Should I invest in HSBC Flexi Cap Fund - Direct IDCW?

We don't give personal investment advice. HSBC Flexi Cap Fund - Direct 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. Worst 5-year drawdown: 29.6%. 5-year CAGR: 8.32%.

HSBC

HSBC Flexi Cap Fund - Direct IDCW

Latest NAV

₹45.0288

As of

3 Jun 2026

3,298 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	+0.25%	-0.75%	+1.01	27 / 105	Q2
1W	-1.70%	-1.81%	+0.11	77 / 104	Q3
2W	+0.62%	-1.11%	+1.74	27 / 104	Q2
1M	+0.20%	-1.16%	+1.36	44 / 104	Q2
3M	+3.57%	+1.00%	+2.57	34 / 103	Q2
6M	-9.35%	+1.92%	-11.27	80 / 100	Q4
YTD	-9.36%	-1.23%	-8.13	79 / 98	Q4
1Y	-4.90%	+9.43%	-14.34	68 / 88	Q4
2Y	-3.11%	+5.85%	-8.96	68 / 82	Q4
3Y	+11.29%	+10.05%	+1.23	35 / 71	Q2
4Y	+11.51%	+9.63%	+1.88	17 / 39	Q2
5Y	+8.32%	+8.82%	-0.50	19 / 34	Q3
7Y	+7.94%	+10.71%	-2.77	19 / 27	Q3
10Y	+6.40%	+8.89%	-2.50	11 / 17	Q3
Inception	+7.01%	+8.04%	-1.04	58 / 105	Q3

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	-9.36%	-6.20%	-3.16	34 / 46
2025	-7.30%	+1.97%	-9.27	42 / 43
2024	+29.26%	+18.83%	+10.43	6 / 42
2023	+29.77%	+26.32%	+3.45	9 / 36
2022	-12.17%	-2.27%	-9.90	31 / 36
2021	+24.12%	+23.11%	+1.01	30 / 50
2020	+8.34%	+11.58%	-3.24	36 / 56
2019	-1.87%	+5.80%	-7.67	57 / 68
2018	-15.88%	-11.53%	-4.35	25 / 33
2017	+32.26%	+29.49%	+2.77	10 / 30
2016	+5.89%	-0.10%	+5.98	6 / 30

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

+11.45%

152 windows

min -37.4% · max 70.5%

59% positive

3-Year rolling

+8.01%

127 windows

min -14.6% · max 22.0%

86% positive

5-Year rolling

+6.88%

103 windows

min -8.2% · max 18.6%

87% positive

7-Year rolling

+5.99%

79 windows

min 0.9% · max 9.8%

100% positive

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

18.91%

3-year · annualised

Sharpe ratio

0.32

vs risk-free 6.5%

Sortino ratio

0.44

Downside-only deviation

Max drawdown

-29.21%

Sep 2024 → Mar 2026

% 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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Flexi Cap Fund - IDCW Option - Direct Plan	HDFC	₹85.5390	3 Jun 2026
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.0211	3 Jun 2026
SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹58.6919	2 Jun 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹16.7500	3 Jun 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹17.0200	3 Jun 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹49.6510	3 Jun 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹80.8500	3 Jun 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹224.7300	3 Jun 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹31.2807	3 Jun 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹66.6106	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹45.0288
2 Jun 2026	₹45.0754
1 Jun 2026	₹44.9608
29 May 2026	₹45.5417
27 May 2026	₹45.9776
26 May 2026	₹45.8553
25 May 2026	₹45.8342
22 May 2026	₹45.3887
21 May 2026	₹45.2228
20 May 2026	₹45.0166

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 Flexi Cap Fund - Direct IDCW is ₹45.0288. It's a Flexi Cap Fund from HSBC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Flexi Cap Fund - Direct IDCW has NAV history starting from 04 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

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

Over the trailing 1-year window, HSBC Flexi Cap Fund - Direct IDCW has delivered a absolute return of -4.90% — -14.34 pp behind the Flexi Cap Fund category average of 9.43%. The fund ranks #68 of 88 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Flexi Cap Fund - Direct IDCW has delivered a CAGR of 11.29% — +1.23 pp ahead of the Flexi Cap Fund category average of 10.05%. The fund ranks #35 of 71 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Flexi Cap Fund - Direct IDCW has delivered a CAGR of 8.32% — -0.5 pp behind the Flexi Cap Fund category average of 8.82%. The fund ranks #19 of 34 in its category — the third (Q3) quartile.

₹1 lakh invested in HSBC Flexi Cap Fund - Direct IDCW exactly 10 years ago would be worth approximately ₹185,890 today — a multiplier of 1.86×, based on the 10-year CAGR of 6.40%. The category average over the same window would have grown ₹1 lakh to ₹234,455.

A ₹10,000 monthly SIP in HSBC Flexi Cap Fund - Direct IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹705,303 today. That's an XIRR (money-weighted annualised return) of 6.40%.

A ₹10,000 monthly SIP for 10 years in HSBC Flexi Cap Fund - Direct IDCW = ₹1,200,000 invested. It would currently be worth ₹1,737,515 (multiplier 1.45×). XIRR: 7.19%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Flexi Cap Fund - Direct IDCW ranks #19 out of 34 funds in the Flexi Cap Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.82%; this fund delivered 8.32%.

The worst peak-to-trough decline HSBC Flexi Cap Fund - Direct IDCW has experienced over the last 5-year window is 29.61% — its NAV fell from a high on 17 Jan 2022 to a low on 20 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, HSBC Flexi Cap Fund - Direct IDCW averaged 6.88% (best 18.62%, worst -8.24%). 87% of rolling windows ended positive. The 5-year Sharpe ratio is 0.19 — weak risk-adjusted performance.

In calendar year 2025, HSBC Flexi Cap Fund - Direct IDCW returned -7.30% — lagging the Flexi Cap Fund category average of 1.97% by 9.27 pp. It ranked #42 of 43 in its category that year.

HSBC Flexi Cap Fund - Direct 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 Flexi Cap Fund - Direct 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. Worst 5-year drawdown: 29.6%. 5-year CAGR: 8.32%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.