Should I invest in HSBC Medium to Long Duration Fund - Direct Growth?

We don't give personal investment advice. HSBC Medium to Long Duration Fund - Direct 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: 3.1%. 5-year CAGR: 5.18%.

HSBC

HSBC Medium to Long Duration Fund - Direct Growth

Latest NAV

₹47.7483

As of

3 Jun 2026

3,233 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	+0.07%	-2.27%	+2.34	30 / 1079	Q1
1W	+0.23%	-2.66%	+2.89	34 / 945	Q1
2W	+0.39%	-2.62%	+3.01	36 / 930	Q1
1M	-0.08%	-2.43%	+2.35	848 / 924	Q4
3M	-0.47%	-1.42%	+0.95	854 / 916	Q4
6M	+0.18%	-0.05%	+0.24	821 / 876	Q4
YTD	+0.09%	-0.27%	+0.36	820 / 880	Q4
1Y	+0.65%	+3.14%	-2.49	800 / 835	Q4
2Y	+5.51%	+4.08%	+1.44	691 / 807	Q4
3Y	+6.01%	+4.43%	+1.58	694 / 800	Q4
4Y	+6.51%	+7.85%	-1.34	136 / 164	Q4
5Y	+5.18%	+7.36%	-2.18	65 / 77	Q4
7Y	+5.92%	+6.45%	-0.54	26 / 39	Q3
10Y	+6.28%	+6.61%	-0.33	13 / 21	Q3
Inception	+6.69%	+5.01%	+1.69	842 / 1079	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	+0.09%	+1.71%	-1.62	90 / 91
2025	+6.43%	+6.90%	-0.47	81 / 98
2024	+9.05%	+9.13%	-0.07	17 / 103
2023	+6.91%	+7.13%	-0.23	68 / 89
2022	+1.37%	-1.01%	+2.38	112 / 220
2021	+2.14%	-0.37%	+2.50	247 / 366
2020	+10.28%	+6.75%	+3.53	69 / 486
2019	+10.93%	+7.15%	+3.77	49 / 524
2018	+6.02%	+5.66%	+0.36	161 / 269
2017	+0.99%	+6.29%	-5.29	273 / 279
2016	+11.79%	+8.41%	+3.38	16 / 241

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

+7.05%

152 windows

min -1.5% · max 16.3%

96% positive

3-Year rolling

+6.89%

127 windows

min 3.3% · max 11.8%

100% positive

5-Year rolling

+6.67%

103 windows

min 5.1% · max 9.0%

100% positive

7-Year rolling

+6.92%

79 windows

min 5.3% · max 8.8%

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

2.69%

3-year · annualised

Sharpe ratio

-0.23

vs risk-free 6.5%

Sortino ratio

-0.54

Downside-only deviation

Max drawdown

-1.65%

Mar 2026 → Apr 2026

% positive months

80.6%

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 to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC FMP 1269D March 2023 - Growth Option - Direct Plan	HDFC	₹12.5263	3 Jun 2026
Nippon India Fixed Maturity Plan - XLIII - Series 1- Direct Plan - Growth Option	Nippon India	₹13.3582	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth	SBI	₹17.3852	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹43.7788	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹17.7320	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.5023	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.0072	3 Jun 2026
Kotak Bond Fund - Growth - Direct	Kotak	₹88.1692	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.2410	3 Jun 2026
CANARA ROBECO INCOME FUND - DIRECT PLAN - GROWTH OPTION	Canara Robeco	₹63.4439	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹47.7483
2 Jun 2026	₹47.7728
1 Jun 2026	₹47.7391
29 May 2026	₹47.7230
27 May 2026	₹47.6872
26 May 2026	₹47.6655
25 May 2026	₹47.6634
22 May 2026	₹47.5654
21 May 2026	₹47.5312
20 May 2026	₹47.5958

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 to Long Duration Fund - Direct Growth is ₹47.7483. It's a Medium to Long Duration Fund from HSBC, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

HSBC Medium to Long Duration Fund - Direct Growth has NAV history starting from 08 Jan 2013, a track record of about 13 years 4 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 Medium to Long Duration Fund - Direct Growth is managed by HSBC. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC Medium to Long Duration Fund - Direct Growth has delivered a absolute return of 0.65% — -2.49 pp behind the Medium to Long Duration Fund category average of 3.14%. The fund ranks #800 of 835 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC Medium to Long Duration Fund - Direct Growth has delivered a CAGR of 6.01% — +1.58 pp ahead of the Medium to Long Duration Fund category average of 4.43%. The fund ranks #694 of 800 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, HSBC Medium to Long Duration Fund - Direct Growth has delivered a CAGR of 5.18% — -2.18 pp behind the Medium to Long Duration Fund category average of 7.36%. The fund ranks #65 of 77 in its category — the bottom (Q4) quartile.

₹1 lakh invested in HSBC Medium to Long Duration Fund - Direct Growth exactly 10 years ago would be worth approximately ₹183,905 today — a multiplier of 1.84×, based on the 10-year CAGR of 6.28%. The category average over the same window would have grown ₹1 lakh to ₹189,685.

A ₹10,000 monthly SIP in HSBC Medium to Long Duration Fund - Direct Growth over the last 5 years — total invested ₹600,000 — would be worth ₹691,129 today. That's an XIRR (money-weighted annualised return) of 5.59%.

A ₹10,000 monthly SIP for 10 years in HSBC Medium to Long Duration Fund - Direct Growth = ₹1,200,000 invested. It would currently be worth ₹1,619,125 (multiplier 1.35×). XIRR: 5.84%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC Medium to Long Duration Fund - Direct Growth ranks #65 out of 77 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 7.36%; this fund delivered 5.18%.

The worst peak-to-trough decline HSBC Medium to Long Duration Fund - Direct Growth has experienced over the last 5-year window is 3.09% — its NAV fell from a high on 15 Dec 2021 to a low on 09 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 Medium to Long Duration Fund - Direct Growth averaged 6.67% (best 8.98%, worst 5.06%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.51 — negative risk-adjusted performance.

In calendar year 2025, HSBC Medium to Long Duration Fund - Direct Growth returned 6.43% — lagging the Medium to Long Duration Fund category average of 6.90% by 0.47 pp. It ranked #81 of 98 in its category that year.

HSBC Medium to Long Duration Fund - Direct 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 Medium to Long Duration Fund - Direct 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: 3.1%. 5-year CAGR: 5.18%.

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

HSBC Medium to Long Duration Fund - Direct Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium to Long Duration Fund

Recent NAVs

Frequently asked questions

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