Sharpe ratio
-0.21Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+2.14%1Y Absolute Return
-0.19%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 Gilt Fund - Direct GrowthFund 3Y annualised return · 5Y history unavailable | ₹8,42,935 | ₹7,32,612 | ₹1,10,323 | +5.83% |
| 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₹1.06
₹1 Lakh since launch₹1.06 Lakh
Fund age4.0 yrs
Fund information
Scheme code151014
ISININF917K01FI7
BenchmarkNIFTY All Duration G-Sec Index
CategoryDebt Scheme - Gilt Fund
Expense ratio0.50%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
69th / 139 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +11.31% | — | — |
| 3M | -4.79% | — | — |
| 6M | +5.56% | — | — |
| 1Y | +2.14% | — | +1.30% |
| 3Y | +5.83% | — | +3.90% |
| Since Launch | +5.79% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-0.32Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
3.40%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
1.62How 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%
Debt98.65%
Cash1.35%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 12 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 | Entities | GOI Securities | 25.52% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 21.89% |
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 11.97% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 10.35% |
| STATE DEVELOPMENT LOAN 37348 MH 08AP39 7.91 FV RS 100 | Unspecified | State Development Loan | 7.5% |
| STATE DEVELOPMENT LOAN 37102 TN 18FB32 7.12 FV RS 100 | Unspecified | State Development Loan | 6.09% |
| STATE DEVELOPMENT LOAN 30426 MH 25MY31 6.78 FV RS 100 | Unspecified | State Development Loan | 5.93% |
| STATE DEVELOPMENT LOAN 37131 MH 25FB30 6.77 FV RS 100 | Unspecified | State Development Loan | 4.85% |
| STATE DEVELOPMENT LOAN 36181 TN 02JL35 6.80 FV RS 100 | Unspecified | State Development Loan | 4.44% |
| Repo | Unspecified | Repo | 1.34% |
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
SH
Shriram Ramanathan
Since 2017 · Prior to joining HSBC Mutual Fund, he has worked with L&T MF, FIL Fund Management Pvt. Ltd., ING Investment Management, Zurich Asset Management Co., ICICI Ltd., and L&T Ltd.
Shriram is a B.E. (Electrical), PGDBM from XLRI Jamshedpur and CFA.
Compare similar funds
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Summary
A moderate-risk debt scheme - gilt fund. Recovered from its worst fall in 3 months. Top 10 holdings make up 100% — a handful of stocks can swing returns sharply.
Strengths
- Recovered from its worst fall in 3 months.
- Same fund manager for 10+ years — the strategy has not chopped and changed.
Weaknesses
- Top 10 holdings make up 100% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 100% of the portfolio.
- Entities makes up 70% — trouble in that sector hits the whole fund.