Should I invest in HSBC Liquid Fund - Institutional Daily IDCW?

We don't give personal investment advice. HSBC Liquid Fund - Institutional Daily IDCW 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: 0.8%. 5-year CAGR: 0.65%.

HSBC

HSBC Liquid Fund - Institutional Daily IDCW

Latest NAV

₹1,562.8262

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	+0.00%	+0.01%	-0.01	44 / 46	Q4
1W	+0.00%	+0.06%	-0.06	41 / 46	Q4
2W	+0.00%	+0.10%	-0.10	40 / 46	Q4
1M	+0.00%	+0.22%	-0.22	39 / 46	Q4
3M	+0.00%	+0.67%	-0.67	42 / 46	Q4
6M	+0.00%	+1.27%	-1.27	42 / 46	Q4
YTD	+0.00%	+1.06%	-1.06	39 / 46	Q4
1Y	+0.00%	+2.35%	-2.35	43 / 46	Q4
2Y	+0.00%	+2.56%	-2.56	42 / 46	Q4
3Y	+0.00%	+2.62%	-2.62	42 / 46	Q4
4Y	-0.01%	+2.68%	-2.68	42 / 45	Q4
5Y	+0.65%	+2.48%	-1.83	20 / 45	Q2
7Y	+1.66%	+2.34%	-0.68	20 / 45	Q2
10Y	+3.21%	+2.51%	+0.70	18 / 43	Q2
Inception	+2.90%	+2.49%	+0.41	15 / 42	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	+0.00%	+1.12%	-1.12	33 / 38
2025	+0.00%	+2.63%	-2.63	31 / 38
2024	+0.00%	+3.08%	-3.08	34 / 38
2023	+0.00%	+3.02%	-3.02	37 / 38
2022	+1.43%	+2.16%	-0.73	19 / 40
2021	+3.09%	+1.46%	+1.62	18 / 40
2020	+3.85%	+1.63%	+2.21	13 / 44
2019	+6.45%	+2.29%	+4.17	11 / 45
2018	+7.20%	+2.61%	+4.58	14 / 45
2017	+6.41%	+2.33%	+4.09	14 / 45
2016	+7.29%	+2.72%	+4.57	14 / 44

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

+2.97%

152 windows

min -0.6% · max 7.4%

76% positive

3-Year rolling

+3.47%

128 windows

min -0.2% · max 7.0%

91% positive

5-Year rolling

+3.88%

103 windows

min 0.6% · max 6.2%

100% positive

7-Year rolling

+3.99%

79 windows

min 1.7% · max 5.2%

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

0.03%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.07%

Mar 2024 → Mar 2026

% positive months

5.6%

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.

Peers in Liquid Fund

Scheme	Fund house	NAV	As of
SBI Premier Liquid Fund - Institutional - Daily Dividend	SBI	₹1,398.0143	3 Jun 2026
ICICI Prudential Liquid Plan - -Super Institutional Dividend Daily	ICICI Prudential	₹100.1482	3 Jun 2026
Templeton India Treasury Management Account-Super Institutional Plan - Daily Dividend	Franklin Templeton	₹1,000.0000	3 Jun 2026
Kotak Liquid-Institutional Premium Plan - (Daily Dividend)	Kotak Mahindra	₹1,262.0921	3 Jun 2026
DSP BlackRock Liquidity Fund- Institutional Plan-Daily Dividend	DSP BlackRock	₹1,001.4663	3 Jun 2026
Canara Robeco Liquid-Super Institutional-Daily Div Reinvest.	Canara Robeco	₹1,005.5000	3 Jun 2026
Tata Floating Short Term Institutional Plan (Growth)	UTI	₹4,344.9468	3 Jun 2026
Birla Sun Life Cash Plus-Institutional - Weekly Dividend	Birla Sun Life	₹108.2863	3 Jun 2026
JM High Liquidity Fund-Super Institutional Plan- Growth	JM Financial	₹43.2368	3 Jun 2026
Reliance Liquid Fund-Institutional Plan-Daily Dividend Option	Reliance	₹1,528.7400	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,562.8262
2 Jun 2026	₹1,562.8262
1 Jun 2026	₹1,562.8262
31 May 2026	₹1,562.8262
29 May 2026	₹1,562.8262
28 May 2026	₹1,562.8262
26 May 2026	₹1,562.8262
25 May 2026	₹1,562.8262
24 May 2026	₹1,562.8262
23 May 2026	₹1,563.0886

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 - Institutional Daily IDCW is ₹1,562.8262. It's a Liquid Fund from HSBC, run as a Institutional plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Liquid Fund - Institutional Daily IDCW 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 - Institutional Daily IDCW 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 - Institutional Daily IDCW has delivered a absolute return of 0.00% — -2.35 pp behind the Liquid Fund category average of 2.35%. The fund ranks #43 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Liquid Fund - Institutional Daily IDCW has delivered a CAGR of 0.00% — -2.62 pp behind the Liquid Fund category average of 2.62%. The fund ranks #42 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HSBC Liquid Fund - Institutional Daily IDCW has delivered a CAGR of 0.65% — -1.83 pp behind the Liquid Fund category average of 2.48%. The fund ranks #20 of 45 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Liquid Fund - Institutional Daily IDCW exactly 10 years ago would be worth approximately ₹137,152 today — a multiplier of 1.37×, based on the 10-year CAGR of 3.21%. The category average over the same window would have grown ₹1 lakh to ₹128,141.

A ₹10,000 monthly SIP in HSBC Liquid Fund - Institutional Daily IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹602,125 today. That's an XIRR (money-weighted annualised return) of 0.14%.

A ₹10,000 monthly SIP for 10 years in HSBC Liquid Fund - Institutional Daily IDCW = ₹1,200,000 invested. It would currently be worth ₹1,308,930 (multiplier 1.09×). XIRR: 1.71%. 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 - Institutional Daily IDCW ranks #20 out of 45 funds in the Liquid Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.48%; this fund delivered 0.65%.

The worst peak-to-trough decline HSBC Liquid Fund - Institutional Daily IDCW has experienced over the last 5-year window is 0.76% — its NAV fell from a high on 31 Jul 2022 to a low on 28 Mar 2023. 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 - Institutional Daily IDCW averaged 3.88% (best 6.25%, worst 0.65%). 100% of rolling windows ended positive.

In calendar year 2025, HSBC Liquid Fund - Institutional Daily IDCW returned 0.00% — lagging the Liquid Fund category average of 2.63% by 2.63 pp. It ranked #31 of 38 in its category that year.

HSBC Liquid Fund - Institutional Daily IDCW 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 - Institutional Daily IDCW 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: 0.8%. 5-year CAGR: 0.65%.

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