Should I invest in HSBC Floating Rate Fund - Long Term - Inst.?

We don't give personal investment advice. HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 6.2%. 5-year CAGR: 2.45%.

HSBC

HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly

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	+0.02%	-8.69%	+8.70	6 / 23	Q2
1W	+0.11%	-8.62%	+8.73	10 / 23	Q2
2W	+0.22%	-8.56%	+8.78	6 / 23	Q2
1M	+0.21%	-8.48%	+8.68	13 / 23	Q3
3M	+1.43%	-7.99%	+9.42	8 / 23	Q2
6M	+1.17%	-7.23%	+8.40	12 / 23	Q3
YTD	+0.45%	-14.84%	+15.29	11 / 25	Q2
1Y	+5.07%	-17.92%	+22.99	8 / 24	Q2
2Y	+5.29%	-17.12%	+22.40	9 / 25	Q2
3Y	+4.14%	-29.96%	+34.10	10 / 31	Q2
4Y	+3.44%	-22.63%	+26.07	10 / 28	Q2
5Y	+2.45%	-18.05%	+20.50	10 / 24	Q2
7Y	+2.10%	+3.72%	-1.62	9 / 16	Q3
10Y	+1.44%	+3.75%	-2.31	6 / 10	Q3
Inception	+1.46%	-27.72%	+29.18	10 / 30	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
2016 YTD	+0.45%	+2.87%	-2.42	7 / 12
2015	+8.08%	+3.98%	+4.11	3 / 14
2014	+1.34%	+3.53%	-2.19	9 / 18
2013	+4.68%	+3.32%	+1.37	8 / 20
2012	-0.01%	+3.06%	-3.07	15 / 18
2011	+5.11%	-5.64%	+10.75	9 / 21
2010	+1.39%	-19.63%	+21.02	11 / 23
2009	+0.25%	-7.48%	+7.73	11 / 21
2008	+0.86%	-0.77%	+1.62	11 / 20
2007	-0.20%	-7.74%	+7.55	15 / 19
2006	—	—	—	—

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

+1.50%

112 windows

min -5.6% · max 8.5%

69% positive

3-Year rolling

+1.14%

88 windows

min -0.4% · max 4.7%

89% positive

5-Year rolling

+1.04%

63 windows

min 0.1% · max 2.5%

100% positive

7-Year rolling

+1.12%

39 windows

min 0.2% · max 2.1%

100% 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

2.12%

3-year · annualised

Sharpe ratio

-1.14

vs risk-free 6.5%

Sortino ratio

-1.67

Downside-only deviation

Max drawdown

-2.10%

Aug 2014 → Sep 2014

% positive months

80.6%

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
24 May 2016	₹11.6947
23 May 2016	₹11.6928
20 May 2016	₹11.6872
19 May 2016	₹11.6852
18 May 2016	₹11.6833
17 May 2016	₹11.6817
16 May 2016	₹11.6801
13 May 2016	₹11.6742
12 May 2016	₹11.6724
11 May 2016	₹11.6705

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 Floating Rate Fund - Long Term - Inst. - Dividend - Monthly is a Floating Rate 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 Floating Rate Fund - Long Term - Inst. - Dividend - Monthly has NAV history starting from 03 Apr 2006, a track record of about 20 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 Floating Rate Fund - Long Term - Inst. - Dividend - Monthly is managed by HSBC. It's classified by AMFI under the 'Floating Rate' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly has delivered a absolute return of 5.07% — +22.99 pp ahead of the Floating Rate category average of -17.92%. The fund ranks #8 of 24 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly has delivered a CAGR of 4.14% — +34.1 pp ahead of the Floating Rate category average of -29.96%. The fund ranks #10 of 31 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly has delivered a CAGR of 2.45% — +20.5 pp ahead of the Floating Rate category average of -18.05%. The fund ranks #10 of 24 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly exactly 10 years ago would be worth approximately ₹115,329 today — a multiplier of 1.15×, based on the 10-year CAGR of 1.44%. The category average over the same window would have grown ₹1 lakh to ₹144,511.

A ₹10,000 monthly SIP in HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly over the last 5 years — total invested ₹600,000 — would be worth ₹658,006 today. That's an XIRR (money-weighted annualised return) of 3.64%.

A ₹10,000 monthly SIP for 10 years in HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly = ₹1,200,000 invested. It would currently be worth ₹1,349,536 (multiplier 1.12×). XIRR: 2.31%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly ranks #10 out of 24 funds in the Floating Rate category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -18.05%; this fund delivered 2.45%.

The worst peak-to-trough decline HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly has experienced over the last 5-year window is 6.19% — its NAV fell from a high on 30 Dec 2011 to a low on 25 Feb 2013. 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 Floating Rate Fund - Long Term - Inst. - Dividend - Monthly averaged 1.04% (best 2.52%, worst 0.10%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.28 — negative risk-adjusted performance.

In calendar year 2015, HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly returned 8.08% — beating the Floating Rate category average of 3.98% by 4.11 pp. It ranked #3 of 14 in its category that year.

HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Monthly is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 6.2%. 5-year CAGR: 2.45%.

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