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HSBC Low Duration Fund - Regular Plan download report

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Debt: Low Duration

Analysts' Choiceunlock it

1 Lakh

Investment Grown to
₹ 1.02 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.21 Lakh

Suitability:

"Low Duration debt funds invest in bonds maturing in six months to a year. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Retail investors can avoid these funds altogether. Here's why. Debt funds are very finely classified depending upon the maturity of the bonds they invest in. For instance, there's a different category of funds that invests in bonds of up to three months maturity, from the one that invests in bonds maturing in three to six months, and so on. We believe that such a nuanced classification adds little value to retail investors. They can avoid this complexity and simply invest the money they don't need for up to a year in a Liquid fund."

Taxability of earnings:

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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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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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
HSBC Low Duration Regular-G 0.47 0.02 0.10 -0.35 -0.01 0.71 2.13 0.09 2.55 3.87 5.21
CCIL T Bill Liquidity Weight 0.65 0.03 0.06 0.00 0.31 0.86 1.95 2.76 3.33 3.73 4.28
Debt: Low Duration 0.96 0.01 0.11 -0.15 0.43 1.22 3.58 4.42 5.47 6.22 7.11

As on 27-May-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
HSBC Low Duration Fund - Regular Plan  | Invest Online
Unrated
 Oct-06 2.13 0.09 2.55 0.67% 262
ICICI Prudential Savings Fund  | Invest Now
5 star
 Sep-02 3.29 6.06 6.60 0.52% 23,330
HDFC Low Duration Fund  | Invest Online
4 star
 Nov-99 3.18 5.75 6.15 1.04% 17,920
Aditya Birla Sun Life Low Duration Fund  | Invest Online
4 star
 May-98 3.21 5.66 6.24 1.21% 14,540
Nippon India Low Duration Fund  | Invest Online
4 star
 Mar-07 3.30 5.21 6.10 1.02% 9,632

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 7.91 30-Jun-2020 - 07-Jul-2020 -9.57 04-May-2020 - 11-May-2020
Month 9.01 08-Jun-2020 - 08-Jul-2020 -9.05 08-Apr-2020 - 08-May-2020
Quarter 10.46 11-May-2020 - 10-Aug-2020 -9.00 10-Feb-2020 - 11-May-2020
Year 13.50 11-May-2020 - 11-May-2021 -13.25 10-May-2019 - 11-May-2020

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
HSBC Low Duration Regular-G 0.80 8.86 -0.31 -0.16 -2.03 -4.09
CCIL T Bill Liquidity Weight 2.86 0.36 -1.85 -5.13 -- --
Debt: Low Duration 4.66 3.14 1.18 2.84 -0.09 1.07

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

As on 30-Apr-2022

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 13 17 12 56
Modified Duration (yrs) 0.74 0.96 0.55 0.60
Average Maturity (yrs) 0.77 0.99 0.59 0.86
Yield to Maturity (%) 4.99 4.99 3.92 4.89
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 8.80% Power Grid Corporation 13/03/2023 Bonds AAA 0.00 - 11.88 10.62
new 7.45% REC 30/11/2022 Non Convertible Debenture AAA 0.00 - 9.68 9.68
new Reserve Bank of India 182-D 15/09/2022 Treasury Bills SOV 0.00 - 9.39 9.39
equal National Bank Agr. Rur. Devp 14/02/2023 Commercial Paper A1+ 0.00 - 10.20 9.18
equal HDFC Bank 2023 Certificate of Deposit A1+ 0.00 - 10.20 9.18
equal SIDBI 14/02/2023 Certificate of Deposit A1+ 0.00 - 10.20 9.18
new Axis Bank 2023 Certificate of Deposit A1+ 0.00 - 7.32 7.32
equal 5.75% Bajaj Finance 16/02/2024 Debenture AAA 0.00 - 6.36 5.68
equal 4.98% LIC Housing Fin. 2024 Debenture AAA 0.00 - 6.29 5.62
equal 7.57% HDB Financial Services 16/02/2023 Non Convertible Debenture AAA 0.00 - 4.58 3.88
equal 7.45% LIC Housing Fin. 2023 Non Convertible Debenture AAA 0.00 - 4.33 3.88
equal 4.66% Bajaj Finance 2022 Debenture AAA 2.97 - 4.66 3.81
equal 7.68% L&T Finance 2023 Debenture AAA 0.00 - 2.29 1.94

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-Apr-2022

Fund Manager

— Kapil Punjabi since 18-Oct-2014

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:

0.02%

Change from previous, NAV as on 27-May-2022

Growth: ₹ 23.8865

IDCW Weekly: ₹ 9.9710

IDCW Daily: ₹ 9.9619

Investment Strategy

The scheme seeks to provide liquidity and reasonable returns by investing primarily in a mix of debt and money market instruments such that the Macaulay duration of the portfolio is between 6 months to 12 months.

Investment Details

Min. Investment (₹) 10,000
Min. Addl Investment (₹) --
Min. SIP Investment (₹) 1,000
Min. No of Cheques 12
Min. Withdrawal (₹) 1,000
Min. Balance (₹) --
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: HSBC Mutual Fund
Launch Date: 17-Oct-2006
Return Since Launch: 5.73%
Benchmark: CRISIL Low Duration Fund BI Index
Riskometer: Low to Moderate
Type: Open-ended
Assets: ₹ 262 Cr (As on 30-Apr-2022)
Expense: 0.67% (As on 31-Mar-2022)
Risk Grade: --
Return Grade: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Weekly26-Apr-20220.0053

 19-Apr-20220.0058
 22-Mar-20220.0083
 15-Mar-20220.0121
 02-Mar-20220.0032
 22-Feb-20220.0015
 15-Feb-20220.0176
 08-Feb-20220.0011
 28-May-20190.0168
 21-May-20190.0116
 14-May-20190.0071
 07-May-20190.0081
 30-Apr-20190.0029
 23-Apr-20190.0035
 16-Apr-20190.0048
 09-Apr-20190.0001
 02-Apr-20190.0291
 26-Mar-20190.0041
 19-Mar-20190.0186
 12-Mar-20190.0174
 05-Mar-20190.0097
 26-Feb-20190.0062
 20-Feb-20190.0116
 12-Feb-20190.0108
 29-Jan-20190.0085
IDCW Daily07-Apr-20220.0016

 06-Apr-20220.0011
 04-Apr-20220.0037
 31-Mar-20220.0054
 30-Mar-20220.0024
 29-Mar-20220.0008
 28-Mar-20220.0019
 25-Mar-20220.0016
 24-Mar-20220.0024
 23-Mar-20220.0026
 22-Mar-20220.0004
 21-Mar-20220.0037
 17-Mar-20220.0010
 16-Mar-20220.0033
 15-Mar-20220.0046
 14-Mar-20220.0039
 02-Mar-20220.0005
 28-Feb-20220.0000
 25-Feb-20220.0015
 24-Feb-20220.0002
 23-Feb-20220.0002
 21-Feb-20220.0027
 17-Feb-20220.0007
 16-Feb-20220.0006
 03-Jun-20190.0085

Contact Information

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

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

Fax: 022-40029600

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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