Should I invest in HSBC Flexi Debt Fund - Inst. - Half Yearly Dividend?

We don't give personal investment advice. HSBC Flexi Debt Fund - Inst. - Half Yearly 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. Worst 5-year drawdown: 12.2%. 5-year CAGR: -1.04%.

HSBC

HSBC Flexi Debt Fund - Inst. - Half Yearly Dividend

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	-0.03%	-9.99%	+9.96	747 / 1129	Q3
1W	+0.17%	-13.04%	+13.20	154 / 1151	Q1
2W	+0.29%	-13.18%	+13.47	150 / 1149	Q1
1M	+0.93%	-13.26%	+14.20	93 / 1137	Q1
3M	-2.86%	-13.15%	+10.28	840 / 1116	Q4
6M	-1.21%	-15.45%	+14.25	581 / 906	Q3
YTD	-5.59%	-15.77%	+10.18	733 / 952	Q4
1Y	-5.80%	-13.09%	+7.29	657 / 820	Q4
2Y	-4.76%	-12.72%	+7.96	366 / 446	Q4
3Y	-2.65%	-11.01%	+8.36	319 / 385	Q4
4Y	-0.96%	-6.52%	+5.56	282 / 339	Q4
5Y	-1.04%	-7.36%	+6.33	267 / 314	Q4
7Y	-1.15%	+2.53%	-3.68	228 / 234	Q4
10Y	+0.42%	+3.14%	-2.72	76 / 101	Q4
Inception	+0.69%	-13.63%	+14.32	432 / 1199	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
2022 YTD	-5.59%	-0.28%	-5.31	14 / 14
2021	-4.41%	+5.14%	-9.56	42 / 42
2020	+2.19%	+5.20%	-3.01	37 / 45
2019	+2.51%	-4.85%	+7.36	13 / 56
2018	+1.18%	+1.30%	-0.12	44 / 90
2017	-7.20%	+1.63%	-8.83	137 / 137
2016	+2.54%	+3.02%	-0.48	78 / 181
2015	-2.47%	+2.22%	-4.69	207 / 216
2014	+13.84%	+5.51%	+8.33	25 / 240
2013	+0.46%	-1.95%	+2.42	133 / 276
2012	—	—	—	—

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

+0.76%

116 windows

min -8.7% · max 15.3%

56% positive

3-Year rolling

+0.90%

98 windows

min -3.3% · max 5.8%

59% positive

5-Year rolling

+0.59%

74 windows

min -1.6% · max 3.6%

61% positive

7-Year rolling

+0.81%

50 windows

min -1.4% · max 2.5%

72% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

4.55%

3-year · annualised

Sharpe ratio

-1.99

vs risk-free 6.5%

Sortino ratio

-2.24

Downside-only deviation

Max drawdown

-12.15%

Mar 2020 → Oct 2022

% positive months

55.6%

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
25 Nov 2022	₹10.9865
24 Nov 2022	₹10.9895
23 Nov 2022	₹10.9756
22 Nov 2022	₹10.9746
21 Nov 2022	₹10.9670
18 Nov 2022	₹10.9683
17 Nov 2022	₹10.9747
16 Nov 2022	₹10.9676
15 Nov 2022	₹10.9676
14 Nov 2022	₹10.9576

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 Flexi Debt Fund - Inst. - Half Yearly Dividend 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 Flexi Debt Fund - Inst. - Half Yearly Dividend has NAV history starting from 23 Dec 2008, a track record of about 17 years 5 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 Debt Fund - Inst. - Half Yearly 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 Flexi Debt Fund - Inst. - Half Yearly Dividend has delivered a absolute return of -5.80% — +7.29 pp ahead of the Income category average of -13.09%. The fund ranks #657 of 820 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Flexi Debt Fund - Inst. - Half Yearly Dividend has delivered a CAGR of -2.65% — +8.36 pp ahead of the Income category average of -11.01%. The fund ranks #319 of 385 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HSBC Flexi Debt Fund - Inst. - Half Yearly Dividend has delivered a CAGR of -1.04% — +6.33 pp ahead of the Income category average of -7.36%. The fund ranks #267 of 314 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HSBC Flexi Debt Fund - Inst. - Half Yearly Dividend exactly 10 years ago would be worth approximately ₹104,241 today — a multiplier of 1.04×, based on the 10-year CAGR of 0.42%. The category average over the same window would have grown ₹1 lakh to ₹136,244.

A ₹10,000 monthly SIP in HSBC Flexi Debt Fund - Inst. - Half Yearly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹564,990 today. That's an XIRR (money-weighted annualised return) of -2.36%.

A ₹10,000 monthly SIP for 10 years in HSBC Flexi Debt Fund - Inst. - Half Yearly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,132,701 (multiplier 0.94×). XIRR: -1.15%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Flexi Debt Fund - Inst. - Half Yearly Dividend ranks #267 out of 314 funds in the Income category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is -7.36%; this fund delivered -1.04%.

The worst peak-to-trough decline HSBC Flexi Debt Fund - Inst. - Half Yearly Dividend has experienced over the last 5-year window is 12.15% — its NAV fell from a high on 09 Mar 2020 to a low on 10 Oct 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 Debt Fund - Inst. - Half Yearly Dividend averaged 0.59% (best 3.58%, worst -1.63%). 61% of rolling windows ended positive. The 5-year Sharpe ratio is -1.50 — negative risk-adjusted performance.

In calendar year 2021, HSBC Flexi Debt Fund - Inst. - Half Yearly Dividend returned -4.41% — lagging the Income category average of 5.14% by 9.56 pp. It ranked #42 of 42 in its category that year.

HSBC Flexi Debt Fund - Inst. - Half Yearly 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 Flexi Debt Fund - Inst. - Half Yearly 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. Worst 5-year drawdown: 12.2%. 5-year CAGR: -1.04%.

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