Should I invest in HSBC Liquid Fund?

We don't give personal investment advice. HSBC Liquid Fund - 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: 0.0%. 5-year CAGR: 5.81%.

HSBC

HSBC Liquid Fund - Growth

Latest NAV

₹3,967.8162

As of

3 Jun 2026

3,950 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	+0.01%	-4.00%	+4.01	5 / 13	Q2
1W	+0.13%	-3.91%	+4.04	4 / 13	Q2
2W	+0.23%	-3.82%	+4.05	5 / 13	Q2
1M	+0.47%	-3.62%	+4.09	8 / 13	Q3
3M	+1.64%	-2.73%	+4.37	6 / 13	Q2
6M	+3.12%	-1.51%	+4.63	6 / 13	Q2
YTD	+2.62%	-0.95%	+3.57	8 / 13	Q3
1Y	+6.11%	+0.96%	+5.15	7 / 13	Q3
2Y	+6.67%	+3.28%	+3.39	6 / 13	Q2
3Y	+6.86%	+4.09%	+2.77	6 / 13	Q2
4Y	+6.62%	+4.17%	+2.45	6 / 12	Q2
5Y	+5.81%	+3.76%	+2.05	6 / 11	Q3
7Y	+5.17%	+5.57%	-0.40	5 / 5	Q4
10Y	+5.48%	+5.73%	-0.25	3 / 3	Q4
Inception	+6.07%	+4.16%	+1.91	4 / 13	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
2026 YTD	+2.62%	+1.98%	+0.64	5 / 8
2025	+6.47%	+0.56%	+5.91	5 / 12
2024	+7.31%	+6.10%	+1.21	5 / 12
2023	+7.00%	+5.83%	+1.17	5 / 12
2022	+4.10%	+3.97%	+0.13	10 / 12
2021	+2.42%	+2.96%	-0.54	9 / 11
2020	+3.18%	+2.92%	+0.26	5 / 7
2019	+5.77%	+6.05%	-0.28	5 / 6
2018	+6.50%	+6.11%	+0.39	4 / 6
2017	+5.73%	+5.93%	-0.21	5 / 6
2016	+6.59%	+7.00%	-0.41	2 / 2

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

+6.01%

152 windows

min 2.3% · max 8.7%

100% positive

3-Year rolling

+5.72%

128 windows

min 3.1% · max 7.9%

100% positive

5-Year rolling

+5.45%

103 windows

min 4.4% · max 7.2%

100% positive

7-Year rolling

+5.42%

79 windows

min 4.9% · max 6.9%

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

0.22%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.01%

Mar 2026 → Mar 2026

% 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.

Peers in Liquid Fund

Scheme	Fund house	NAV	As of
Franklin India Liquid Fund - Unclaimed IDCW Investor Education Plan - Growth	Franklin India	₹10.0000	3 Jun 2026
PGIM India Liquid Fund - Growth	PGIM India	₹359.2242	3 Jun 2026
Sundaram Liquid Fund (Formerly Known as Principal Cash Management Fund) -Growth Option	Sundaram	₹2,430.6722	3 Jun 2026
Union Liquid Fund - Growth Option	Union	₹2,654.9591	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹3,967.8162
2 Jun 2026	₹3,967.2158
1 Jun 2026	₹3,966.6576
31 May 2026	₹3,965.9024
29 May 2026	₹3,964.5417
28 May 2026	₹3,963.4250
26 May 2026	₹3,962.0106
25 May 2026	₹3,961.5042
24 May 2026	₹3,960.9469
23 May 2026	₹3,960.2832

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 Liquid Fund - Growth is ₹3,967.8162. It's a Liquid Fund from HSBC, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

HSBC Liquid Fund - Growth has NAV history starting from 30 Dec 2012, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

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

Over the trailing 1-year window, HSBC Liquid Fund - Growth has delivered a absolute return of 6.11% — +5.15 pp ahead of the Liquid Fund category average of 0.96%. The fund ranks #7 of 13 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC Liquid Fund - Growth has delivered a CAGR of 6.86% — +2.77 pp ahead of the Liquid Fund category average of 4.09%. The fund ranks #6 of 13 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Liquid Fund - Growth has delivered a CAGR of 5.81% — +2.05 pp ahead of the Liquid Fund category average of 3.76%. The fund ranks #6 of 11 in its category — the third (Q3) quartile.

₹1 lakh invested in HSBC Liquid Fund - Growth exactly 10 years ago would be worth approximately ₹170,484 today — a multiplier of 1.70×, based on the 10-year CAGR of 5.48%. The category average over the same window would have grown ₹1 lakh to ₹174,611.

A ₹10,000 monthly SIP in HSBC Liquid Fund - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹707,146 today. That's an XIRR (money-weighted annualised return) of 6.50%.

A ₹10,000 monthly SIP for 10 years in HSBC Liquid Fund - Growth = ₹1,200,000 invested. It would currently be worth ₹1,599,209 (multiplier 1.33×). XIRR: 5.60%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Liquid Fund - Growth ranks #6 out of 11 funds in the Liquid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.76%; this fund delivered 5.81%.

The worst peak-to-trough decline HSBC Liquid Fund - Growth has experienced over the last 5-year window is 0.03% — its NAV fell from a high on 03 May 2022 to a low on 05 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 Liquid Fund - Growth averaged 5.45% (best 7.19%, worst 4.36%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.64 — negative risk-adjusted performance.

In calendar year 2025, HSBC Liquid Fund - Growth returned 6.47% — beating the Liquid Fund category average of 0.56% by 5.91 pp. It ranked #5 of 12 in its category that year.

HSBC Liquid Fund - 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 Liquid Fund - 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: 0.0%. 5-year CAGR: 5.81%.

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

HSBC Liquid Fund - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Liquid Fund

Recent NAVs

Frequently asked questions

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