Should I invest in HSBC Flexi Debt Fund-Reg.Monthly Dividend?

We don't give personal investment advice. HSBC Flexi Debt Fund-Reg.Monthly 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: 4.35%.

HSBC

HSBC Flexi Debt Fund-Reg.Monthly 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	746 / 1129	Q3
1W	-0.57%	-13.04%	+12.47	518 / 1151	Q2
2W	-0.45%	-13.18%	+12.73	482 / 1149	Q2
1M	-0.25%	-13.26%	+13.01	460 / 1137	Q2
3M	-0.50%	-13.15%	+12.64	730 / 1116	Q3
6M	+0.42%	-15.45%	+15.87	416 / 906	Q2
YTD	-1.17%	-15.77%	+14.61	601 / 952	Q3
1Y	-1.40%	-13.09%	+11.68	599 / 820	Q3
2Y	+0.24%	-12.72%	+12.96	248 / 446	Q3
3Y	+2.78%	-11.01%	+13.79	145 / 385	Q2
4Y	+4.96%	-6.52%	+11.48	105 / 339	Q2
5Y	+4.35%	-7.36%	+11.72	105 / 314	Q2
7Y	+5.06%	+2.53%	+2.53	87 / 234	Q2
10Y	+5.23%	+3.14%	+2.09	37 / 101	Q2
Inception	+3.68%	-13.63%	+17.31	342 / 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	-1.17%	-0.28%	-0.89	10 / 14
2021	+1.17%	+5.14%	-3.98	33 / 42
2020	+8.58%	+5.20%	+3.38	9 / 45
2019	+9.89%	-4.85%	+14.74	5 / 56
2018	+4.54%	+1.30%	+3.24	14 / 90
2017	+0.64%	+1.63%	-0.99	66 / 137
2016	+11.12%	+3.02%	+8.10	13 / 181
2015	+5.68%	+2.22%	+3.46	75 / 216
2014	+13.55%	+5.51%	+8.04	27 / 240
2013	-1.81%	-1.95%	+0.14	226 / 276
2012	+0.69%	+1.38%	-0.69	188 / 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

+4.02%

173 windows

min -6.3% · max 15.0%

78% positive

3-Year rolling

+4.34%

148 windows

min -1.7% · max 11.1%

89% positive

5-Year rolling

+4.46%

124 windows

min -1.2% · max 7.8%

95% positive

7-Year rolling

+4.81%

100 windows

min 1.3% · max 7.8%

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

3.24%

3-year · annualised

Sharpe ratio

-1.14

vs risk-free 6.5%

Sortino ratio

-1.92

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	₹17.2942
24 Nov 2022	₹17.2989
23 Nov 2022	₹17.2769
22 Nov 2022	₹17.2754
21 Nov 2022	₹17.3914
18 Nov 2022	₹17.3935
17 Nov 2022	₹17.4036
16 Nov 2022	₹17.3924
15 Nov 2022	₹17.3924
14 Nov 2022	₹17.3765

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-Reg.Monthly 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-Reg.Monthly 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-Reg.Monthly 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-Reg.Monthly Dividend has delivered a absolute return of -1.40% — +11.68 pp ahead of the Income category average of -13.09%. The fund ranks #599 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC Flexi Debt Fund-Reg.Monthly Dividend has delivered a CAGR of 2.78% — +13.79 pp ahead of the Income category average of -11.01%. The fund ranks #145 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Flexi Debt Fund-Reg.Monthly Dividend has delivered a CAGR of 4.35% — +11.72 pp ahead of the Income category average of -7.36%. The fund ranks #105 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Flexi Debt Fund-Reg.Monthly Dividend exactly 10 years ago would be worth approximately ₹166,529 today — a multiplier of 1.67×, based on the 10-year CAGR of 5.23%. 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-Reg.Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹653,334 today. That's an XIRR (money-weighted annualised return) of 3.36%.

A ₹10,000 monthly SIP for 10 years in HSBC Flexi Debt Fund-Reg.Monthly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,538,144 (multiplier 1.28×). XIRR: 4.85%. 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-Reg.Monthly Dividend ranks #105 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 4.35%.

The worst peak-to-trough decline HSBC Flexi Debt Fund-Reg.Monthly 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-Reg.Monthly Dividend averaged 4.46% (best 7.83%, worst -1.23%). 95% of rolling windows ended positive. The 5-year Sharpe ratio is -0.68 — negative risk-adjusted performance.

In calendar year 2021, HSBC Flexi Debt Fund-Reg.Monthly Dividend returned 1.17% — lagging the Income category average of 5.14% by 3.98 pp. It ranked #33 of 42 in its category that year.

HSBC Flexi Debt Fund-Reg.Monthly 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-Reg.Monthly 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: 4.35%.

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