Should I invest in HSBC Income Fund - Investment - Regular?

We don't give personal investment advice. HSBC Income Fund - Investment - 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. Worst 5-year drawdown: 3.4%. 5-year CAGR: 4.26%.

HSBC

HSBC Income Fund - Investment - Regular - Growth

Latest NAV

₹42.7627

As of

3 Jun 2026

4,874 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	+0.07%	-5.48%	+5.55	13 / 472	Q1
1W	+0.22%	-6.69%	+6.90	11 / 472	Q1
2W	+0.38%	-6.61%	+6.98	10 / 472	Q1
1M	-0.12%	-6.65%	+6.53	162 / 472	Q2
3M	-0.16%	-6.59%	+6.43	166 / 471	Q2
6M	+0.38%	-6.25%	+6.63	133 / 443	Q2
YTD	+0.34%	-6.33%	+6.67	140 / 452	Q2
1Y	+0.53%	-4.07%	+4.60	139 / 439	Q2
2Y	+4.82%	+0.33%	+4.49	119 / 439	Q2
3Y	+5.11%	+1.73%	+3.37	128 / 439	Q2
4Y	+5.57%	+4.16%	+1.41	42 / 64	Q3
5Y	+4.26%	+3.80%	+0.46	25 / 43	Q3
7Y	+5.00%	+4.79%	+0.22	15 / 23	Q3
10Y	+5.40%	+4.00%	+1.41	5 / 17	Q2
Inception	+6.59%	+1.99%	+4.60	92 / 472	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
2026 YTD	+0.34%	+0.71%	-0.38	72 / 87
2025	+5.53%	+6.36%	-0.83	72 / 88
2024	+7.72%	+6.97%	+0.75	43 / 94
2023	+5.61%	+6.24%	-0.64	61 / 71
2022	+0.52%	-4.59%	+5.11	53 / 133
2021	+1.29%	-3.01%	+4.30	81 / 236
2020	+9.36%	+1.27%	+8.10	58 / 344
2019	+10.05%	+2.87%	+7.18	31 / 301
2018	+5.23%	+2.79%	+2.44	76 / 187
2017	+0.24%	+5.18%	-4.94	55 / 71
2016	+10.96%	+8.01%	+2.94	6 / 35

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

+6.85%

234 windows

min -2.2% · max 19.1%

95% positive

3-Year rolling

+6.76%

210 windows

min 2.4% · max 11.0%

100% positive

5-Year rolling

+6.74%

185 windows

min 4.0% · max 9.4%

100% positive

7-Year rolling

+6.87%

161 windows

min 4.4% · max 8.6%

100% positive

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

2.56%

3-year · annualised

Sharpe ratio

-0.58

vs risk-free 6.5%

Sortino ratio

-1.45

Downside-only deviation

Max drawdown

-1.67%

May 2025 → Aug 2025

% positive months

69.4%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
Nippon India Fixed Maturity Plan - XLIII - Series 1 - Regular Plan - Income Distribution cum Capital Withdrawal Plan	Nippon India	₹13.2025	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.1653	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN PERIODIC-IDCW (3652 days)	Bandhan	₹15.0027	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Regular Plan - Payout of IDCW option	Aditya Birla Sun Life	₹13.4359	3 Jun 2026
Kotak Bond-Regular-Annual Dividend	Kotak Mahindra	₹47.6827	3 Jun 2026
Kotak FMP Series 304-Regular Plan-Payout of IDCW	Kotak	₹12.9404	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Regular - IDCW	DSP	₹13.1466	3 Jun 2026
HSBC Income Fund - Investment - Regular - Dividend	HSBC	₹10.5254	3 Jun 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Payout of IDCW Option	UTI	₹12.1075	3 Jun 2026
Axis Fixed Maturity Plan - Series 129 (108 Days) - Regular Plan - IDCW	Axis	₹10.1904	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹42.7627
2 Jun 2026	₹42.7852
1 Jun 2026	₹42.7556
29 May 2026	₹42.7430
27 May 2026	₹42.7122
26 May 2026	₹42.6933
25 May 2026	₹42.6920
22 May 2026	₹42.6060
21 May 2026	₹42.5760
20 May 2026	₹42.6344

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 Income Fund - Investment - Regular - Growth is ₹42.7627. It's a Medium to Long Duration Fund from HSBC, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Income Fund - Investment - 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 Income Fund - Investment - Regular - Growth is managed by HSBC. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Income Fund - Investment - Regular - Growth has delivered a absolute return of 0.53% — +4.6 pp ahead of the Medium to Long Duration Fund category average of -4.07%. The fund ranks #139 of 439 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC Income Fund - Investment - Regular - Growth has delivered a CAGR of 5.11% — +3.37 pp ahead of the Medium to Long Duration Fund category average of 1.73%. The fund ranks #128 of 439 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Income Fund - Investment - Regular - Growth has delivered a CAGR of 4.26% — +0.46 pp ahead of the Medium to Long Duration Fund category average of 3.80%. The fund ranks #25 of 43 in its category — the third (Q3) quartile.

₹1 lakh invested in HSBC Income Fund - Investment - Regular - Growth exactly 10 years ago would be worth approximately ₹169,257 today — a multiplier of 1.69×, based on the 10-year CAGR of 5.40%. The category average over the same window would have grown ₹1 lakh to ₹147,955.

A ₹10,000 monthly SIP in HSBC Income Fund - Investment - Regular - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹676,889 today. That's an XIRR (money-weighted annualised return) of 4.76%.

A ₹10,000 monthly SIP for 10 years in HSBC Income Fund - Investment - Regular - Growth = ₹1,200,000 invested. It would currently be worth ₹1,546,189 (multiplier 1.29×). XIRR: 4.95%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Income Fund - Investment - Regular - Growth ranks #25 out of 43 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.80%; this fund delivered 4.26%.

The worst peak-to-trough decline HSBC Income Fund - Investment - Regular - Growth has experienced over the last 5-year window is 3.42% — its NAV fell from a high on 14 Dec 2021 to a low on 09 May 2022. 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 Income Fund - Investment - Regular - Growth averaged 6.74% (best 9.38%, worst 4.02%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.86 — negative risk-adjusted performance.

In calendar year 2025, HSBC Income Fund - Investment - Regular - Growth returned 5.53% — lagging the Medium to Long Duration Fund category average of 6.36% by 0.83 pp. It ranked #72 of 88 in its category that year.

HSBC Income Fund - Investment - 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 Income Fund - Investment - 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. Worst 5-year drawdown: 3.4%. 5-year CAGR: 4.26%.

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

HSBC Income Fund - Investment - Regular - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium to Long Duration Fund

Recent NAVs

Frequently asked questions

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