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3 star

HSBC Regular Savings Fund - Direct Plan


Hybrid: Conservative Hybrid

1 Lakh

Investment Grown to
₹ 1.17 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.02 Lakh

Suitability:

When you invest for three years or above, you can expect gains that beat the inflation rate and are also slightly higher than fixed income options. But be prepared for some ups and downs in your investment value along the way.

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds and commodities. Given their underlying investments, these funds offer a viable alternative to regular income seekers. To derive dependable, inflation-protected income, 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% of the value of your investment every year.

Warning: Do not invest in this, or any other aggressive hybrid fund, if you need to redeem your investment in less than three years.

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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT).Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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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 3.68 0.11 0.89 3.04 7.92 3.19 7.56 5.33 7.17 8.90 --
VR MIP TRI -0.09 -0.04 0.75 2.53 7.50 -0.44 3.22 6.29 7.22 8.42 --
Hybrid: Conservative Hybrid 0.34 0.07 0.97 2.97 6.51 -0.12 3.82 4.55 6.95 8.85 --
Rank within category 12 11 20 15 17 12 12 21 15 15 --
Number of funds in category 39 39 39 39 39 39 38 36 33 29 0

As on 10-Jul-2020

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 7.56 5.33 7.17 0.55 85
ICICI Prudential Regular Savings Fund - Direct Plan  | Invest Now
5 star
Jan-13 7.77 7.36 9.51 1.39 1,597
HDFC Hybrid Debt Fund - Direct Plan  | Invest Online
2 star
Jan-13 2.43 3.39 6.89 1.41 2,344
UTI Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 0.86 3.40 6.29 1.11 1,673
Aditya Birla Sun Life Regular Savings Fund - Direct Plan  | Invest Online
2 star
Jan-13 -0.26 2.18 6.82 1.12 1,198

Best & Worst Performance

Best (Period) Worst (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 5.05 5.74 -0.04 -0.05 0.78 -0.85
VR MIP TRI 6.06 6.50 0.12 0.13 -- --
Hybrid: Conservative Hybrid 4.43 7.02 -0.05 0.01 0.84 -1.51
Rank within category 20 17 20 20 20 20
Number of funds in category 36 36 36 36 36 36

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

As on 30-Jun-2020

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 32
Number of Bonds 12
Average Maturity (yrs) 4.45
Top 10 Holdings (%) 72.89
Portfolio P/B Ratio 2.98
Portfolio P/E Ratio 25.16

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
up 6.79% GOI 15/05/2027 GOI Securities SOV 0.00 - 23.76 23.76
equal 7.72% GOI 25/05/2025 Central Government Loan SOV 0.00 - 21.21 16.83
new 7.32% GOI 28/01/2024 GOI Securities SOV 0.00 - 15.58 6.35
new 7.20% Larsen & Toubro 20/04/2023 Debenture AAA 0.00 - 7.82 6.11
equal 6.60% REC 21/03/2022 Debenture AAA 0.00 - 6.00 6.00
equal 7.85% Tata Sons 31/01/2021 Privately Placed Debts AAA 2.27 - 2.97 2.97
equal 7.64% Can Fin Homes 28/02/2021 Debenture AA+ 2.07 - 2.74 2.74
equal 7.59% GOI 2026 GOI Securities SOV 0.00 - 5.33 2.32
equal 7.26% GOI 14/01/2029 GOI Securities SOV 0.00 - 10.05 2.15
equal 8.80% IDFC First Bank 23/03/2021 Debenture AA+ 0.00 - 1.18 1.18
equal India Infoline Finance 30/04/2021 Debenture AA 0.79 - 1.11 1.11
equal IIFL Home Finance 30/04/2021 Debenture AA 0.78 - 1.11 1.11

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
down ICICI Bank Financial 23.93 3.96 1.75 3.01
equal HDFC Bank Financial 21.76 3.01 1.92 2.70
equal Reliance Industries Energy 33.24 2.42 0.00 2.42
equal Hindustan Unilever FMCG 78.80 1.70 0.00 1.70
equal Infosys Technology 20.45 1.38 0.51 1.38
equal Bharti Airtel Communication -- 1.19 0.00 1.18
equal Kotak Mahindra Bank Financial 30.75 1.15 0.00 1.05
down Larsen & Toubro Construction 13.65 1.27 0.00 0.72
equal Maruti Suzuki India Automobile 31.89 1.42 0.66 0.70
equal Sun Pharmaceutical Inds. Healthcare 31.84 1.02 0.36 0.68
equal MRF Automobile 19.28 1.01 0.32 0.67
equal Bajaj Finance Financial 37.01 0.58 0.00 0.58
equal Ipca Laboratories Healthcare 34.22 0.57 0.00 0.57
equal ACC Construction 18.66 1.16 0.00 0.56
equal SRF Diversified 21.67 0.53 0.00 0.53
equal Kei Industries Engineering 13.54 0.59 0.00 0.49
equal Torrent Pharmaceuticals Healthcare 38.97 1.13 0.00 0.47
equal Axis Bank Financial 67.06 1.61 0.00 0.45
equal Adani Ports and Special Economic Zone Services 17.93 0.42 0.00 0.42
equal ITC FMCG 15.86 1.46 0.00 0.40
equal DLF Construction -- 0.84 0.00 0.40
equal HCL Technologies Technology 14.79 0.36 0.00 0.36
equal Atul Chemicals 20.51 0.35 0.00 0.35
equal Hero Motocorp Automobile 14.76 0.30 0.00 0.30
equal Dalmia Bharat Construction 961.07 0.97 0.00 0.30

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 30-Jun-2020

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 UTI AMC as an Equity Research Analyst from May 2004 till June 2008. He has over 11 years of experience in areas of Research and Fund Management.

Funds Managed:


0.07%

Change from previous, NAV as on 13-Jul-2020

Growth: ₹ 41.8149

Dividend Quarterly: ₹ 13.3086

Dividend Monthly: ₹ 15.4379


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

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 1,000
Minimum Balance (₹) 1,000
Exit Load 1% for redemption within 365 days

Basic Details

Fund House: HSBC Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 8.47%
Benchmark: CRISIL Hybrid 85+15 Conservative
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 85 Cr (As on 30-Jun-2020)
Expense: 0.55% (As on 30-Jun-2020)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Monthly25-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
 25-Nov-20190.0648
 25-Oct-20190.0648
 25-Sep-20190.0648
 26-Aug-20190.0648
 25-Jul-20190.0792
 25-Jun-20190.0792
 27-May-20190.0792
 25-Apr-20190.0792
 25-Mar-20190.0792
 25-Feb-20190.0792
 25-Jan-20190.0792
 26-Dec-20180.0792
 26-Nov-20180.0792
 25-Oct-20180.0792
 25-Sep-20180.0792
 27-Aug-20180.0720
 25-Jul-20180.0720
 25-Jun-20180.0720
Dividend Quarterly25-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
 28-Sep-20150.1950
 25-Jun-20150.2095
 25-Mar-20150.2105
 26-Dec-20140.1633
 25-Sep-20140.1753
 25-Jun-20140.1753

Contact Information

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

Address: The Hongkong and Shanghai Banking Corp. Ltd. 16, V. N. Road, Fort, Mumbai - 400001

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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