Should I invest in HSBC MIP - Savings?

We don't give personal investment advice. HSBC MIP - Savings - Dividend - Quarterly is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 11.6%. 5-year CAGR: 1.20%.

HSBC

HSBC MIP - Savings - Dividend - Quarterly

Latest NAV

₹16.9386

As of

3 Jun 2026

4,873 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	+0.18%	+13.59%	-13.41	4 / 35	Q1
1W	+0.24%	+7.13%	-6.90	4 / 37	Q1
2W	+1.24%	+7.53%	-6.29	4 / 37	Q1
1M	+0.07%	+3.17%	-3.11	8 / 37	Q1
3M	-0.73%	+8.34%	-9.07	15 / 35	Q2
6M	-2.51%	-2.49%	-0.02	20 / 33	Q3
YTD	-0.33%	-7.68%	+7.35	10 / 35	Q2
1Y	-5.99%	-2.25%	-3.74	26 / 33	Q4
2Y	-2.27%	+1.30%	-3.57	27 / 33	Q4
3Y	+0.82%	+3.60%	-2.78	22 / 33	Q3
4Y	+1.46%	+3.95%	-2.49	21 / 33	Q3
5Y	+1.20%	+3.29%	-2.09	21 / 33	Q3
7Y	+3.28%	+3.60%	-0.33	16 / 33	Q2
10Y	+2.53%	+3.19%	-0.66	17 / 33	Q3
Inception	+2.23%	+13.32%	-11.09	18 / 35	Q3

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	-0.33%	-2.08%	+1.75	10 / 33
2025	-5.77%	+1.83%	-7.60	33 / 33
2024	+7.82%	+6.68%	+1.14	16 / 33
2023	+3.37%	+6.65%	-3.28	22 / 33
2022	-2.89%	-0.18%	-2.71	23 / 33
2021	+6.70%	+0.64%	+6.06	17 / 35
2020	+10.80%	+5.49%	+5.30	6 / 33
2019	+8.29%	+2.15%	+6.15	4 / 33
2018	-1.54%	-3.43%	+1.89	10 / 33
2017	-0.27%	+4.29%	-4.56	28 / 33
2016	-0.38%	+4.98%	-5.37	31 / 33

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

+2.64%

234 windows

min -14.8% · max 20.6%

62% positive

3-Year rolling

+2.65%

210 windows

min -3.0% · max 10.8%

87% positive

5-Year rolling

+2.61%

185 windows

min -1.0% · max 6.0%

98% positive

7-Year rolling

+2.58%

161 windows

min 1.0% · max 5.3%

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

5.85%

3-year · annualised

Sharpe ratio

-0.94

vs risk-free 6.5%

Sortino ratio

-1.32

Downside-only deviation

Max drawdown

-11.58%

Dec 2024 → Mar 2026

% positive months

52.8%

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 Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC MF Monthly Income Plan-Long Term Plan-Growth Option	HDFC	₹81.9654	3 Jun 2026
NIPPON INDIA CONSERVATIVE HYBRID FUND - SEGREGATED PORTFOLIO 2 - MONTHLY IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Magnum Monthly Income Plan - Growth	SBI	₹75.0311	3 Jun 2026
ICICI Prudential Income Multiplier Fund-Dividend option	ICICI Prudential	₹13.7052	3 Jun 2026
FT India Monthly Income Plan-Growth	Franklin Templeton	₹90.6648	3 Jun 2026
Kotak Debt Hybrid - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹12.0806	3 Jun 2026
DSP BlackRock Savings Manager Fund - Aggressive - Growth	DSP BlackRock	₹59.7959	3 Jun 2026
HSBC MIP - Savings - Dividend - Monthly	HSBC	₹12.7641	3 Jun 2026
Canara Robeco Cigo-Growth Plan	Canara Robeco	₹96.3840	3 Jun 2026
UTI - MIS-ADVANTAGE-FLEXI DIVIDEND	UTI	₹43.6903	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹16.9386
2 Jun 2026	₹16.9417
1 Jun 2026	₹16.9106
29 May 2026	₹16.9500
27 May 2026	₹16.9655
26 May 2026	₹16.9014
25 May 2026	₹16.8899
22 May 2026	₹16.8579
21 May 2026	₹16.8298
20 May 2026	₹16.8126

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 MIP - Savings - Dividend - Quarterly is ₹16.9386. It's a Conservative Hybrid Fund from HSBC, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

HSBC MIP - Savings - 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 - Savings - Dividend - Quarterly is managed by HSBC. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, HSBC MIP - Savings - Dividend - Quarterly has delivered a absolute return of -5.99% — -3.74 pp behind the Conservative Hybrid Fund category average of -2.25%. The fund ranks #26 of 33 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, HSBC MIP - Savings - Dividend - Quarterly has delivered a CAGR of 0.82% — -2.78 pp behind the Conservative Hybrid Fund category average of 3.60%. The fund ranks #22 of 33 in its category — the third (Q3) quartile.

Over the trailing 5-year window, HSBC MIP - Savings - Dividend - Quarterly has delivered a CAGR of 1.20% — -2.09 pp behind the Conservative Hybrid Fund category average of 3.29%. The fund ranks #21 of 33 in its category — the third (Q3) quartile.

₹1 lakh invested in HSBC MIP - Savings - Dividend - Quarterly exactly 10 years ago would be worth approximately ₹128,382 today — a multiplier of 1.28×, based on the 10-year CAGR of 2.53%. The category average over the same window would have grown ₹1 lakh to ₹136,926.

A ₹10,000 monthly SIP in HSBC MIP - Savings - Dividend - Quarterly over the last 5 years — total invested ₹600,000 — would be worth ₹603,188 today. That's an XIRR (money-weighted annualised return) of 0.21%.

A ₹10,000 monthly SIP for 10 years in HSBC MIP - Savings - Dividend - Quarterly = ₹1,200,000 invested. It would currently be worth ₹1,351,968 (multiplier 1.13×). XIRR: 2.35%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, HSBC MIP - Savings - Dividend - Quarterly ranks #21 out of 33 funds in the Conservative Hybrid Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 3.29%; this fund delivered 1.20%.

The worst peak-to-trough decline HSBC MIP - Savings - Dividend - Quarterly has experienced over the last 5-year window is 11.58% — its NAV fell from a high on 16 Dec 2024 to a low on 30 Mar 2026. 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 - Savings - Dividend - Quarterly averaged 2.61% (best 6.00%, worst -0.96%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is -0.88 — negative risk-adjusted performance.

In calendar year 2025, HSBC MIP - Savings - Dividend - Quarterly returned -5.77% — lagging the Conservative Hybrid Fund category average of 1.83% by 7.60 pp. It ranked #33 of 33 in its category that year.

HSBC MIP - Savings - Dividend - Quarterly is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. HSBC MIP - Savings - Dividend - Quarterly is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 11.6%. 5-year CAGR: 1.20%.

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