Sharpe ratio
0.25Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.08%1Y Absolute Return
-0.08%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| HSBC Banking and PSU Debt Fund - Direct GrowthFund 3Y annualised return · 5Y history unavailable | ₹8,62,514 | ₹7,32,612 | ₹1,29,902 | +6.76% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age4.0 yrs
Fund information
Scheme code151107
ISININF917K01HH5
BenchmarkNifty Banking & PSU Debt Index A-II
CategoryDebt Scheme - Banking and PSU Fund
Expense ratio0.24%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
33rd / 143 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.63% | — | — |
| 3M | +0.28% | — | — |
| 6M | +5.56% | — | — |
| 1Y | +4.08% | — | +1.68% |
| 3Y | +6.76% | — | +3.16% |
| Since Launch | +6.70% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.48Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
1.37%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
10.38How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt96.22%
Cash3.78%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 80 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| INDIAN OIL CORPORATION LIMITED SR XXVI 7.36 NCD 16JL29 FVRS1LAC | Energy & Utilities | Debenture | 3.4% |
| EXPORT IMPORT BANK OF INDIA SR AA02 7.35 BD 27JL28 FVRS1LAC | Financial | Bonds | 3.26% |
| Net Current Assets | Unspecified | Net Current Assets | 2.99% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SERIES 134 8.30 LOA 25MR29 FVRS10LAC | Financial | Debenture | 2.74% |
| BHARTI TELECOM LIMITED SR XXVIII 7.40 NCD 01FB29 FVRS1LAC | Technology | Debenture | 2.55% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 2.53% |
| HOUSING AND URBAN DEVELOPMENT CORPORATION LIMITED SR C 6.52 NCD 06JU28 FVRS1LAC | Financial | Debenture | 2.5% |
| EXPORT IMPORT BANK OF INDIA CD 01MAR27 | Financial | Certificate of Deposit | 2.41% |
| SHIVSHAKTI SECURITISATION TRUST SS TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 2.1% |
| POWER FINANCE CORPORATION LIMITED SR 246A 7.42 BD 15AP28 FVRS1LAC | Financial | Bonds | 2.07% |
Fund management
AS
Asif Rizwi
Since 2024 · Prior to joining HSBC MF, he has worked with L&T MF, Yes Bank, ICICI Bank, Nomura International plc and Deutsche Bank
Mr. Rizwi has done B.Tech and PGDM from IIM-C
MA
Mahesh A Chhabria
Since 2022 · Prior to joining HSBC MF, he has worked with L&T AMC, Edelweiss Securities Ltd, Darivium Traditions Pvt. Ltd. and FIL Fund Management Pvt. Ltd.
Mr. Chhabria is a Commerce Graduate and has also pursued FCA and CFA.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk debt scheme - banking and psu fund. Losses and swings stayed contained — worst fall -0.7%, volatility 1.4%. Financial makes up 67% — trouble in that sector hits the whole fund.
Strengths
- Losses and swings stayed contained — worst fall -0.7%, volatility 1.4%.
- Recovered from its worst fall in 0 months.
- Well spread out — top 10 holdings are only 27% of the portfolio.
- Ranks 33 of 143 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Financial makes up 67% — trouble in that sector hits the whole fund.