Should I invest in HSBC Liquid Fund - Regular Growth?

We don't give personal investment advice. HSBC Liquid 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. Worst 5-year drawdown: 0.0%. 5-year CAGR: 6.05%.

HSBC

HSBC Liquid Fund - Regular Growth

Latest NAV

₹2,750.0725

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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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%	+0.01%	+0.00	4 / 19	Q1
1W	+0.13%	+0.13%	0.00	11 / 19	Q3
2W	+0.23%	+0.23%	+0.00	9 / 19	Q2
1M	+0.47%	+0.46%	+0.01	7 / 19	Q2
3M	+1.64%	+1.58%	+0.05	5 / 19	Q2
6M	+3.12%	+3.02%	+0.10	7 / 19	Q2
YTD	+2.62%	+2.55%	+0.08	7 / 19	Q2
1Y	+6.11%	+5.97%	+0.14	5 / 16	Q2
2Y	+6.67%	+6.52%	+0.15	5 / 14	Q2
3Y	+6.86%	+6.69%	+0.18	4 / 14	Q2
4Y	+6.71%	+6.54%	+0.18	3 / 13	Q1
5Y	+6.05%	+5.89%	+0.16	3 / 13	Q1
7Y	+5.58%	+5.39%	+0.19	3 / 12	Q1
10Y	+6.04%	+5.95%	+0.09	2 / 6	Q2
Inception	+6.74%	+5.62%	+1.12	5 / 19	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%	+2.55%	+0.08	7 / 19
2025	+6.47%	+6.31%	+0.16	5 / 15
2024	+7.31%	+7.15%	+0.16	5 / 14
2023	+7.00%	+6.81%	+0.19	3 / 13
2022	+4.82%	+4.69%	+0.13	4 / 13
2021	+3.24%	+3.13%	+0.11	4 / 12
2020	+3.99%	+3.74%	+0.25	4 / 12
2019	+6.64%	+6.25%	+0.39	2 / 10
2018	+7.42%	+7.20%	+0.22	2 / 8
2017	+6.64%	+6.60%	+0.05	5 / 7
2016	+7.54%	+7.58%	-0.04	4 / 5

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

+6.69%

152 windows

min 3.1% · max 9.7%

100% positive

3-Year rolling

+6.44%

128 windows

min 3.9% · max 8.9%

100% positive

5-Year rolling

+6.20%

103 windows

min 5.1% · max 8.2%

100% positive

7-Year rolling

+6.18%

79 windows

min 5.6% · max 7.8%

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
Quantum Liquid Fund - Regular Plan Growth Option	Quantum	₹36.8042	3 Jun 2026
Motilal Oswal Liquid Fund - Regular Growth	Motilal Oswal	₹14.5235	3 Jun 2026
Parag Parikh Liquid Fund- Regular Plan- Growth	Parag Parikh	₹1,529.5150	3 Jun 2026
Edelweiss Liquid Fund - Regular Plan - Growth Option	Edelweiss	₹3,529.5132	3 Jun 2026
Axis Liquid Fund - Regular Plan - Growth Option	Axis	₹3,073.4001	3 Jun 2026
360 ONE LIQUID FUND REGULAR PLAN GROWTH	360 ONE	₹2,120.4571	3 Jun 2026
Abakkus Liquid Fund - Regular Plan - Growth		₹102.6116	3 Jun 2026
Bajaj Finserv Liquid Fund - Regular Plan - Growth	Bajaj Finserv	₹1,210.8028	3 Jun 2026
Groww Liquid Fund (formerly known as Indiabulls Liquid Fund) - Regular Plan - Growth Option	Groww	₹2,668.4084	3 Jun 2026
ITI Liquid Fund - Regular Plan - Growth Option	ITI	₹1,434.8055	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹2,750.0725
2 Jun 2026	₹2,749.6564
1 Jun 2026	₹2,749.2695
31 May 2026	₹2,748.7461
29 May 2026	₹2,747.8029
28 May 2026	₹2,747.0290
26 May 2026	₹2,746.0486
25 May 2026	₹2,745.6977
24 May 2026	₹2,745.3114
23 May 2026	₹2,744.8514

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 - Regular Growth is ₹2,750.0725. It's a Liquid Fund from HSBC, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

HSBC Liquid Fund - Regular 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 - Regular 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 - Regular Growth has delivered a absolute return of 6.11% — +0.14 pp ahead of the Liquid Fund category average of 5.97%. The fund ranks #5 of 16 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC Liquid Fund - Regular Growth has delivered a CAGR of 6.86% — +0.18 pp ahead of the Liquid Fund category average of 6.69%. The fund ranks #4 of 14 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Liquid Fund - Regular Growth has delivered a CAGR of 6.05% — +0.16 pp ahead of the Liquid Fund category average of 5.89%. The fund ranks #3 of 13 in its category — the top (Q1) quartile.

₹1 lakh invested in HSBC Liquid Fund - Regular Growth exactly 10 years ago would be worth approximately ₹179,819 today — a multiplier of 1.80×, based on the 10-year CAGR of 6.04%. The category average over the same window would have grown ₹1 lakh to ₹178,304.

A ₹10,000 monthly SIP in HSBC Liquid Fund - Regular Growth over the last 5 years — total invested ₹600,000 — would be worth ₹708,544 today. That's an XIRR (money-weighted annualised return) of 6.58%.

A ₹10,000 monthly SIP for 10 years in HSBC Liquid Fund - Regular Growth = ₹1,200,000 invested. It would currently be worth ₹1,630,863 (multiplier 1.36×). XIRR: 5.98%. 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 - Regular Growth ranks #3 out of 13 funds in the Liquid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 5.89%; this fund delivered 6.05%.

The worst peak-to-trough decline HSBC Liquid Fund - Regular Growth has experienced over the last 5-year window is 0.02% — 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 - Regular Growth averaged 6.20% (best 8.16%, worst 5.14%). 100% of rolling windows ended positive.

In calendar year 2025, HSBC Liquid Fund - Regular Growth returned 6.47% — beating the Liquid Fund category average of 6.31% by 0.16 pp. It ranked #5 of 15 in its category that year.

HSBC Liquid 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 Liquid 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. Worst 5-year drawdown: 0.0%. 5-year CAGR: 6.05%.

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

HSBC Liquid Fund - Regular 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

More from HSBC