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

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

Latest NAV

₹11.4485

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	+0.06%	+52.33%	-52.28	27 / 45	Q3
1W	+0.22%	+32.00%	-31.78	28 / 52	Q3
2W	+0.44%	+49.51%	-49.07	23 / 46	Q2
1M	+0.29%	+49.76%	-49.47	27 / 46	Q3
3M	-7.53%	+50.68%	-58.21	45 / 46	Q4
6M	-6.44%	+52.99%	-59.43	45 / 46	Q4
YTD	-6.71%	+49.92%	-56.63	45 / 46	Q4
1Y	-3.92%	+58.11%	-62.02	43 / 46	Q4
2Y	-1.14%	+18.22%	-19.36	43 / 45	Q4
3Y	-1.07%	+3.00%	-4.07	35 / 37	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-1.78%	+6.67%	-8.45	42 / 47	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	-6.71%	-0.03%	-6.68	30 / 30
2025	-0.05%	+3.23%	-3.28	29 / 32
2024	+0.28%	+3.99%	-3.71	26 / 32
2023	-0.09%	+0.03%	-0.12	29 / 33
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

-0.15%

31 windows

min -3.9% · max 2.2%

45% positive

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

3-Year rolling

-0.41%

7 windows

min -1.1% · max 0.0%

43% 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

7.79%

3-year · annualised

Sharpe ratio

-0.93

vs risk-free 6.5%

Sortino ratio

-0.97

Downside-only deviation

Max drawdown

-9.73%

Mar 2025 → Apr 2026

% positive months

86.1%

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 Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC Medium Term Debt Fund - Fortnightly IDCW Opt - Direct Plan	HDFC	₹10.1151	3 Jun 2026
NIPPON INDIA MEDIUM DURATION FUND - SEGREGATED PORTFOLIO 2 - DIRECT Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Medium Duration Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.5440	3 Jun 2026
ICICI Prudential Medium Term Bond Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.4292	3 Jun 2026
Invesco India Medium Duration Fund - Direct Plan - Discretionary IDCW (Payout/Reinvestment)	Invesco	₹1,326.0991	3 Jun 2026
Bandhan Medium Duration Fund - Direct Plan - Bi Monthly IDCW	Bandhan	₹10.5750	3 Jun 2026
Aditya Birla Sun Life Medium Term Plan - DIRECT - HALF YEARLY IDCW	Aditya Birla Sun Life	₹14.7184	3 Jun 2026
Kotak Medium Term Fund - Direct - Standard Income Distribution cum capital withdrawal option	Kotak	₹26.7908	3 Jun 2026
DSP Bond Fund - Direct Plan - IDCW	DSP	₹11.5232	3 Jun 2026
HSBC Medium Duration Fund - Direct IDCW	HSBC	₹11.4404	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹11.4485
2 Jun 2026	₹11.4535
1 Jun 2026	₹11.4468
29 May 2026	₹11.4433
27 May 2026	₹11.4355
26 May 2026	₹11.4279
25 May 2026	₹11.4239
22 May 2026	₹11.4021
21 May 2026	₹11.3940
20 May 2026	₹11.4034

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 Medium Duration Fund - Direct Annual IDCW is ₹11.4485. It's a Medium Duration Fund from HSBC, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

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

Over the trailing 1-year window, HSBC Medium Duration Fund - Direct Annual IDCW has delivered a absolute return of -3.92% — -62.02 pp behind the Medium Duration Fund category average of 58.11%. The fund ranks #43 of 46 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Medium Duration Fund - Direct Annual IDCW has delivered a CAGR of -1.07% — -4.07 pp behind the Medium Duration Fund category average of 3.00%. The fund ranks #35 of 37 in its category — the bottom (Q4) quartile.

HSBC Medium 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 Medium Duration Fund - Direct Annual IDCW exactly 3 years ago would be worth approximately ₹96,823 today — a multiplier of 0.97×, based on the 3-year CAGR of -1.07%. The category average over the same window would have grown ₹1 lakh to ₹109,280.

A ₹10,000 monthly SIP in HSBC Medium Duration Fund - Direct Annual IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹343,409 today. That's an XIRR (money-weighted annualised return) of -3.04%.

HSBC Medium 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 ₹343,409 — XIRR -3.04%.

On a 3-year basis, HSBC Medium Duration Fund - Direct Annual IDCW ranks #35 out of 37 funds in the Medium Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 3.00%; this fund delivered -1.07%.

The worst peak-to-trough decline HSBC Medium Duration Fund - Direct Annual IDCW has experienced over the last 3-year window is 9.73% — its NAV fell from a high on 25 Mar 2025 to a low on 02 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 3-year rolling windows, HSBC Medium Duration Fund - Direct Annual IDCW averaged -0.41% (best 0.04%, worst -1.07%). 43% of rolling windows ended positive. The 3-year Sharpe ratio is -0.93 — negative risk-adjusted performance.

In calendar year 2025, HSBC Medium Duration Fund - Direct Annual IDCW returned -0.05% — lagging the Medium Duration Fund category average of 3.23% by 3.28 pp. It ranked #29 of 32 in its category that year.

HSBC Medium 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 Medium 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.