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

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

Latest NAV

₹10.3826

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%	+76.20%	-76.14	14 / 19	Q3
1W	+0.21%	+41.40%	-41.19	11 / 23	Q2
2W	+0.41%	+81.02%	-80.61	8 / 18	Q2
1M	+0.24%	+81.50%	-81.26	12 / 18	Q3
3M	-7.79%	+87.43%	-95.22	17 / 17	Q4
6M	-6.86%	+84.56%	-91.42	17 / 18	Q4
YTD	-7.08%	+75.65%	-82.73	18 / 19	Q4
1Y	-4.65%	+91.60%	-96.25	17 / 18	Q4
2Y	-1.93%	+25.99%	-27.92	17 / 18	Q4
3Y	-1.82%	+2.01%	-3.83	12 / 13	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	-2.55%	-0.76%	-1.79	19 / 24	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	-7.08%	-2.57%	-4.51	11 / 12
2025	-0.85%	+3.45%	-4.30	13 / 13
2024	-0.39%	+3.67%	-4.06	12 / 12
2023	-0.90%	+2.86%	-3.76	10 / 12
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

-0.90%

31 windows

min -4.6% · max 1.4%

13% positive

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

3-Year rolling

-1.17%

7 windows

min -1.8% · max -0.7%

0% 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

7.82%

3-year · annualised

Sharpe ratio

-1.02

vs risk-free 6.5%

Sortino ratio

-1.06

Downside-only deviation

Max drawdown

-10.89%

Mar 2024 → 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
Invesco India Medium Duration Fund - Regular Plan - Discretionary IDCW(Payout / Reinvestment))	Invesco	₹1,273.0112	3 Jun 2026
Bandhan Medium Duration Fund - Regular Plan - Periodic IDCW	Bandhan	₹14.9026	3 Jun 2026
HSBC Medium Duration Fund - Regular IDCW	HSBC	₹10.5194	3 Jun 2026
UTI - Medium Term Fund (Segregated - 06032020) - Regular Plan - Annual Dividend Option	UTI	₹0.0000	3 Jun 2026
Axis Strategic Bond Fund - Regular Plan - Half Yearly IDCW	Axis	₹10.3409	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹10.3826
2 Jun 2026	₹10.3873
1 Jun 2026	₹10.3814
29 May 2026	₹10.3788
27 May 2026	₹10.3722
26 May 2026	₹10.3655
25 May 2026	₹10.3621
22 May 2026	₹10.3429
21 May 2026	₹10.3357
20 May 2026	₹10.3445

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 - Regular Annual IDCW is ₹10.3826. It's a Medium Duration Fund from HSBC, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Medium Duration Fund - Regular 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 - Regular 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 - Regular Annual IDCW has delivered a absolute return of -4.65% — -96.25 pp behind the Medium Duration Fund category average of 91.60%. The fund ranks #17 of 18 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Medium Duration Fund - Regular Annual IDCW has delivered a CAGR of -1.82% — -3.83 pp behind the Medium Duration Fund category average of 2.01%. The fund ranks #12 of 13 in its category — the bottom (Q4) quartile.

HSBC Medium Duration Fund - Regular 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 - Regular Annual IDCW exactly 3 years ago would be worth approximately ₹94,641 today — a multiplier of 0.95×, based on the 3-year CAGR of -1.82%. The category average over the same window would have grown ₹1 lakh to ₹106,153.

A ₹10,000 monthly SIP in HSBC Medium Duration Fund - Regular Annual IDCW over the last 3 years — total invested ₹360,000 — would be worth ₹339,215 today. That's an XIRR (money-weighted annualised return) of -3.82%.

HSBC Medium Duration Fund - Regular 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 ₹339,215 — XIRR -3.82%.

On a 3-year basis, HSBC Medium Duration Fund - Regular Annual IDCW ranks #12 out of 13 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 2.01%; this fund delivered -1.82%.

The worst peak-to-trough decline HSBC Medium Duration Fund - Regular Annual IDCW has experienced over the last 3-year window is 10.89% — its NAV fell from a high on 21 Mar 2024 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 - Regular Annual IDCW averaged -1.17% (best -0.73%, worst -1.82%). 0% of rolling windows ended positive. The 3-year Sharpe ratio is -1.02 — negative risk-adjusted performance.

In calendar year 2025, HSBC Medium Duration Fund - Regular Annual IDCW returned -0.85% — lagging the Medium Duration Fund category average of 3.45% by 4.30 pp. It ranked #13 of 13 in its category that year.

HSBC Medium Duration Fund - Regular 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 - Regular 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.