VR Logo

3 star

HSBC Regular Savings Fund


1 Lakh

Investment Grown to
₹ 1.31 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.17 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.

Read more

ajax-loader
Please wait...

ajax-loader
Please wait...

(₹)
cal
cal

ajax-loader
Please wait...

Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 7.69 -0.14 0.28 -0.44 0.64 4.79 9.98 9.35 7.00 7.18 9.06
VR MIP TRI 10.44 -0.46 0.39 -1.10 0.55 5.28 13.12 10.42 9.54 8.53 9.63
Hybrid: Conservative Hybrid 9.93 -0.16 0.25 -0.10 1.40 5.13 11.78 8.45 7.11 7.51 8.97
Rank within category 22 17 13 24 23 17 19 11 17 18 11
Number of funds in category 33 36 36 36 36 36 33 30 30 28 27

As on 03-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
HSBC Regular Savings Fund  | Invest Online
3 star
Feb-04 9.98 9.35 7.00 2.22% 86
SBI Debt Hybrid Fund  | Invest Online
4 star
Mar-01 15.88 12.18 8.35 1.10% 4,369
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 10.97 10.37 9.38 1.73% 3,384
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
Dec-03 15.32 13.10 9.39 1.90% 1,160
Canara Robeco Conservative Hybrid Fund - Regular Plan  | Invest Online
5 star
Apr-01 11.39 11.53 8.85 1.87% 959

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 4.07 13-May-2009 - 20-May-2009 -5.43 11-Mar-2020 - 18-Mar-2020
Month 8.59 18-Nov-2008 - 18-Dec-2008 -10.51 20-Feb-2020 - 23-Mar-2020
Quarter 12.62 12-Mar-2009 - 11-Jun-2009 -8.74 23-Dec-2019 - 23-Mar-2020
Year 28.15 25-Nov-2008 - 25-Nov-2009 -7.96 30-Oct-2007 - 29-Oct-2008

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 9.05 5.67 0.93 1.13 0.78 0.38
VR MIP TRI 10.03 6.79 0.92 1.13 -- --
Hybrid: Conservative Hybrid 8.30 6.29 0.83 0.97 0.68 0.29
Rank within category 11 15 13 12 21 16
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 30-Nov-2021

Asset Allocation (%)

ajax-loader
Please wait...

Concentration & Valuation

Number of Stocks 32
Number of Bonds 6
Average Maturity (yrs) 5.21
Top 10 Holdings (%) 79.08
Portfolio P/B Ratio 4.23
Portfolio P/E Ratio 33.33

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

ajax-loader
Please wait...

Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 6.97% GOI 2026 GOI Securities SOV 0.00 - 32.95 32.76
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 11.60 11.54
equal 8.19% Rajasthan State 23/06/2026 State Development Loan SOV 8.71 - 9.31 8.71
equal 6.79% GOI 15/05/2027 GOI Securities SOV 6.20 - 8.64 8.39
new 6.10% GOI 2031 GOI Securities SOV 0.00 - 6.81 6.81
equal 6.64% GOI 16/06/2035 GOI Securities SOV 0.00 - 2.47 2.28

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

ajax-loader
Please wait...

Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
down ICICI Bank Financial 23.44 3.96 2.20 2.51
down Infosys Technology 34.93 2.76 0.73 2.42
equal HDFC Bank Financial 24.50 3.01 1.92 2.20
down Bajaj Finance Financial 85.76 1.82 0.00 1.46
equal Reliance Industries Energy 31.17 2.71 0.00 1.18
equal Larsen & Toubro Construction 28.92 1.27 0.00 1.13
up State Bank of India Financial 14.74 0.96 0.00 0.96
up Axis Bank Financial 20.63 1.61 0.43 0.95
equal Sun Pharmaceutical Industries Healthcare 29.00 1.02 0.36 0.83
down Tata Motors Automobile -- 0.73 0.00 0.73
down Tata Consultancy Services Technology 36.81 0.88 0.00 0.71
down Kei Industries Engineering 32.42 0.75 0.00 0.69
equal Titan Company Consumer Durable 120.35 0.69 0.00 0.69
down DLF Construction 57.87 0.87 0.00 0.69
equal Mphasis Technology 43.70 0.56 0.00 0.56
equal Hindustan Unilever FMCG 65.71 1.75 0.00 0.55
equal PI Industries Chemicals 55.38 0.59 0.00 0.52
equal Ashok Leyland Automobile -- 0.55 0.00 0.50
new Dalmia Bharat Construction 28.10 0.97 0.00 0.47
equal Kajaria Ceramics Construction 44.09 0.42 0.00 0.42
equal Voltas Consumer Durable 69.60 0.42 0.00 0.42
up SRF Diversified 41.64 0.64 0.00 0.39
equal Amber Enterprises Consumer Durable 89.80 0.38 0.00 0.38
equal SBI Life Insurance Company Insurance 94.36 0.47 0.00 0.36
down JB Chemicals & Pharma Healthcare 26.37 0.44 0.00 0.35

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-Oct-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:


-0.14%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 46.0665

IDCW Quarterly: ₹ 16.7292

IDCW Monthly: ₹ 12.9876


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
Minimum Balance (₹) 1,000
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: HSBC Mutual Fund
Launch Date: 24-Feb-2004
Return Since Launch: 8.97%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 86 Cr (As on 31-Oct-2021)
Expense: 2.22% (As on 31-Oct-2021)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly25-Nov-20210.0650

 25-Oct-20210.0600
 27-Sep-20210.0600
 25-Aug-20210.0600
 26-Jul-20210.0600
 25-Jun-20210.0600
 25-May-20210.0600
 26-Apr-20210.0600
 25-Mar-20210.0600
 25-Feb-20210.0600
 25-Jan-20210.0600
 28-Dec-20200.0600
 25-Nov-20200.0600
 26-Oct-20200.0600
 25-Sep-20200.0600
 25-Aug-20200.0600
 27-Jul-20200.0600
 25-Jun-20200.0600
 26-May-20200.0600
 27-Apr-20200.0600
 26-Mar-20200.0432
 25-Feb-20200.0504
 27-Jan-20200.0504
 26-Dec-20190.0504
 25-Nov-20190.0504
IDCW Quarterly26-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-20160.2022
 28-Dec-20150.2022
 28-Sep-20150.1950
 25-Jun-20150.2095
 25-Mar-20150.2032
 26-Dec-20140.1633
 25-Sep-20140.1753
 25-Jun-20140.1753
 14-Mar-20140.1559
 13-Dec-20130.1559
 13-Sep-20130.1559
 14-Jun-20130.1714
 15-Mar-20130.1762
 14-Dec-20120.1762
 14-Sep-20120.1762
 15-Jun-20120.1762
 16-Mar-20120.1586

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

Upcoming Video

Investors' Hangout

Stocks or Equity Funds for the long term?

DateFriday, 10-Dec-2021
Time12:30 PM - 01:00 PM

attending You have reserved a spot