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

We don't give personal investment advice. HSBC Medium to Long Duration Fund - Regular 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: 3.4%. 5-year CAGR: 4.64%.

HSBC

HSBC Medium to Long Duration Fund - Regular Growth

Latest NAV

₹43.6627

As of

24 Jul 2026

4,910 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	+0.03%	-5.54%	+5.56	31 / 472	Q1
1W	-0.17%	-6.74%	+6.58	170 / 472	Q2
2W	-0.46%	-6.69%	+6.23	193 / 472	Q2
1M	+0.29%	-6.68%	+6.98	123 / 472	Q2
3M	+1.94%	-6.55%	+8.49	18 / 471	Q1
6M	+2.79%	-6.19%	+8.98	36 / 443	Q1
YTD	+2.40%	-6.26%	+8.65	58 / 452	Q1
1Y	+2.98%	-4.04%	+7.02	124 / 439	Q2
2Y	+5.46%	+0.30%	+5.16	111 / 439	Q2
3Y	+5.77%	+1.74%	+4.03	126 / 439	Q2
4Y	+5.78%	+4.12%	+1.67	43 / 66	Q3
5Y	+4.64%	+3.99%	+0.65	29 / 48	Q3
7Y	+4.87%	+5.25%	-0.38	14 / 23	Q3
10Y	+5.32%	+3.92%	+1.40	6 / 17	Q2
Inception	+6.65%	+1.98%	+4.67	91 / 472	Q1

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	+2.40%	+1.13%	+1.27	38 / 87
2025	+5.53%	+6.36%	-0.83	72 / 88
2024	+7.72%	+6.97%	+0.75	43 / 94
2023	+5.61%	+6.24%	-0.64	61 / 71
2022	+0.52%	-4.59%	+5.11	53 / 133
2021	+1.29%	-3.01%	+4.30	81 / 236
2020	+9.36%	+1.27%	+8.10	58 / 344
2019	+10.05%	+2.87%	+7.18	31 / 301
2018	+5.23%	+2.79%	+2.44	76 / 187
2017	+0.24%	+5.18%	-4.94	55 / 71
2016	+10.96%	+8.01%	+2.94	6 / 35

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

+6.79%

236 windows

min -2.1% · max 15.8%

96% positive

3-Year rolling

+6.75%

211 windows

min 2.3% · max 10.7%

100% positive

5-Year rolling

+6.72%

187 windows

min 4.1% · max 9.1%

100% positive

7-Year rolling

+6.84%

163 windows

min 4.4% · max 8.6%

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

2.50%

3-year · annualised

Sharpe ratio

-0.35

vs risk-free 6.5%

Sortino ratio

-0.91

Downside-only deviation

Max drawdown

-1.67%

May 2025 → Aug 2025

% positive months

75.0%

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
Nippon India Fixed Maturity Plan-XLIII-Series 5- Regular Plan-Payout of IDCW	Nippon India	₹13.3646	24 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.4727	24 Jul 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN PERIODIC-IDCW (3652 days)	Bandhan	₹15.2931	24 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Regular Plan - Payout of IDCW Option	Aditya Birla Sun Life	₹13.5666	24 Jul 2026
Kotak Bond Fund - Regular Plan - Standard IDCW Option	Kotak Mahindra	₹48.9044	24 Jul 2026
Kotak FMP Series 304-Regular Plan-Payout of IDCW	Kotak	₹13.2627	24 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Regular - IDCW	DSP	₹13.2563	24 Jul 2026
HSBC Medium to Long Duration Fund - Regular Quarterly IDCW	HSBC	₹10.6421	24 Jul 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Payout of IDCW Option	UTI	₹12.2363	24 Jul 2026
Axis Fixed Term Plan - Series 113 (1228 Days) - Regular Plan - Half Yearly IDCW	Axis	₹12.5876	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹43.6627
23 Jul 2026	₹43.6518
22 Jul 2026	₹43.7005
21 Jul 2026	₹43.7170
20 Jul 2026	₹43.7164
17 Jul 2026	₹43.7359
16 Jul 2026	₹43.7848
15 Jul 2026	₹43.7240
14 Jul 2026	₹43.6752
13 Jul 2026	₹43.8493

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 24 Jul 2026, the NAV of HSBC Medium to Long Duration Fund - Regular Growth is ₹43.6627. It's a Medium to Long Duration Fund from HSBC, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC Medium to Long Duration Fund - Regular Growth has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

HSBC Medium to Long Duration Fund - Regular 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 - Regular Growth has delivered a absolute return of 2.98% — +7.02 pp ahead of the Medium to Long Duration Fund category average of -4.04%. The fund ranks #124 of 439 in its category — the second (Q2) quartile.

Over the trailing 3-year window, HSBC Medium to Long Duration Fund - Regular Growth has delivered a CAGR of 5.77% — +4.03 pp ahead of the Medium to Long Duration Fund category average of 1.74%. The fund ranks #126 of 439 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC Medium to Long Duration Fund - Regular Growth has delivered a CAGR of 4.64% — +0.65 pp ahead of the Medium to Long Duration Fund category average of 3.99%. The fund ranks #29 of 48 in its category — the third (Q3) quartile.

₹1 lakh invested in HSBC Medium to Long Duration Fund - Regular Growth exactly 10 years ago would be worth approximately ₹167,940 today — a multiplier of 1.68×, based on the 10-year CAGR of 5.32%. The category average over the same window would have grown ₹1 lakh to ₹146,918.

A ₹10,000 monthly SIP in HSBC Medium to Long Duration Fund - Regular Growth over the last 5 years — total invested ₹600,000 — would be worth ₹686,575 today. That's an XIRR (money-weighted annualised return) of 5.33%.

A ₹10,000 monthly SIP for 10 years in HSBC Medium to Long Duration Fund - Regular Growth = ₹1,200,000 invested. It would currently be worth ₹1,566,206 (multiplier 1.31×). XIRR: 5.20%. 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 - Regular Growth ranks #29 out of 48 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.99%; this fund delivered 4.64%.

The worst peak-to-trough decline HSBC Medium to Long Duration Fund - Regular Growth has experienced over the last 5-year window is 3.42% — its NAV fell from a high on 14 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 - Regular Growth averaged 6.72% (best 9.11%, worst 4.10%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.79 — negative risk-adjusted performance.

In calendar year 2025, HSBC Medium to Long Duration Fund - Regular Growth returned 5.53% — lagging the Medium to Long Duration Fund category average of 6.36% by 0.83 pp. It ranked #72 of 88 in its category that year.

HSBC Medium to Long Duration Fund - Regular 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 - Regular 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: 3.4%. 5-year CAGR: 4.64%.

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 - Regular 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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