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

We don't give personal investment advice. HSBC Floating Rate Fund - Short 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: 3.6%. 5-year CAGR: 5.97%.

HSBC

HSBC Floating Rate Fund - Short 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	+0.04%	+0.02%	+0.02	1 / 7	Q1
1W	+0.14%	+0.04%	+0.10	1 / 7	Q1
2W	+0.31%	+0.10%	+0.20	1 / 7	Q1
1M	+0.60%	+0.14%	+0.46	1 / 7	Q1
3M	+1.66%	+0.05%	+1.61	1 / 7	Q1
6M	+3.21%	+0.70%	+2.51	1 / 7	Q1
YTD	+4.19%	+0.68%	+3.51	1 / 7	Q1
1Y	+6.03%	+1.61%	+4.42	2 / 7	Q2
2Y	+4.54%	+1.63%	+2.91	2 / 7	Q2
3Y	+4.62%	+1.77%	+2.85	2 / 7	Q2
4Y	+5.56%	+1.90%	+3.66	2 / 7	Q2
5Y	+5.97%	+2.33%	+3.64	2 / 6	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.99%	+1.92%	+4.06	2 / 7	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
2011 YTD	+4.19%	+1.90%	+2.29	2 / 7
2010	+4.11%	+1.37%	+2.74	2 / 7
2009	+2.71%	+1.32%	+1.38	2 / 6
2008	+8.58%	+3.54%	+5.03	2 / 5
2007	+8.07%	+3.36%	+4.71	2 / 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

+5.92%

54 windows

min 2.3% · max 8.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+5.83%

30 windows

min 4.6% · max 7.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+5.95%

6 windows

min 5.9% · max 6.0%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

0.61%

3-year · annualised

Sharpe ratio

-3.25

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-3.57%

Aug 2009 → Aug 2009

% 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
1 Sep 2011	₹14.7347
30 Aug 2011	₹14.7289
29 Aug 2011	₹14.7260
28 Aug 2011	₹14.7232
26 Aug 2011	₹14.7168
25 Aug 2011	₹14.7134
24 Aug 2011	₹14.7100
23 Aug 2011	₹14.7066
22 Aug 2011	₹14.7032
21 Aug 2011	₹14.6999

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 - Short 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 - Short Term - Regular - Growth has NAV history starting from 02 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 - Short 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 - Short Term - Regular - Growth has delivered a absolute return of 6.03% — +4.42 pp ahead of the Floating Rate category average of 1.61%. The fund ranks #2 of 7 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC Floating Rate Fund - Short Term - Regular - Growth has delivered a CAGR of 4.62% — +2.85 pp ahead of the Floating Rate category average of 1.77%. The fund ranks #2 of 7 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Floating Rate Fund - Short Term - Regular - Growth has delivered a CAGR of 5.97% — +3.64 pp ahead of the Floating Rate category average of 2.33%. The fund ranks #2 of 6 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Floating Rate Fund - Short Term - Regular - Growth exactly 5 years ago would be worth approximately ₹133,655 today — a multiplier of 1.34×, based on the 5-year CAGR of 5.97%. The category average over the same window would have grown ₹1 lakh to ₹112,204.

A ₹10,000 monthly SIP in HSBC Floating Rate Fund - Short Term - Regular - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹686,359 today. That's an XIRR (money-weighted annualised return) of 5.31%.

HSBC Floating Rate Fund - Short Term - Regular - Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹686,359 — XIRR 5.31%.

On a 5-year basis, HSBC Floating Rate Fund - Short Term - Regular - Growth ranks #2 out of 6 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 2.33%; this fund delivered 5.97%.

The worst peak-to-trough decline HSBC Floating Rate Fund - Short Term - Regular - Growth has experienced over the last 5-year window is 3.57% — its NAV fell from a high on 28 Aug 2009 to a low on 30 Aug 2009. 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 - Short Term - Regular - Growth averaged 5.95% (best 5.97%, worst 5.94%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.01 — negative risk-adjusted performance.

In calendar year 2010, HSBC Floating Rate Fund - Short Term - Regular - Growth returned 4.11% — beating the Floating Rate category average of 1.37% by 2.74 pp. It ranked #2 of 7 in its category that year.

HSBC Floating Rate Fund - Short 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 - Short 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: 3.6%. 5-year CAGR: 5.97%.

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

HSBC Floating Rate Fund - Short Term - Regular - Growth

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Recent NAVs

Frequently asked questions

More from HSBC