Should I invest in HSBC Low Duration Fund - Direct Annual IDCW?

We don't give personal investment advice. HSBC Low Duration Fund - Direct Annual 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.

HSBC

HSBC Low Duration Fund - Direct Annual IDCW

Latest NAV

₹10.3983

As of

3 Jun 2026

850 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	+0.05%	+0.02%	+0.02	4 / 87	Q1
1W	+0.23%	-4.24%	+4.46	17 / 91	Q1
2W	+0.24%	-2.10%	+2.34	9 / 89	Q1
1M	+0.26%	-2.19%	+2.45	5 / 87	Q1
3M	-7.01%	-2.06%	-4.95	85 / 87	Q4
6M	-5.78%	-1.60%	-4.19	84 / 86	Q4
YTD	-6.16%	-1.70%	-4.46	84 / 86	Q4
1Y	-2.70%	-0.19%	-2.51	84 / 86	Q4
2Y	-0.85%	+2.47%	-3.32	81 / 81	Q4
3Y	-0.88%	+2.22%	-3.10	76 / 76	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-1.64%	+1.88%	-3.52	86 / 86	Q4

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	-6.16%	+0.49%	-6.65	75 / 75
2025	+0.29%	+2.26%	-1.97	36 / 73
2024	-0.82%	+2.19%	-3.01	76 / 76
2023	+0.38%	-0.53%	+0.91	28 / 78
2022	—	—	—	—

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

-0.26%

31 windows

min -2.7% · max 1.3%

45% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

-0.38%

7 windows

min -0.9% · max 0.0%

14% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

7.75%

3-year · annualised

Sharpe ratio

-0.91

vs risk-free 6.5%

Sortino ratio

-0.95

Downside-only deviation

Max drawdown

-9.19%

Mar 2024 → Mar 2026

% positive months

91.7%

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 Low Duration Fund

Scheme	Fund house	NAV	As of
HDFC Low Duration Fund - Direct Plan - Daily IDCW	HDFC	₹10.0655	3 Jun 2026
NIPPON INDIA LOW DURATION FUND - DIRECT Plan - DAILY IDCW Option	Nippon India	₹1,012.2892	3 Jun 2026
SBI Low Duration Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,473.8948	3 Jun 2026
ICICI Prudential Savings Fund - Direct Plan - Daily IDCW	ICICI Prudential	₹105.7358	3 Jun 2026
Invesco India Low Duration Fund - Direct Plan - Discretionary IDCW (Payout / Reinvestment)	Invesco	₹4,153.7681	3 Jun 2026
BANDHAN Low Duration Fund-Direct Plan-Daily IDCW	Bandhan	₹10.1108	3 Jun 2026
Aditya Birla Sun Life Low Duration Fund -Direct - daily IDCW	Aditya Birla Sun Life	₹100.0001	3 Jun 2026
Franklin India Low Duration Fund-Direct-IDCW	Franklin India	₹10.5878	3 Jun 2026
Mirae Asset Low Duration Fund - Direct Plan - Daily IDCW	Mirae Asset	₹1,208.9337	3 Jun 2026
Kotak Low Duration Fund - Direct Plan - Monthly - Reinvestment & Payout of Income Distribution cum Capital Withdrawal Option	Kotak	₹1,000.2840	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.3983
2 Jun 2026	₹10.3973
1 Jun 2026	₹10.3925
29 May 2026	₹10.3851
27 May 2026	₹10.3776
26 May 2026	₹10.3737
25 May 2026	₹10.3728
22 May 2026	₹10.3632
21 May 2026	₹10.3605
20 May 2026	₹10.3699

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 Low Duration Fund - Direct Annual IDCW is ₹10.3983. It's a Low Duration Fund from HSBC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Low Duration Fund - Direct Annual IDCW has NAV history starting from 28 Nov 2022, a track record of about 3 years 6 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

HSBC Low Duration Fund - Direct Annual IDCW is managed by HSBC. It's classified by AMFI under the 'Low Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Low Duration Fund - Direct Annual IDCW has delivered a absolute return of -2.70% — -2.51 pp behind the Low Duration Fund category average of -0.19%. The fund ranks #84 of 86 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Low Duration Fund - Direct Annual IDCW has delivered a CAGR of -0.88% — -3.1 pp behind the Low Duration Fund category average of 2.22%. The fund ranks #76 of 76 in its category — the bottom (Q4) quartile.

HSBC Low Duration Fund - Direct Annual IDCW doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in HSBC Low Duration Fund - Direct Annual IDCW exactly 3 years ago would be worth approximately ₹97,375 today — a multiplier of 0.97×, based on the 3-year CAGR of -0.88%. The category average over the same window would have grown ₹1 lakh to ₹106,811.

A ₹10,000 monthly SIP in HSBC Low Duration Fund - Direct Annual IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹345,234 today. That's an XIRR (money-weighted annualised return) of -2.70%.

HSBC Low Duration Fund - Direct Annual IDCW doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹345,234 — XIRR -2.70%.

On a 3-year basis, HSBC Low Duration Fund - Direct Annual IDCW ranks #76 out of 76 funds in the Low Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 2.22%; this fund delivered -0.88%.

The worst peak-to-trough decline HSBC Low Duration Fund - Direct Annual IDCW has experienced over the last 3-year window is 9.19% — its NAV fell from a high on 26 Mar 2024 to a low on 27 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, HSBC Low Duration Fund - Direct Annual IDCW averaged -0.38% (best 0.00%, worst -0.88%). 14% of rolling windows ended positive. The 3-year Sharpe ratio is -0.91 — negative risk-adjusted performance.

In calendar year 2025, HSBC Low Duration Fund - Direct Annual IDCW returned 0.29% — lagging the Low Duration Fund category average of 2.26% by 1.97 pp. It ranked #36 of 73 in its category that year.

HSBC Low Duration Fund - Direct Annual 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 Low Duration Fund - Direct Annual 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.

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