MF Gyan
debtHigh risk14 years oldAccelerating recently (last 6m ≈ 6% p.a.)

HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan

Invests in bonds and loans. Lower returns than equity but much less bumpy — often used for shorter goals. From HSBC Mutual Fund. It's been running since 2 Jan 2013.

Latest price per unit
₹10.1153
▼ 0.02% today
As of 25 Nov 2022 · updated once each business day

What ₹1 lakh would have become

Based on past returns
Invested 1 year ago
₹89.0k
▼ ₹11.0k loss · -11.0% / year
Invested 3 years ago
₹86.0k
▼ ₹14.0k loss · -4.9% / year
Invested 5 years ago
₹91.5k
▼ ₹8.5k loss · -1.8% / year

These are calculations from the fund's past prices, not a prediction. Real future returns can and often do differ.

SIP simulator

Play with a monthly investment

Slide the amount and switch the duration. Left column uses real past prices. Right column projects forward using this fund's historical rate — a calculation, not a prediction.

₹5.0k
Looking back · real
You would have invested₹1.80 L
Value today₹1.70 L
Gain / loss-₹10.4k
XIRR (annualised)-4.61%
Looking forward · hypothetical
You would invest₹1.80 L
Would become*₹1.68 L
Projected gain*+-₹12.2k
*at this fund's historical rate of -4.61% per year. Actual future returns can be different — sometimes very different.
Value Cumulative invested
Reality check. The backward SIP is real math on real past NAVs. The forward projection assumes the fund keeps up its historical rate — which rarely happens exactly. Past performance is not a promise. MF Gyan does not recommend any specific investment.
How it compares to peers

Vs 45 other funds in Debt Scheme - Dynamic Bond

Same plan
1-year return
-10.97%median 2.83% (-13.80%)
Rank #40 of 46Beats 9% of peers
3-year return
-4.90%median 3.18% (-8.08%)
Rank #35 of 46Beats 0% of peers
5-year return
-1.76%median 2.07% (-3.83%)
Rank #33 of 46Beats 3% of peers
Bumpiness (3Y)
17.16%median 4.01% (+13.15%)
Rank #35 of 46Less risky than 21% of peers
Worst-ever drop
-22.43%median -9.16% (-13.27%)
Rank #11 of 46Less risky than 78% of peers

Descriptive rankings within the same category and plan. Not a recommendation — one fund beating another historically does not mean it will continue to do so.

Year by year

Calendar-year returns. 5 of last 7 years were positive.

+3%
2016
-7%
2017
+2%
2018
+6%
2019
+7%
2020
-0%
2021
+1%
2022
Best year
2020 · 6.61%
Worst year
2017 · -7.01%

Price over time

How the per-unit price has moved. Tap a range to zoom in.

Bumpiness & worst drops

Day-to-day bumpiness
17.2%

The value swings roughly 17% up or down in a typical year. Finance-speak calls this volatility.

Worst drop ever
-22.43%

A lump sum invested at the previous peak would have temporarily lost about this much before recovering. Finance-speak calls this max drawdown.

Similar funds you might want to look at

Same category, same plan, sorted by 3-year return. Not recommendations — just neighbours.

Head-to-head comparisons

Side-by-side comparisons of HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan against other debt funds.

Technical details (for the pros)
CAGR — 1 year-10.97%
CAGR — 3 years-4.90%
CAGR — 5 years-1.76%
CAGR — since launch-0.60%
Volatility — 1 year (annualised)2.48%
Volatility — 3 years (annualised)17.16%
Max drawdown — 1 year-2.30%
Max drawdown — 3 years-22.43%
Sharpe ratio — 1 year (rf=6%)-1.68
Sharpe ratio — 3 years (rf=6%)-0.85

Fund info

Fund house
HSBC Mutual Fund
Category
Debt Scheme - Dynamic Bond
Plan
Direct
Option
IDCW
ISIN (Growth)
—
ISIN (Div re-invest)
—
Fund code
120049
First price on record
2 Jan 2013 · 2,103 daily prices

About HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan

HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan is a Debt Scheme - Dynamic Bond offered by HSBC Mutual Fund under the Direct plan with the IDCW option. It has approximately 14 years of NAV track record. The fund falls in the debt category — Invests in bonds and loans. Lower returns than equity but much less bumpy — often used for shorter goals.

The current NAV of HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan is ₹10.1153 (as of 25 Nov 2022). Historically, it has delivered -19.12% over the last year, -4.90% CAGR over 3 years, -1.76% CAGR over 5 years. Returns are historical and don't predict future performance.

Over the last three years, the fund's prices have moved with 17.2% annualised volatility — a "high" level of bumpiness; its deepest peak-to-trough fall on record was 22.4%. Being mentally prepared for drawdowns of this size is what separates long-term investors from reactive traders.

Frequently asked

What is the latest NAV of HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan?+

The latest NAV of HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan is ₹10.1153 as of 25 Nov 2022, down 0.02% from the previous day. NAV is updated once a business day after the market close.

What are the returns of HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan?+

HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan has delivered 1-year return -19.12%, 3-year CAGR -4.90%, 5-year CAGR -1.76%, since-inception CAGR -0.60%. Returns are historical and don't predict future performance — markets move in cycles.

What category does HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan belong to?+

HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan is categorised as Debt Scheme - Dynamic Bond. Invests in bonds and loans. Lower returns than equity but much less bumpy — often used for shorter goals.

How risky is HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan?+

Based on its 3-year annualised volatility of 17.2%, HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan sits in the "high" risk bucket. Volatility measures how much prices swing — higher means bigger ups and downs along the way.

Is HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan a direct plan?+

HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan is a Direct plan (no distributor commission — lower expense ratio) with the IDCW option (periodic distributions, taxable at your slab rate).

How old is HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan?+

HSBC Flexi Debt Fund - Half-yearly IDCW Direct Plan has NAV history available from 2 Jan 2013 — approximately 14 years of track record and 2,103 daily NAV observations.

Numbers are computed from stored daily prices from mfapi.in/AMFI. This is descriptive analytics, not investment advice. Past performance is not indicative of future returns.