 — negative risk-adjusted performance.

In calendar year 2009, HSBC Fixed Term Series 30 - Regular - Dividend returned 1.06% — beating the Income category average of -33.69% by 34.75 pp. It ranked #96 of 316 in its category that year.

HSBC Fixed Term Series 30 - Regular - Dividend 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 - Regular - Dividend 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 - Regular - Dividend

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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