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

We don't give personal investment advice. HSBC Flexi Cap Fund - Regular 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: 30.5%. 5-year CAGR: 4.93%.

HSBC

HSBC Flexi Cap Fund - Regular IDCW

Latest NAV

₹41.5722

As of

24 Jul 2026

4,999 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%	-0.03%	-0.22	64 / 75	Q4
1W	-1.58%	-0.56%	-1.02	57 / 74	Q4
2W	-2.05%	-0.70%	-1.36	60 / 73	Q4
1M	-1.70%	+0.17%	-1.87	60 / 72	Q4
3M	+2.46%	+4.82%	-2.36	42 / 71	Q3
6M	-3.88%	+8.69%	-12.58	64 / 71	Q4
YTD	-9.23%	+3.32%	-12.55	66 / 71	Q4
1Y	-8.10%	+14.62%	-22.72	63 / 65	Q4
2Y	-6.71%	+7.82%	-14.53	60 / 61	Q4
3Y	+4.84%	+10.87%	-6.03	51 / 55	Q4
4Y	+6.15%	+10.98%	-4.84	33 / 35	Q4
5Y	+4.93%	+10.36%	-5.43	29 / 33	Q4
7Y	+9.64%	+12.57%	-2.94	21 / 28	Q3
10Y	+5.70%	+10.08%	-4.38	23 / 28	Q4
Inception	+3.89%	+9.02%	-5.13	62 / 75	Q4

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	-9.23%	-2.59%	-6.64	24 / 27
2025	-8.29%	+2.13%	-10.43	27 / 27
2024	+17.70%	+17.60%	+0.10	11 / 27
2023	+19.79%	+25.30%	-5.51	21 / 27
2022	-4.62%	+0.84%	-5.45	27 / 32
2021	+33.77%	+25.14%	+8.63	10 / 46
2020	+15.78%	+13.07%	+2.71	13 / 50
2019	-2.74%	+4.14%	-6.89	50 / 61
2018	-17.17%	-7.56%	-9.61	34 / 36
2017	+30.61%	+31.98%	-1.37	21 / 36
2016	+5.13%	+1.09%	+4.04	9 / 38

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

+7.13%

236 windows

min -57.0% · max 90.3%

57% positive

3-Year rolling

+6.10%

211 windows

min -16.1% · max 22.1%

76% positive

5-Year rolling

+6.18%

187 windows

min -7.0% · max 19.7%

78% positive

7-Year rolling

+5.78%

163 windows

min -4.5% · max 11.5%

94% 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

18.13%

3-year · annualised

Sharpe ratio

0.00

vs risk-free 6.5%

Sortino ratio

0.00

Downside-only deviation

Max drawdown

-30.55%

Sep 2024 → Mar 2026

% 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.

Peers in Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Flexi Cap Fund - Growth Plan	HDFC	₹2,006.6760	24 Jul 2026
SBI Flexicap Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹47.3403	24 Jul 2026
ICICI Prudential Flexicap Fund - Growth	ICICI Prudential	₹19.8000	24 Jul 2026
Franklin India Flexi Cap Fund - Growth	Franklin Templeton	₹1,575.2811	24 Jul 2026
Kotak Flexicap Fund - Growth	Kotak	₹84.0580	24 Jul 2026
HSBC Flexi Cap Fund - Regular Growth	HSBC	₹222.4477	24 Jul 2026
CANARA ROBECO FLEXICAP FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹335.9000	24 Jul 2026
UTI - Flexi Cap Fund-Growth Option	UTI	₹314.2875	24 Jul 2026
Aditya Birla Sun Life Flexi Cap Fund - Growth - Regular Plan	Birla Sun Life	₹1,905.1400	24 Jul 2026
BANDHAN Flexi Cap Fund - Regular Plan - Growth	IDFC	₹207.8380	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹41.5722
23 Jul 2026	₹41.6761
22 Jul 2026	₹41.9997
21 Jul 2026	₹42.2903
20 Jul 2026	₹42.2932
17 Jul 2026	₹42.2405
16 Jul 2026	₹42.2138
15 Jul 2026	₹42.3964
14 Jul 2026	₹42.1211
13 Jul 2026	₹42.4881

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 24 Jul 2026, the NAV of HSBC Flexi Cap Fund - Regular IDCW is ₹41.5722. It's a Flexi Cap Fund from HSBC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HSBC Flexi Cap Fund - Regular IDCW has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 Flexi Cap Fund - Regular 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 - Regular IDCW has delivered a absolute return of -8.10% — -22.72 pp behind the Flexi Cap Fund category average of 14.62%. The fund ranks #63 of 65 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Flexi Cap Fund - Regular IDCW has delivered a CAGR of 4.84% — -6.03 pp behind the Flexi Cap Fund category average of 10.87%. The fund ranks #51 of 55 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HSBC Flexi Cap Fund - Regular IDCW has delivered a CAGR of 4.93% — -5.43 pp behind the Flexi Cap Fund category average of 10.36%. The fund ranks #29 of 33 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HSBC Flexi Cap Fund - Regular IDCW exactly 10 years ago would be worth approximately ₹174,136 today — a multiplier of 1.74×, based on the 10-year CAGR of 5.70%. The category average over the same window would have grown ₹1 lakh to ₹261,333.

A ₹10,000 monthly SIP in HSBC Flexi Cap Fund - Regular IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹642,179 today. That's an XIRR (money-weighted annualised return) of 2.68%.

A ₹10,000 monthly SIP for 10 years in HSBC Flexi Cap Fund - Regular IDCW = ₹1,200,000 invested. It would currently be worth ₹1,675,019 (multiplier 1.40×). XIRR: 6.49%. 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 - Regular IDCW ranks #29 out of 33 funds in the Flexi Cap Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 10.36%; this fund delivered 4.93%.

The worst peak-to-trough decline HSBC Flexi Cap Fund - Regular IDCW has experienced over the last 5-year window is 30.55% — its NAV fell from a high on 24 Sep 2024 to a low on 31 Mar 2026. 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 - Regular IDCW averaged 6.18% (best 19.70%, worst -6.97%). 78% of rolling windows ended positive. The 5-year Sharpe ratio is -0.01 — negative risk-adjusted performance.

In calendar year 2025, HSBC Flexi Cap Fund - Regular IDCW returned -8.29% — lagging the Flexi Cap Fund category average of 2.13% by 10.43 pp. It ranked #27 of 27 in its category that year.

HSBC Flexi Cap Fund - Regular 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 - Regular 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: 30.5%. 5-year CAGR: 4.93%.

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