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

We don't give personal investment advice. HSBC Flexi Debt Fund-Regular. 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: 4.74%.

HSBC

HSBC Flexi Debt Fund-Regular. 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%	-14.54%	+14.51	207 / 373	Q3
1W	+0.17%	-15.89%	+16.06	49 / 369	Q1
2W	+0.29%	-15.78%	+16.07	48 / 371	Q1
1M	+0.92%	-16.05%	+16.97	37 / 373	Q1
3M	+0.66%	-17.27%	+17.93	116 / 366	Q2
6M	+2.32%	-30.18%	+32.49	117 / 393	Q2
YTD	+0.70%	-32.85%	+33.55	133 / 414	Q2
1Y	+0.46%	-15.79%	+16.25	141 / 309	Q2
2Y	+1.18%	-13.41%	+14.59	66 / 142	Q2
3Y	+3.42%	-6.89%	+10.31	32 / 95	Q2
4Y	+5.46%	+2.81%	+2.65	26 / 84	Q2
5Y	+4.74%	+2.94%	+1.81	26 / 76	Q2
7Y	+5.34%	+2.77%	+2.57	21 / 67	Q2
10Y	+3.70%	+2.81%	+0.89	13 / 38	Q2
Inception	+3.70%	-35.69%	+39.39	107 / 497	Q1

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	+0.70%	+0.83%	-0.14	4 / 12
2021	+1.16%	+4.64%	-3.48	17 / 19
2020	+8.58%	+1.41%	+7.17	2 / 19
2019	+9.89%	-4.98%	+14.87	1 / 21
2018	+4.54%	+2.69%	+1.85	9 / 23
2017	+0.64%	+2.12%	-1.49	20 / 30
2016	+11.12%	+3.89%	+7.23	7 / 45
2015	-0.76%	+2.84%	-3.61	62 / 66
2014	+5.33%	+4.08%	+1.26	31 / 76
2013	-3.86%	+2.34%	-6.20	73 / 76
2012	+2.21%	+3.72%	-1.51	36 / 78

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

+3.64%

167 windows

min -5.5% · max 14.5%

78% positive

3-Year rolling

+3.63%

142 windows

min -0.4% · max 7.9%

97% positive

5-Year rolling

+3.45%

118 windows

min 0.3% · max 7.1%

100% positive

7-Year rolling

+3.42%

94 windows

min 0.2% · max 5.7%

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

3.17%

3-year · annualised

Sharpe ratio

-0.97

vs risk-free 6.5%

Sortino ratio

-1.70

Downside-only deviation

Max drawdown

-3.03%

Mar 2020 → Mar 2020

% positive months

66.7%

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	₹17.0006
24 Nov 2022	₹17.0052
23 Nov 2022	₹16.9836
22 Nov 2022	₹16.9821
21 Nov 2022	₹16.9704
18 Nov 2022	₹16.9725
17 Nov 2022	₹16.9824
16 Nov 2022	₹16.9714
15 Nov 2022	₹16.9714
14 Nov 2022	₹16.9559

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-Regular. Quarterly Dividend is a Income from HSBC (Regular 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-Regular. Quarterly Dividend has NAV history starting from 10 Apr 2008, a track record of about 18 years 2 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-Regular. 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-Regular. Quarterly Dividend has delivered a absolute return of 0.46% — +16.25 pp ahead of the Income category average of -15.79%. The fund ranks #141 of 309 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC Flexi Debt Fund-Regular. Quarterly Dividend has delivered a CAGR of 3.42% — +10.31 pp ahead of the Income category average of -6.89%. The fund ranks #32 of 95 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Flexi Debt Fund-Regular. Quarterly Dividend has delivered a CAGR of 4.74% — +1.81 pp ahead of the Income category average of 2.94%. The fund ranks #26 of 76 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Flexi Debt Fund-Regular. Quarterly Dividend exactly 10 years ago would be worth approximately ₹143,814 today — a multiplier of 1.44×, based on the 10-year CAGR of 3.70%. The category average over the same window would have grown ₹1 lakh to ₹131,897.

A ₹10,000 monthly SIP in HSBC Flexi Debt Fund-Regular. Quarterly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹665,511 today. That's an XIRR (money-weighted annualised return) of 4.09%.

A ₹10,000 monthly SIP for 10 years in HSBC Flexi Debt Fund-Regular. Quarterly Dividend = ₹1,200,000 invested. It would currently be worth ₹1,504,855 (multiplier 1.25×). XIRR: 4.43%. 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-Regular. Quarterly Dividend ranks #26 out of 76 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 2.94%; this fund delivered 4.74%.

The worst peak-to-trough decline HSBC Flexi Debt Fund-Regular. 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-Regular. Quarterly Dividend averaged 3.45% (best 7.09%, worst 0.33%). 100% 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-Regular. Quarterly Dividend returned 1.16% — lagging the Income category average of 4.64% by 3.48 pp. It ranked #17 of 19 in its category that year.

HSBC Flexi Debt Fund-Regular. 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-Regular. 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: 4.74%.

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