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3 star

HSBC Regular Savings Fund - Direct Plan


1 Lakh

Investment Grown to
₹ 1.38 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.30 Lakh

Suitability:

"Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year."

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 0.83 -0.20 0.20 1.27 0.34 5.99 10.49 11.27 8.43 8.05 --
VR MIP TRI 2.01 0.09 0.69 2.74 0.26 7.12 11.62 10.91 9.87 8.72 --
Hybrid: Conservative Hybrid 0.77 -0.26 0.10 1.18 0.63 5.36 11.59 9.49 8.23 8.36 --
Rank within category 17 10 10 19 24 12 18 6 15 16 --
Number of funds in category 36 36 36 36 36 36 33 30 30 28 0

As on 18-Jan-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
HSBC Regular Savings Fund - Direct Plan  | Invest Online
3 star
Jan-13 10.49 11.27 8.43 0.75% 89
SBI Conservative Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 14.98 12.85 9.31 0.56% 5,338
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 12.00 11.41 10.37 0.95% 3,375
Kotak Debt Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 14.76 14.38 10.71 0.48% 1,268
Canara Robeco Conservative Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 12.23 12.84 10.20 0.56% 1,045

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.33 24-Mar-2020 - 31-Mar-2020 -5.39 11-Mar-2020 - 18-Mar-2020
Month 6.80 07-May-2014 - 06-Jun-2014 -10.35 20-Feb-2020 - 23-Mar-2020
Quarter 10.81 23-Mar-2020 - 22-Jun-2020 -8.30 23-Dec-2019 - 23-Mar-2020
Year 26.91 30-Jan-2014 - 30-Jan-2015 -2.54 25-Feb-2015 - 25-Feb-2016

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 10.46 5.67 1.19 1.47 0.78 1.81
VR MIP TRI 10.03 6.79 0.93 1.14 -- --
Hybrid: Conservative Hybrid 9.04 6.29 0.98 1.14 0.68 1.04
Rank within category 6 15 10 8 21 11
Number of funds in category 30 30 30 30 30 30

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 31-Dec-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 32
Number of Bonds 6
Average Maturity (yrs) 4.82
Top 10 Holdings (%) 76.28
Portfolio P/B Ratio 4.17
Portfolio P/E Ratio 31.58

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 6.97% GOI 2026 GOI Securities SOV 0.00 - 32.95 31.73
up 5.63% GOI 2026 GOI Securities SOV 0.00 - 15.13 15.13
equal 6.79% GOI 15/05/2027 GOI Securities SOV 6.20 - 8.64 8.13
equal 6.10% GOI 2031 GOI Securities SOV 0.00 - 6.81 6.60
down 8.19% Rajasthan State 23/06/2026 State Development Loan SOV 4.24 - 9.31 4.24
equal 6.64% GOI 16/06/2035 GOI Securities SOV 0.00 - 2.47 2.20

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal Infosys Technology 36.53 2.76 0.73 2.66
equal ICICI Bank Financial 26.45 3.96 2.17 2.25
equal HDFC Bank Financial 23.35 3.01 1.92 2.00
equal Bajaj Finance Financial 76.73 1.82 0.00 1.34
equal Larsen & Toubro Construction 32.41 1.27 0.00 1.18
equal Reliance Industries Energy 32.63 2.71 0.00 1.07
equal Sun Pharmaceutical Industries Healthcare 32.26 1.02 0.36 0.86
equal State Bank of India Financial 16.07 0.96 0.00 0.86
equal Axis Bank Financial 22.37 1.61 0.43 0.84
equal Kei Industries Engineering 33.38 0.75 0.00 0.74
equal Tata Motors Automobile -- 0.73 0.00 0.71
equal Tata Consultancy Services Technology 38.48 0.88 0.00 0.67
equal Titan Company Consumer Durable 131.52 0.69 0.00 0.60
equal Mphasis Technology 43.76 0.57 0.00 0.57
equal DLF Construction 61.32 0.87 0.00 0.55
equal PI Industries Chemicals 51.70 0.59 0.00 0.51
equal Hindustan Unilever FMCG 64.66 1.75 0.00 0.45
equal SRF Diversified 51.10 0.64 0.00 0.44
equal Dalmia Bharat Construction 29.93 0.96 0.00 0.42
equal Voltas Consumer Durable 70.46 0.42 0.00 0.41
equal Ashok Leyland Automobile -- 0.55 0.00 0.41
equal Kajaria Ceramics Construction 53.42 0.42 0.00 0.38
equal Amber Enterprises Consumer Durable 101.45 0.38 0.00 0.37
equal SBI Life Insurance Company Insurance 101.02 0.47 0.00 0.36
equal JB Chemicals & Pharma Healthcare 28.59 0.44 0.00 0.36

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Dec-2021

Fund Manager

— Kapil Punjabi since 16-Feb-2019

Education: Mr. Kapil Punjabi is MMS from Mumbai University.

Experience: Prior to joining HSBC Asset Management (India) Pvt. Ltd., he has worked with Taurus Asset Management Co. Ltd., Edelweiss Asset Management Ltd., Edelweiss Securities Ltd. and Trans Market Group Research (India) Pvt. Ltd.

Funds Managed:

— Gautam Bhupal since 23-Jul-2019

Education: Mr. Bhupal holds a PGDBM and is a CA, CS and B.Com (Hons)

Experience: Prior to joining HSBC Mutual Fund he was working with IDFC Asset Management Company Ltd., Motilal Oswal Securities Ltd., Infosys Ltd., Vickers Ballas Securities Ltd., SBC Warburg, UTI Securities Ltd.

Funds Managed:


-0.20%

Change from previous, NAV as on 18-Jan-2022

Growth: ₹ 50.4391

IDCW Quarterly: ₹ 14.5724

IDCW Monthly: ₹ 16.8992


Investment Strategy

The scheme seeks to generate reasonable returns through investments in debt and money market instruments. It would also invest in equity and equity related instruments to seek capital appreciation, but this allocation shall not exceed 25 per cent.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 1
Min. Balance (₹) 1,000
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: HSBC Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 9.25%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 89 Cr (As on 31-Dec-2021)
Expense: 0.75% (As on 31-Dec-2021)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly27-Dec-20210.0850

 25-Nov-20210.0850
 25-Oct-20210.0800
 27-Sep-20210.0800
 25-Aug-20210.0800
 26-Jul-20210.0800
 25-Jun-20210.0800
 25-May-20210.0800
 26-Apr-20210.0800
 25-Mar-20210.0800
 25-Feb-20210.0800
 25-Jan-20210.0800
 28-Dec-20200.0800
 25-Nov-20200.0800
 26-Oct-20200.0800
 25-Sep-20200.0800
 25-Aug-20200.0800
 27-Jul-20200.0800
 25-Jun-20200.0800
 26-May-20200.0800
 27-Apr-20200.0800
 26-Mar-20200.0576
 25-Feb-20200.0648
 27-Jan-20200.0648
 26-Dec-20190.0648
IDCW Quarterly27-Dec-20210.2300

 27-Sep-20210.2100
 25-Jun-20210.2100
 25-Mar-20210.2100
 28-Dec-20200.2000
 25-Sep-20200.2000
 25-Jun-20200.2000
 25-Mar-20200.1441
 26-Dec-20190.1801
 25-Sep-20190.1801
 25-Jun-20190.1801
 25-Mar-20190.1801
 26-Dec-20180.2161
 25-Sep-20180.2161
 25-Jun-20180.1801
 26-Mar-20180.1806
 26-Dec-20170.2167
 25-Sep-20170.2167
 27-Jun-20170.2167
 27-Mar-20170.2167
 26-Dec-20160.2167
 26-Sep-20160.2022
 27-Jun-20160.2022
 28-Mar-20160.2095
 28-Dec-20150.2095

Contact Information

AMC: HSBC Global Asset Management Company (India) Private Limited

Address: 9-11th Floor, NESCO - IT Park Bldg. 3, Nesco Complex, Western Express Highway, Goregaon East, Mumbai - 400063

Phone: 022-66145000 / 66668819 / 1800-200-2434

Fax: 022-40029600

Email: [email protected]

Website: http://www.assetmanagement.hsbc.co.in

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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