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3 star

HSBC Regular Savings Fund


1 Lakh

Investment Grown to
₹ 1.36 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.28 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 8.89 0.21 0.83 1.77 5.34 9.28 14.59 10.66 7.36 8.15 9.22
VR MIP TRI 12.22 0.41 1.09 1.93 6.71 11.14 19.55 12.08 9.89 9.47 9.88
Hybrid: Conservative Hybrid 10.45 0.20 0.68 1.55 4.52 8.85 16.17 9.36 7.34 8.28 9.06
Rank within category 22 17 12 12 9 12 17 9 16 15 11
Number of funds in category 33 36 36 36 36 35 33 30 30 28 26

As on 14-Oct-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 14.59 10.66 7.36 2.27 86
SBI Debt Hybrid Fund  | Invest Online
4 star
Mar-01 21.56 12.75 8.54 1.10 4,122
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 14.62 11.28 9.56 1.72 3,380
HDFC Hybrid Debt Fund  | Invest Online
4 star
Dec-03 23.27 11.76 8.39 1.87 2,661
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
Dec-03 21.75 14.20 9.52 1.95 1,050

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 9.81 5.66 1.04 1.23 0.77 0.53
VR MIP TRI 10.89 6.85 1.01 1.24 -- --
Hybrid: Conservative Hybrid 8.72 6.31 0.88 1.01 0.68 0.08
Rank within category 10 15 13 9 19 13
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-Sep-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 32
Number of Bonds 6
Average Maturity (yrs) * 5.78
Top 10 Holdings (%) 80.34
Portfolio P/B Ratio 4.45
Portfolio P/E Ratio 34.91

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 6.97% GOI 2026 GOI Securities SOV 0.00 - 32.95 32.95
equal 5.63% GOI 2026 GOI Securities SOV 0.00 - 11.60 11.60
equal 8.19% Rajasthan State 23/06/2026 State Development Loan SOV 8.73 - 9.39 8.82
equal 6.79% GOI 15/05/2027 GOI Securities SOV 6.20 - 9.14 8.46
equal 6.68% GOI 17/09/2031 GOI Securities SOV 0.00 - 7.54 7.14
equal 6.64% GOI 16/06/2035 GOI Securities SOV 0.00 - 2.47 2.31

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 25.20 3.96 2.20 2.61
down Infosys Technology 34.54 2.76 0.73 2.54
down HDFC Bank Financial 28.44 3.01 1.92 2.22
down Bajaj Finance Financial 106.37 1.82 0.00 1.69
equal Reliance Industries Energy 37.90 2.71 0.00 1.17
equal Larsen & Toubro Construction 20.18 1.27 0.00 1.09
equal Tata Consultancy Services Technology 36.52 0.88 0.00 0.88
equal DLF Construction 71.71 0.87 0.00 0.87
down Sun Pharmaceutical Industries Healthcare 33.64 1.02 0.36 0.86
equal Axis Bank Financial 29.10 1.61 0.43 0.85
equal Kei Industries Engineering 27.88 0.75 0.00 0.75
equal Titan Company Consumer Durable 177.22 0.63 0.00 0.63
equal Hindustan Unilever FMCG 75.95 1.75 0.00 0.63
equal Shree Cement Construction 39.06 0.63 0.00 0.59
equal PI Industries Chemicals 64.41 0.59 0.00 0.55
equal Tata Motors Automobile -- 0.57 0.00 0.54
equal Mphasis Technology 47.75 0.54 0.00 0.54
equal State Bank of India Financial 17.50 0.53 0.00 0.53
down SRF Diversified 50.45 0.64 0.00 0.52
down Ashok Leyland Automobile -- 0.55 0.00 0.47
equal JB Chemicals & Pharma Healthcare 31.29 0.44 0.00 0.44
equal Voltas Consumer Durable 77.64 0.42 0.00 0.42
equal Kajaria Ceramics Construction 54.89 0.42 0.00 0.42
equal Amber Enterprises Consumer Durable 105.75 0.38 0.00 0.38
equal SBI Life Insurance Company Insurance 91.92 0.47 0.00 0.38

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-Sep-2021

*As on 31-Aug-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:


0.21%

Change from previous, NAV as on 14-Oct-2021

Growth: ₹ 46.5814

IDCW Quarterly: ₹ 16.9162

IDCW Monthly: ₹ 13.2588


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 1% for redemption within 365 days

Basic Details

Fund House: HSBC Mutual Fund
Launch Date: 24-Feb-2004
Return Since Launch: 9.11%
Benchmark: CRISIL Hybrid 85+15 Conservative Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 86 Cr (As on 30-Sep-2021)
Expense: 2.27% (As on 31-Aug-2021)
Risk Grade: Average
Return Grade: Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly27-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
 25-Oct-20190.0504
 25-Sep-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

Last Session

Investors' Hangout

Webinar: All about MF Central

DateThursday, 14-Oct-2021
Time12:30 PM - 01:00 PM

Registration Over