Should I invest in HSBC Income Fund - Short Term - Inst.?

We don't give personal investment advice. HSBC Income Fund - Short Term - Inst. - Dividend - Weekly 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: 2.3%. 5-year CAGR: 2.85%.

HSBC

HSBC Income Fund - Short Term - Inst. - Dividend - Weekly

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	+0.03%	-9.99%	+10.02	109 / 1129	Q1
1W	-0.10%	-13.04%	+12.94	433 / 1151	Q2
2W	-0.12%	-13.18%	+13.06	412 / 1149	Q2
1M	+0.09%	-13.26%	+13.35	330 / 1137	Q2
3M	-0.18%	-13.15%	+12.97	646 / 1116	Q3
6M	-0.33%	-15.45%	+15.13	554 / 906	Q3
YTD	-0.31%	-15.77%	+15.46	496 / 952	Q3
1Y	-0.39%	-13.09%	+12.70	533 / 820	Q3
2Y	+0.16%	-12.72%	+12.88	259 / 446	Q3
3Y	-0.03%	-11.01%	+10.98	269 / 385	Q3
4Y	+1.62%	-6.52%	+8.14	146 / 339	Q2
5Y	+2.85%	-7.36%	+10.21	115 / 314	Q2
7Y	+3.52%	+2.53%	+0.99	100 / 234	Q2
10Y	—	—	—	—	—
Inception	—	—	—	—	—

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
2018 YTD	-0.31%	+1.30%	-1.61	76 / 90
2017	-1.07%	+1.63%	-2.70	120 / 137
2016	+1.12%	+3.02%	-1.90	97 / 181
2015	+0.08%	+2.22%	-2.14	142 / 216
2014	+8.70%	+5.51%	+3.19	81 / 240
2013	+7.57%	-1.95%	+9.52	63 / 276
2012	+9.61%	+1.38%	+8.23	68 / 295
2011	-0.93%	-3.16%	+2.23	248 / 317
2010	+0.25%	-5.78%	+6.03	228 / 377
2009	+1.76%	-12.86%	+14.62	298 / 713
2008	+1.00%	-2.02%	+3.02	157 / 380

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

+2.90%

118 windows

min -1.2% · max 11.0%

82% positive

3-Year rolling

+3.43%

95 windows

min -0.5% · max 8.7%

97% positive

5-Year rolling

+3.90%

70 windows

min 0.6% · max 5.5%

100% positive

7-Year rolling

+3.61%

46 windows

min 2.6% · max 4.0%

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

0.80%

3-year · annualised

Sharpe ratio

-8.15

vs risk-free 6.5%

Sortino ratio

-11.26

Downside-only deviation

Max drawdown

-1.89%

Nov 2016 → Feb 2018

% 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
23 Mar 2018	₹13.2788
22 Mar 2018	₹13.2746
21 Mar 2018	₹13.2702
20 Mar 2018	₹13.2960
19 Mar 2018	₹13.2976
16 Mar 2018	₹13.2917
15 Mar 2018	₹13.2797
14 Mar 2018	₹13.2719
13 Mar 2018	₹13.3228
12 Mar 2018	₹13.3132

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 Income Fund - Short Term - Inst. - Dividend - Weekly is a Income 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 Income Fund - Short Term - Inst. - Dividend - Weekly has NAV history starting from 06 Nov 2006, a track record of about 19 years 7 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 - Short Term - Inst. - Dividend - Weekly is managed by HSBC. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Income Fund - Short Term - Inst. - Dividend - Weekly has delivered a absolute return of -0.39% — +12.7 pp ahead of the Income category average of -13.09%. The fund ranks #533 of 820 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC Income Fund - Short Term - Inst. - Dividend - Weekly has delivered a CAGR of -0.03% — +10.98 pp ahead of the Income category average of -11.01%. The fund ranks #269 of 385 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HSBC Income Fund - Short Term - Inst. - Dividend - Weekly has delivered a CAGR of 2.85% — +10.21 pp ahead of the Income category average of -7.36%. The fund ranks #115 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Income Fund - Short Term - Inst. - Dividend - Weekly exactly 5 years ago would be worth approximately ₹115,091 today — a multiplier of 1.15×, based on the 5-year CAGR of 2.85%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in HSBC Income Fund - Short Term - Inst. - Dividend - Weekly over the last 5 years — total invested ₹600,000 — would be worth ₹616,156 today. That's an XIRR (money-weighted annualised return) of 1.05%.

A ₹10,000 monthly SIP for 10 years in HSBC Income Fund - Short Term - Inst. - Dividend - Weekly = ₹1,180,000 invested. It would currently be worth ₹1,348,984 (multiplier 1.14×). XIRR: 2.68%. 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 - Short Term - Inst. - Dividend - Weekly ranks #115 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 2.85%.

The worst peak-to-trough decline HSBC Income Fund - Short Term - Inst. - Dividend - Weekly has experienced over the last 5-year window is 2.33% — its NAV fell from a high on 18 Jun 2013 to a low on 19 Aug 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 Income Fund - Short Term - Inst. - Dividend - Weekly averaged 3.90% (best 5.54%, worst 0.58%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -2.06 — negative risk-adjusted performance.

In calendar year 2017, HSBC Income Fund - Short Term - Inst. - Dividend - Weekly returned -1.07% — lagging the Income category average of 1.63% by 2.70 pp. It ranked #120 of 137 in its category that year.

HSBC Income Fund - Short Term - Inst. - Dividend - Weekly 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 - Short Term - Inst. - Dividend - Weekly 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: 2.3%. 5-year CAGR: 2.85%.

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