Should I invest in HSBC MIP - Regular?

We don't give personal investment advice. HSBC MIP - Regular - Dividend - Quarterly 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: 9.9%. 5-year CAGR: 1.72%.

HSBC

HSBC MIP - Regular - Dividend - Quarterly

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	-0.19%	-14.54%	+14.35	229 / 373	Q3
1W	+0.82%	-15.89%	+16.71	20 / 369	Q1
2W	-1.38%	-15.78%	+14.41	223 / 371	Q3
1M	-1.04%	-16.05%	+15.02	212 / 373	Q3
3M	+3.02%	-17.27%	+20.30	25 / 366	Q1
6M	+4.34%	-30.18%	+34.52	65 / 393	Q1
YTD	+2.33%	-32.85%	+35.19	99 / 414	Q1
1Y	-0.33%	-15.79%	+15.46	204 / 309	Q3
2Y	+0.92%	-13.41%	+14.33	71 / 142	Q2
3Y	+2.17%	-6.89%	+9.06	38 / 95	Q2
4Y	+1.19%	+2.81%	-1.62	47 / 84	Q3
5Y	+1.72%	+2.94%	-1.21	36 / 76	Q2
7Y	+0.27%	+2.77%	-2.50	50 / 67	Q3
10Y	+1.24%	+2.81%	-1.56	22 / 38	Q3
Inception	+1.30%	-35.69%	+36.99	127 / 497	Q2

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
2016 YTD	+2.33%	+3.89%	-1.56	19 / 45
2015	-3.83%	+2.84%	-6.67	66 / 66
2014	+8.90%	+4.08%	+4.83	13 / 76
2013	-3.38%	+2.34%	-5.72	72 / 76
2012	+5.42%	+3.72%	+1.70	31 / 78
2011	-4.31%	+3.23%	-7.53	65 / 66
2010	-3.15%	-11.73%	+8.58	106 / 132
2009	+6.89%	-33.69%	+40.58	28 / 316
2008	-3.56%	-14.40%	+10.84	95 / 119
2007	+6.83%	+5.47%	+1.35	9 / 21
2006	—	—	—	—

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

+1.24%

117 windows

min -8.8% · max 15.8%

52% positive

3-Year rolling

+1.23%

92 windows

min -1.6% · max 4.0%

71% positive

5-Year rolling

+0.86%

68 windows

min -0.1% · max 2.1%

99% positive

7-Year rolling

+1.12%

44 windows

min 0.0% · max 2.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

5.67%

3-year · annualised

Sharpe ratio

-0.69

vs risk-free 6.5%

Sortino ratio

-1.19

Downside-only deviation

Max drawdown

-9.85%

Mar 2015 → Feb 2016

% positive months

50.0%

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.

Recent NAVs

Date	NAV
7 Oct 2016	₹12.0093
6 Oct 2016	₹12.0316
5 Oct 2016	₹12.0539
4 Oct 2016	₹12.0145
3 Oct 2016	₹11.9856
30 Sep 2016	₹11.9120
29 Sep 2016	₹11.8770
28 Sep 2016	₹11.9643
27 Sep 2016	₹11.9469
26 Sep 2016	₹12.1866

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.

HSBC MIP - Regular - Dividend - Quarterly is a Income from HSBC (Regular plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

HSBC MIP - Regular - Dividend - Quarterly has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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 MIP - Regular - Dividend - Quarterly is managed by HSBC. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC MIP - Regular - Dividend - Quarterly has delivered a absolute return of -0.33% — +15.46 pp ahead of the Income category average of -15.79%. The fund ranks #204 of 309 in its category — the third (Q3) quartile.

Over the trailing 3-year window, HSBC MIP - Regular - Dividend - Quarterly has delivered a CAGR of 2.17% — +9.06 pp ahead of the Income category average of -6.89%. The fund ranks #38 of 95 in its category — the second (Q2) quartile.

Over the trailing 5-year window, HSBC MIP - Regular - Dividend - Quarterly has delivered a CAGR of 1.72% — -1.21 pp behind the Income category average of 2.94%. The fund ranks #36 of 76 in its category — the second (Q2) quartile.

₹1 lakh invested in HSBC MIP - Regular - Dividend - Quarterly exactly 10 years ago would be worth approximately ₹113,154 today — a multiplier of 1.13×, based on the 10-year CAGR of 1.24%. The category average over the same window would have grown ₹1 lakh to ₹131,897.

A ₹10,000 monthly SIP in HSBC MIP - Regular - Dividend - Quarterly over the last 5 years — total invested ₹600,000 — would be worth ₹619,823 today. That's an XIRR (money-weighted annualised return) of 1.28%.

A ₹10,000 monthly SIP for 10 years in HSBC MIP - Regular - Dividend - Quarterly = ₹1,200,000 invested. It would currently be worth ₹1,264,871 (multiplier 1.05×). XIRR: 1.04%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC MIP - Regular - Dividend - Quarterly ranks #36 out of 76 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.94%; this fund delivered 1.72%.

The worst peak-to-trough decline HSBC MIP - Regular - Dividend - Quarterly has experienced over the last 5-year window is 9.85% — its NAV fell from a high on 04 Mar 2015 to a low on 25 Feb 2016. 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 MIP - Regular - Dividend - Quarterly averaged 0.86% (best 2.12%, worst -0.14%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is -0.86 — negative risk-adjusted performance.

In calendar year 2015, HSBC MIP - Regular - Dividend - Quarterly returned -3.83% — lagging the Income category average of 2.84% by 6.67 pp. It ranked #66 of 66 in its category that year.

HSBC MIP - Regular - Dividend - Quarterly 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 MIP - Regular - Dividend - Quarterly 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: 9.9%. 5-year CAGR: 1.72%.

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