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

We don't give personal investment advice. HSBC Flexi Debt Fund-Inst. Fortnightly 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: 4.9%. 5-year CAGR: 0.21%.

HSBC

HSBC Flexi Debt Fund-Inst. Fortnightly 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	748 / 1129	Q3
1W	+0.17%	-13.04%	+13.21	153 / 1151	Q1
2W	+0.07%	-13.18%	+13.25	313 / 1149	Q2
1M	+0.71%	-13.26%	+13.97	116 / 1137	Q1
3M	+0.49%	-13.15%	+13.64	347 / 1116	Q2
6M	+2.21%	-15.45%	+17.66	331 / 906	Q2
YTD	+0.69%	-15.77%	+16.47	361 / 952	Q2
1Y	+0.17%	-13.09%	+13.25	422 / 820	Q3
2Y	+0.01%	-12.72%	+12.73	281 / 446	Q3
3Y	-0.07%	-11.01%	+10.94	277 / 385	Q3
4Y	-0.01%	-6.52%	+6.50	246 / 339	Q3
5Y	+0.21%	-7.36%	+7.58	193 / 314	Q3
7Y	-0.20%	+2.53%	-2.73	213 / 234	Q4
10Y	+0.54%	+3.14%	-2.60	72 / 101	Q3
Inception	—	—	—	—	—

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	+0.69%	-0.28%	+0.97	6 / 14
2021	-0.62%	+5.14%	-5.77	40 / 42
2020	+0.26%	+5.20%	-4.94	44 / 45
2019	-0.09%	-4.85%	+4.76	23 / 56
2018	+1.61%	+1.30%	+0.31	33 / 90
2017	-2.92%	+1.63%	-4.54	127 / 137
2016	-1.32%	+3.02%	-4.34	172 / 181
2015	-3.44%	+2.22%	-5.67	209 / 216
2014	+12.07%	+5.51%	+6.56	34 / 240
2013	-1.92%	-1.95%	+0.03	227 / 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

+0.37%

160 windows

min -4.6% · max 11.7%

43% positive

3-Year rolling

+0.35%

135 windows

min -2.6% · max 3.7%

56% positive

5-Year rolling

+0.45%

118 windows

min -1.5% · max 2.1%

64% positive

7-Year rolling

+0.60%

94 windows

min -0.8% · max 1.6%

85% 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

2.76%

3-year · annualised

Sharpe ratio

-2.36

vs risk-free 6.5%

Sortino ratio

-3.28

Downside-only deviation

Max drawdown

-4.24%

Feb 2020 → May 2022

% positive months

50.0%

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.

Recent NAVs

Date	NAV
25 Nov 2022	₹10.6221
24 Nov 2022	₹10.6250
23 Nov 2022	₹10.6115
22 Nov 2022	₹10.6105
21 Nov 2022	₹10.6032
18 Nov 2022	₹10.6045
17 Nov 2022	₹10.6107
16 Nov 2022	₹10.6038
15 Nov 2022	₹10.6038
14 Nov 2022	₹10.6178

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. Fortnightly 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. Fortnightly Dividend has NAV history starting from 08 Oct 2007, a track record of about 18 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. Fortnightly 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. Fortnightly Dividend has delivered a absolute return of 0.17% — +13.25 pp ahead of the Income category average of -13.09%. The fund ranks #422 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC Flexi Debt Fund-Inst. Fortnightly Dividend has delivered a CAGR of -0.07% — +10.94 pp ahead of the Income category average of -11.01%. The fund ranks #277 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HSBC Flexi Debt Fund-Inst. Fortnightly Dividend has delivered a CAGR of 0.21% — +7.58 pp ahead of the Income category average of -7.36%. The fund ranks #193 of 314 in its category — the third (Q3) quartile.

₹1 lakh invested in HSBC Flexi Debt Fund-Inst. Fortnightly Dividend exactly 10 years ago would be worth approximately ₹105,512 today — a multiplier of 1.06×, based on the 10-year CAGR of 0.54%. 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. Fortnightly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹604,414 today. That's an XIRR (money-weighted annualised return) of 0.29%.

A ₹10,000 monthly SIP for 10 years in HSBC Flexi Debt Fund-Inst. Fortnightly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,210,520 (multiplier 1.01×). XIRR: 0.17%. 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. Fortnightly Dividend ranks #193 out of 314 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 -7.36%; this fund delivered 0.21%.

The worst peak-to-trough decline HSBC Flexi Debt Fund-Inst. Fortnightly Dividend has experienced over the last 5-year window is 4.90% — its NAV fell from a high on 15 Jul 2019 to a low on 06 May 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. Fortnightly Dividend averaged 0.45% (best 2.06%, worst -1.49%). 64% of rolling windows ended positive. The 5-year Sharpe ratio is -2.22 — negative risk-adjusted performance.

In calendar year 2021, HSBC Flexi Debt Fund-Inst. Fortnightly Dividend returned -0.62% — lagging the Income category average of 5.14% by 5.77 pp. It ranked #40 of 42 in its category that year.

HSBC Flexi Debt Fund-Inst. Fortnightly 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. Fortnightly 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: 4.9%. 5-year CAGR: 0.21%.

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