Should I invest in HSBC Gilt Fund - Regular Growth?

We don't give personal investment advice. HSBC Gilt Fund - Regular Growth 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.

HSBC

HSBC Gilt Fund - Regular Growth

Latest NAV

₹65.1372

As of

3 Jun 2026

850 NAV records on file

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	+0.05%	+0.03%	+0.02	5 / 7	Q3
1W	+0.12%	+0.04%	+0.08	1 / 7	Q1
2W	+0.48%	+0.46%	+0.02	4 / 7	Q3
1M	-0.27%	-0.17%	-0.10	5 / 7	Q3
3M	-1.29%	-0.94%	-0.35	5 / 7	Q3
6M	-0.80%	-0.07%	-0.74	7 / 7	Q4
YTD	-1.13%	-0.59%	-0.54	5 / 7	Q3
1Y	-2.74%	-2.00%	-0.74	5 / 7	Q3
2Y	+3.00%	+3.72%	-0.72	4 / 5	Q4
3Y	+4.13%	+4.82%	-0.69	5 / 5	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+4.55%	+3.87%	+0.68	5 / 7	Q3

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
2026 YTD	-1.13%	-0.59%	-0.54	5 / 7
2025	+3.51%	+3.82%	-0.30	4 / 6
2024	+8.32%	+9.02%	-0.70	4 / 5
2023	+5.50%	+6.20%	-0.69	5 / 5
2022	—	—	—	—

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

+5.62%

31 windows

min -2.7% · max 10.1%

90% positive

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

3-Year rolling

+4.93%

7 windows

min 4.1% · max 5.6%

100% positive

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

5-Year rolling

—

Insufficient history

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

3.85%

3-year · annualised

Sharpe ratio

-0.61

vs risk-free 6.5%

Sortino ratio

-1.08

Downside-only deviation

Max drawdown

-4.48%

May 2025 → Apr 2026

% positive months

61.1%

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.

Peers in Gilt Fund

Scheme	Fund house	NAV	As of
quant Gilt Fund - Growth Option - Regular Plan	Quant	₹11.8814	3 Jun 2026
Edelweiss Government Securities Fund - Regular Plan - Growth Option	Edelweiss	₹24.3534	3 Jun 2026
Axis Gilt Fund - Regular Plan - Growth Option	Axis	₹25.9680	3 Jun 2026
Bajaj Finserv Gilt Fund - Regular - Growth	Bajaj Finserv	₹1,032.1024	3 Jun 2026
Groww Gilt Fund - Regular - Growth	Groww	₹9.7458	3 Jun 2026
Union Gilt Fund - Regular Plan - Growth Option	Union	₹11.9245	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹65.1372
2 Jun 2026	₹65.2039
1 Jun 2026	₹65.1703
29 May 2026	₹65.1695
27 May 2026	₹65.1332
26 May 2026	₹65.1275
25 May 2026	₹65.1187
22 May 2026	₹64.9190
21 May 2026	₹64.8822
20 May 2026	₹64.9589

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.

As of 03 Jun 2026, the NAV of HSBC Gilt Fund - Regular Growth is ₹65.1372. It's a Gilt Fund from HSBC, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

HSBC Gilt Fund - Regular Growth has NAV history starting from 28 Nov 2022, a track record of about 3 years 6 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

HSBC Gilt Fund - Regular Growth is managed by HSBC. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Gilt Fund - Regular Growth has delivered a absolute return of -2.74% — -0.74 pp behind the Gilt Fund category average of -2.00%. The fund ranks #5 of 7 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC Gilt Fund - Regular Growth has delivered a CAGR of 4.13% — -0.69 pp behind the Gilt Fund category average of 4.82%. The fund ranks #5 of 5 in its category — the bottom (Q4) quartile.

HSBC Gilt Fund - Regular Growth doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in HSBC Gilt Fund - Regular Growth exactly 3 years ago would be worth approximately ₹112,918 today — a multiplier of 1.13×, based on the 3-year CAGR of 4.13%. The category average over the same window would have grown ₹1 lakh to ₹115,182.

A ₹10,000 monthly SIP in HSBC Gilt Fund - Regular Growth over the last 3 years — total invested ₹360,000 — would be worth ₹375,386 today. That's an XIRR (money-weighted annualised return) of 2.73%.

HSBC Gilt Fund - Regular Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹375,386 — XIRR 2.73%.

On a 3-year basis, HSBC Gilt Fund - Regular Growth ranks #5 out of 5 funds in the Gilt Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.82%; this fund delivered 4.13%.

The worst peak-to-trough decline HSBC Gilt Fund - Regular Growth has experienced over the last 3-year window is 4.48% — its NAV fell from a high on 28 May 2025 to a low on 02 Apr 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, HSBC Gilt Fund - Regular Growth averaged 4.93% (best 5.63%, worst 4.13%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is -0.61 — negative risk-adjusted performance.

In calendar year 2025, HSBC Gilt Fund - Regular Growth returned 3.51% — lagging the Gilt Fund category average of 3.82% by 0.30 pp. It ranked #4 of 6 in its category that year.

HSBC Gilt Fund - Regular Growth 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 Gilt Fund - Regular Growth 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.

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