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

We don't give personal investment advice. HSBC Flexi Debt Fund - Inst. - Quarterly 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: 3.0%. 5-year CAGR: 4.71%.

HSBC

HSBC Flexi Debt Fund - Inst. - Quarterly 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	745 / 1129	Q3
1W	+0.17%	-13.04%	+13.21	151 / 1151	Q1
2W	+0.29%	-13.18%	+13.47	148 / 1149	Q1
1M	+0.93%	-13.26%	+14.20	94 / 1137	Q1
3M	-0.68%	-13.15%	+12.47	741 / 1116	Q3
6M	+1.02%	-15.45%	+16.47	400 / 906	Q2
YTD	-0.48%	-15.77%	+15.29	524 / 952	Q3
1Y	-0.70%	-13.09%	+12.39	557 / 820	Q3
2Y	+0.72%	-12.72%	+13.44	229 / 446	Q3
3Y	+3.19%	-11.01%	+14.20	136 / 385	Q2
4Y	+5.35%	-6.52%	+11.86	101 / 339	Q2
5Y	+4.71%	-7.36%	+12.07	101 / 314	Q2
7Y	+2.92%	+2.53%	+0.39	104 / 234	Q2
10Y	+2.09%	+3.14%	-1.05	47 / 101	Q2
Inception	+2.62%	-13.63%	+16.25	352 / 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	-0.48%	-0.28%	-0.20	9 / 14
2021	+1.42%	+5.14%	-3.73	31 / 42
2020	+8.85%	+5.20%	+3.64	6 / 45
2019	+10.16%	-4.85%	+15.01	3 / 56
2018	+4.80%	+1.30%	+3.50	11 / 90
2017	-4.96%	+1.63%	-6.58	135 / 137
2016	+2.33%	+3.02%	-0.69	81 / 181
2015	-2.64%	+2.22%	-4.86	208 / 216
2014	+5.55%	+5.51%	+0.04	124 / 240
2013	-3.68%	-1.95%	-1.72	251 / 276
2012	+2.47%	+1.38%	+1.09	159 / 295

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

+2.23%

161 windows

min -6.5% · max 13.6%

69% positive

3-Year rolling

+2.31%

136 windows

min -2.7% · max 8.2%

85% positive

5-Year rolling

+1.82%

112 windows

min -1.7% · max 4.7%

91% positive

7-Year rolling

+1.66%

88 windows

min 0.0% · max 3.4%

99% 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

3.25%

3-year · annualised

Sharpe ratio

-1.01

vs risk-free 6.5%

Sortino ratio

-1.77

Downside-only deviation

Max drawdown

-3.03%

Mar 2020 → Mar 2020

% positive months

63.9%

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
25 Nov 2022	₹14.4148
24 Nov 2022	₹14.4187
23 Nov 2022	₹14.4004
22 Nov 2022	₹14.3991
21 Nov 2022	₹14.3892
18 Nov 2022	₹14.3909
17 Nov 2022	₹14.3993
16 Nov 2022	₹14.3900
15 Nov 2022	₹14.3900
14 Nov 2022	₹14.3769

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. - Quarterly 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. - Quarterly Dividend has NAV history starting from 03 Oct 2008, a track record of about 17 years 8 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. - Quarterly 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. - Quarterly Dividend has delivered a absolute return of -0.70% — +12.39 pp ahead of the Income category average of -13.09%. The fund ranks #557 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC Flexi Debt Fund - Inst. - Quarterly Dividend has delivered a CAGR of 3.19% — +14.2 pp ahead of the Income category average of -11.01%. The fund ranks #136 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Flexi Debt Fund - Inst. - Quarterly Dividend has delivered a CAGR of 4.71% — +12.07 pp ahead of the Income category average of -7.36%. The fund ranks #101 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Flexi Debt Fund - Inst. - Quarterly Dividend exactly 10 years ago would be worth approximately ₹122,977 today — a multiplier of 1.23×, based on the 10-year CAGR of 2.09%. 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. - Quarterly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹660,727 today. That's an XIRR (money-weighted annualised return) of 3.80%.

A ₹10,000 monthly SIP for 10 years in HSBC Flexi Debt Fund - Inst. - Quarterly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,397,372 (multiplier 1.16×). XIRR: 2.99%. 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. - Quarterly Dividend ranks #101 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 4.71%.

The worst peak-to-trough decline HSBC Flexi Debt Fund - Inst. - Quarterly Dividend has experienced over the last 5-year window is 3.03% — its NAV fell from a high on 09 Mar 2020 to a low on 19 Mar 2020. 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. - Quarterly Dividend averaged 1.82% (best 4.71%, worst -1.68%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is -0.57 — negative risk-adjusted performance.

In calendar year 2021, HSBC Flexi Debt Fund - Inst. - Quarterly Dividend returned 1.42% — lagging the Income category average of 5.14% by 3.73 pp. It ranked #31 of 42 in its category that year.

HSBC Flexi Debt Fund - Inst. - Quarterly 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. - Quarterly 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: 3.0%. 5-year CAGR: 4.71%.

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