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 - Weekly 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: 0.4%. 5-year CAGR: 0.03%.

HSBC

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

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	4 / 23	Q1
1W	0.00%	-8.62%	+8.62	20 / 23	Q4
2W	0.00%	-8.56%	+8.56	20 / 23	Q4
1M	+0.03%	-8.48%	+8.50	17 / 23	Q3
3M	-0.02%	-7.99%	+7.97	18 / 23	Q4
6M	-0.01%	-7.23%	+7.22	19 / 23	Q4
YTD	+0.02%	-14.84%	+14.86	16 / 25	Q3
1Y	-0.06%	-17.92%	+17.85	18 / 24	Q3
2Y	+0.01%	-17.12%	+17.13	17 / 25	Q3
3Y	+0.03%	-29.96%	+29.99	16 / 31	Q3
4Y	+0.02%	-22.63%	+22.65	15 / 28	Q3
5Y	+0.03%	-18.05%	+18.08	14 / 24	Q3
7Y	+0.03%	+3.72%	-3.69	12 / 16	Q3
10Y	+1.17%	+3.75%	-2.58	7 / 10	Q3
Inception	+1.15%	-27.72%	+28.87	12 / 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	+0.02%	+2.87%	-2.85	8 / 12
2015	+0.07%	+3.98%	-3.91	12 / 14
2014	-0.04%	+3.53%	-3.57	18 / 18
2013	+0.04%	+3.32%	-3.27	13 / 20
2012	-0.01%	+3.06%	-3.07	14 / 18
2011	+0.03%	-5.64%	+5.67	14 / 21
2010	+0.05%	-19.63%	+19.68	14 / 23
2009	-0.08%	-7.48%	+7.40	19 / 21
2008	+0.08%	-0.77%	+0.84	15 / 20
2007	+8.31%	-7.74%	+16.05	5 / 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

+1.08%

112 windows

min -2.2% · max 8.9%

76% positive

3-Year rolling

+0.57%

88 windows

min 0.0% · max 3.9%

86% positive

5-Year rolling

+0.46%

63 windows

min 0.0% · max 2.3%

95% positive

7-Year rolling

+0.54%

39 windows

min 0.0% · max 1.7%

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

0.32%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.37%

May 2013 → Jul 2013

% positive months

55.6%

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	₹11.2614
23 May 2016	₹11.2595
20 May 2016	₹11.2541
19 May 2016	₹11.2522
18 May 2016	₹11.2504
17 May 2016	₹11.2615
16 May 2016	₹11.2599
13 May 2016	₹11.2542
12 May 2016	₹11.2525
11 May 2016	₹11.2507

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 - Weekly 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 - Weekly 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 - Weekly 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 - Weekly has delivered a absolute return of -0.06% — +17.85 pp ahead of the Floating Rate category average of -17.92%. The fund ranks #18 of 24 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Weekly has delivered a CAGR of 0.03% — +29.99 pp ahead of the Floating Rate category average of -29.96%. The fund ranks #16 of 31 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Weekly has delivered a CAGR of 0.03% — +18.08 pp ahead of the Floating Rate category average of -18.05%. The fund ranks #14 of 24 in its category — the third (Q3) quartile.

₹1 lakh invested in HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Weekly exactly 10 years ago would be worth approximately ₹112,301 today — a multiplier of 1.12×, based on the 10-year CAGR of 1.17%. 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 - Weekly over the last 5 years — total invested ₹600,000 — would be worth ₹600,715 today. That's an XIRR (money-weighted annualised return) of 0.05%.

A ₹10,000 monthly SIP for 10 years in HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Weekly = ₹1,200,000 invested. It would currently be worth ₹1,214,880 (multiplier 1.01×). XIRR: 0.24%. 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 - Weekly ranks #14 out of 24 funds in the Floating Rate category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is -18.05%; this fund delivered 0.03%.

The worst peak-to-trough decline HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Weekly has experienced over the last 5-year window is 0.44% — its NAV fell from a high on 05 Apr 2013 to a low on 16 Jul 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 - Weekly averaged 0.46% (best 2.34%, worst -0.02%). 95% of rolling windows ended positive.

In calendar year 2015, HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Weekly returned 0.07% — lagging the Floating Rate category average of 3.98% by 3.91 pp. It ranked #12 of 14 in its category that year.

HSBC Floating Rate Fund - Long Term - Inst. - Dividend - Weekly 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 - Weekly 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: 0.4%. 5-year CAGR: 0.03%.

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