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

We don't give personal investment advice. HSBC Floating Rate Fund - Long Term - Regular - Growth 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: 0.2%. 5-year CAGR: 8.04%.

HSBC

HSBC Floating Rate Fund - Long Term - Regular - Growth

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	+0.01%	+0.02%	0.00	5 / 7	Q3
1W	+0.10%	+0.04%	+0.06	3 / 7	Q2
2W	+0.20%	+0.10%	+0.10	3 / 7	Q2
1M	+0.42%	+0.14%	+0.28	2 / 7	Q2
3M	+1.55%	+0.05%	+1.50	2 / 7	Q2
6M	+3.09%	+0.70%	+2.39	2 / 7	Q2
YTD	+2.42%	+0.68%	+1.74	2 / 7	Q2
1Y	+6.77%	+1.61%	+5.17	1 / 7	Q1
2Y	+7.38%	+1.63%	+5.75	1 / 7	Q1
3Y	+7.82%	+1.77%	+6.05	1 / 7	Q1
4Y	+7.82%	+1.90%	+5.92	1 / 7	Q1
5Y	+8.04%	+2.33%	+5.71	1 / 6	Q1
7Y	+7.22%	+2.40%	+4.81	1 / 3	Q2
10Y	+7.51%	+3.72%	+3.79	1 / 2	Q2
Inception	+7.48%	+1.92%	+5.56	1 / 7	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
2016 YTD	+2.42%	+0.91%	+1.51	1 / 3
2015	+7.50%	+2.48%	+5.02	1 / 3
2014	+8.13%	+2.68%	+5.45	1 / 3
2013	+8.23%	+1.51%	+6.71	1 / 4
2012	+8.64%	+2.49%	+6.14	1 / 4
2011	+8.28%	+1.90%	+6.39	1 / 7
2010	+4.74%	+1.37%	+3.37	1 / 7
2009	+5.35%	+1.32%	+4.03	1 / 6
2008	+9.02%	+3.54%	+5.48	1 / 5
2007	+8.75%	+3.36%	+5.38	1 / 5
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

+7.63%

112 windows

min 4.0% · max 9.1%

100% positive

3-Year rolling

+7.48%

88 windows

min 6.1% · max 8.5%

100% positive

5-Year rolling

+7.42%

63 windows

min 6.9% · max 8.2%

100% positive

7-Year rolling

+7.44%

39 windows

min 7.2% · max 7.6%

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

0.43%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.21%

Jul 2013 → Jul 2013

% positive months

100.0%

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
24 May 2016	₹22.3654
23 May 2016	₹22.3621
20 May 2016	₹22.3523
19 May 2016	₹22.3489
18 May 2016	₹22.3456
17 May 2016	₹22.3430
16 May 2016	₹22.3401
13 May 2016	₹22.3299
12 May 2016	₹22.3268
11 May 2016	₹22.3235

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 - Regular - Growth is a Floating Rate 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 Floating Rate Fund - Long Term - Regular - Growth 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 - Regular - Growth 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 - Regular - Growth has delivered a absolute return of 6.77% — +5.17 pp ahead of the Floating Rate category average of 1.61%. The fund ranks #1 of 7 in its category — the top (Q1) quartile.

Over the trailing 3-year window, HSBC Floating Rate Fund - Long Term - Regular - Growth has delivered a CAGR of 7.82% — +6.05 pp ahead of the Floating Rate category average of 1.77%. The fund ranks #1 of 7 in its category — the top (Q1) quartile.

Over the trailing 5-year window, HSBC Floating Rate Fund - Long Term - Regular - Growth has delivered a CAGR of 8.04% — +5.71 pp ahead of the Floating Rate category average of 2.33%. The fund ranks #1 of 6 in its category — the top (Q1) quartile.

₹1 lakh invested in HSBC Floating Rate Fund - Long Term - Regular - Growth exactly 10 years ago would be worth approximately ₹206,228 today — a multiplier of 2.06×, based on the 10-year CAGR of 7.51%. The category average over the same window would have grown ₹1 lakh to ₹144,108.

A ₹10,000 monthly SIP in HSBC Floating Rate Fund - Long Term - Regular - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹729,606 today. That's an XIRR (money-weighted annualised return) of 7.75%.

A ₹10,000 monthly SIP for 10 years in HSBC Floating Rate Fund - Long Term - Regular - Growth = ₹1,200,000 invested. It would currently be worth ₹1,771,736 (multiplier 1.48×). XIRR: 7.56%. 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 - Regular - Growth ranks #1 out of 6 funds in the Floating Rate category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.33%; this fund delivered 8.04%.

The worst peak-to-trough decline HSBC Floating Rate Fund - Long Term - Regular - Growth has experienced over the last 5-year window is 0.21% — its NAV fell from a high on 15 Jul 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 - Regular - Growth averaged 7.42% (best 8.20%, worst 6.93%). 100% of rolling windows ended positive.

In calendar year 2015, HSBC Floating Rate Fund - Long Term - Regular - Growth returned 7.50% — beating the Floating Rate category average of 2.48% by 5.02 pp. It ranked #1 of 3 in its category that year.

HSBC Floating Rate Fund - Long Term - Regular - Growth 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 - Regular - Growth 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: 0.2%. 5-year CAGR: 8.04%.

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

HSBC Floating Rate Fund - Long Term - Regular - Growth

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

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