Should I invest in HSBC Liquid Fund - Regular Monthly IDCW?

We don't give personal investment advice. HSBC Liquid Fund - Regular Monthly 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: 0.03%.

HSBC

HSBC Liquid Fund - Regular Monthly IDCW

Latest NAV

₹1,003.8988

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%	0.00%	+0.02	9 / 83	Q1
1W	+0.13%	+0.04%	+0.09	26 / 83	Q2
2W	-0.17%	+0.05%	-0.23	75 / 83	Q4
1M	+0.06%	+0.12%	-0.05	33 / 83	Q2
3M	+0.05%	+0.36%	-0.31	37 / 82	Q2
6M	+0.04%	+0.71%	-0.67	43 / 83	Q3
YTD	+0.03%	+0.66%	-0.63	38 / 82	Q2
1Y	+0.02%	-0.04%	+0.07	33 / 75	Q2
2Y	+0.02%	+1.43%	-1.42	41 / 74	Q3
3Y	0.00%	+1.64%	-1.64	54 / 72	Q3
4Y	+0.02%	+1.55%	-1.53	33 / 64	Q3
5Y	+0.03%	+1.40%	-1.38	26 / 63	Q2
7Y	+0.02%	+1.05%	-1.03	18 / 57	Q2
10Y	+0.02%	+1.05%	-1.03	12 / 30	Q2
Inception	+0.02%	+0.33%	-0.31	52 / 82	Q3

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	+0.03%	+0.59%	-0.56	34 / 78
2025	-0.06%	+1.30%	-1.36	68 / 71
2024	-0.01%	+1.65%	-1.66	57 / 73
2023	-0.01%	+1.96%	-1.97	55 / 67
2022	+0.12%	+1.26%	-1.14	28 / 67
2021	+0.04%	+0.65%	-0.60	16 / 60
2020	-0.02%	+0.24%	-0.26	44 / 60
2019	-0.01%	+1.54%	-1.55	32 / 46
2018	+0.01%	+1.96%	-1.96	25 / 42
2017	-0.01%	+1.80%	-1.82	31 / 38
2016	+0.00%	+1.73%	-1.73	14 / 26

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

+0.02%

152 windows

min -0.8% · max 0.6%

55% positive

3-Year rolling

+0.02%

128 windows

min -0.1% · max 0.2%

56% positive

5-Year rolling

+0.01%

103 windows

min 0.0% · max 0.1%

69% positive

7-Year rolling

+0.01%

79 windows

min -0.1% · max 0.1%

84% 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

0.31%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.77%

Apr 2026 → Apr 2026

% positive months

47.2%

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
BANDHAN LIQUID Fund - Regular Plan - Periodic IDCW	Bandhan	₹1,437.9435	3 Jun 2026
Quantum Liquid Fund - Regular Plan Daily IDCW	Quantum	₹10.0002	3 Jun 2026
Aditya Birla Sun Life Liquid Fund -Regular - IDCW	Aditya Birla Sun Life	₹109.6442	3 Jun 2026
Motilal Oswal Liquid Fund Regular - IDCW Daily Reinvestment	Motilal Oswal	₹10.0055	3 Jun 2026
Templeton India Treasury Management Account-Regular Plan - Daily Dividend	Franklin Templeton	₹1,509.0075	3 Jun 2026
Kotak Liquid Fund - Regular Plan - Weekly - Reinvestment & Payout of Income Distribution cum capital withdrawal option	Kotak	₹1,035.5804	3 Jun 2026
Parag Parikh Liquid Fund- Regular Plan- Daily Reinvestment of IDCW	Parag Parikh	₹1,000.5404	3 Jun 2026
Edelweiss Liquid Fund - Regular Plan - Bonus Option	Edelweiss	₹2,056.0660	3 Jun 2026
HSBC Liquid Fund - Regular Daily IDCW	HSBC	₹1,001.3789	3 Jun 2026
Baroda BNP Paribas LIQUID FUND - Regular Plan - WEEKLY IDCW OPTION	Baroda BNP Paribas	₹1,000.2398	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,003.8988
2 Jun 2026	₹1,003.7469
1 Jun 2026	₹1,003.6057
31 May 2026	₹1,003.4146
29 May 2026	₹1,003.0703
28 May 2026	₹1,002.7878
26 May 2026	₹1,002.4299
25 May 2026	₹1,002.3019
24 May 2026	₹1,006.2373
23 May 2026	₹1,006.0686

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 Monthly IDCW is ₹1,003.8988. It's a Liquid Fund from HSBC, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Liquid Fund - Regular Monthly 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 - Regular Monthly 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 - Regular Monthly IDCW has delivered a absolute return of 0.02% — +0.07 pp ahead of the Liquid Fund category average of -0.04%. The fund ranks #33 of 75 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC Liquid Fund - Regular Monthly IDCW has delivered a CAGR of 0.00% — -1.64 pp behind the Liquid Fund category average of 1.64%. The fund ranks #54 of 72 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HSBC Liquid Fund - Regular Monthly IDCW has delivered a CAGR of 0.03% — -1.38 pp behind the Liquid Fund category average of 1.40%. The fund ranks #26 of 63 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC Liquid Fund - Regular Monthly IDCW exactly 10 years ago would be worth approximately ₹100,164 today — a multiplier of 1.00×, based on the 10-year CAGR of 0.02%. The category average over the same window would have grown ₹1 lakh to ₹110,980.

A ₹10,000 monthly SIP in HSBC Liquid Fund - Regular Monthly IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹600,238 today. That's an XIRR (money-weighted annualised return) of 0.02%.

A ₹10,000 monthly SIP for 10 years in HSBC Liquid Fund - Regular Monthly IDCW = ₹1,200,000 invested. It would currently be worth ₹1,201,428 (multiplier 1.00×). XIRR: 0.02%. 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 Monthly IDCW ranks #26 out of 63 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 1.40%; this fund delivered 0.03%.

The worst peak-to-trough decline HSBC Liquid Fund - Regular Monthly IDCW has experienced over the last 5-year window is 0.77% — its NAV fell from a high on 26 Apr 2026 to a low on 27 Apr 2026. 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 Monthly IDCW averaged 0.01% (best 0.08%, worst -0.03%). 69% of rolling windows ended positive.

In calendar year 2025, HSBC Liquid Fund - Regular Monthly IDCW returned -0.06% — lagging the Liquid Fund category average of 1.30% by 1.36 pp. It ranked #68 of 71 in its category that year.

HSBC Liquid Fund - Regular Monthly 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 - Regular Monthly 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: 0.03%.

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