Best HSBC Debt Mutual Funds

HSBC Mutual Fund was established on 27th May 2002 has an asset under management of Rs. 10621.84 crore (As of June 2018)

The asset management company believes in providing well-engineered products to its customers and they also target on developing an adequate solution base for their client.

The motto of the company is to connect customers to companies, so that their investor community may prosper. HSBC claims to work in a goal oriented format to bring about the best possible financial services to its investors. In this regard, HSBC offers a wide array of mutual funds across various categories so that may appeal to investors irrespective of their risk appetite, investment duration and even salary.

With a global presence in 26 locations, HSBC aims to bring about the best possible investment service to retail investors.

If you are saving for very short-term goals like a vacation or buying an automobile, then this category is ideal for gains within one year. It is also an excellent resort to park your money until you decide where to invest or spend next. Returns are taxed as per your income tax slab if sold before three years and have negligible tax post that period.

Purpose: Invest here for your short term goals like a vacation, buying a bike, jewelry or expensive gadget.

Top 10 Hsbc Mutual Funds

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
HSBC Cash FundDebtLow7.4%4star5,132
HSBC Flexi Debt FundDebtModerate2.2%3star154
HSBC Short Duration Fund DebtModerately Low5.4%2star929
HSBC Low Duration Fund DebtModerately Low6.8%1star416
HSBC Debt FundDebtModerate2.2%1star39
View All Top 10 Hsbc Mutual Funds

Let's have a closer look

Now let us jump and check about these top 10 mutual fund schemes.

HSBC Cash Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Liquid segment and provided 7.29% annualized returns in the last 3 years. In the last 1 year, it gave 7.38% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 7.38% returns in the last 1 year. Groww rated this fund as 4 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Kapil Punjabi

Launch Date31 Dec 2012
Min Investment Amt10,000
Groww Rating4star
AUM5,132Cr
1Y Returns7.4%

HSBC Flexi Debt Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Corporate Bond segment and provided 6.05% annualized returns in the last 3 years. In the last 1 year, it gave 2.2% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 2.2% returns in the last 1 year. Groww rated this fund as 3 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Sanjay Shah

Launch Date13 Jan 2013
Min Investment Amt10,000
Groww Rating3star
AUM154Cr
1Y Returns2.2%

HSBC Short Duration Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Short Duration segment and provided 7.41% annualized returns in the last 3 years. In the last 1 year, it gave 5.42% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 5.42% returns in the last 1 year. Groww rated this fund as 2 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Sanjay Shah, Kapil Punjabi

Launch Date2 Jan 2013
Min Investment Amt10,000
Groww Rating2star
AUM929Cr
1Y Returns5.4%

HSBC Low Duration Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Low Duration segment and provided 7.63% annualized returns in the last 3 years. In the last 1 year, it gave 6.82% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 6.82% returns in the last 1 year. Groww rated this fund as 1 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Kapil Punjabi

Launch Date18 Mar 2013
Min Investment Amt10,000
Groww Rating1star
AUM416Cr
1Y Returns6.8%

HSBC Debt Fund - Direct - Growth

Fund Performance: This fund has consistently beaten its benchmark in Medium to Long Duration segment and provided 5.71% annualized returns in the last 3 years. In the last 1 year, it gave 2.2% returns.

Why to invest: The fund has consistently beaten other funds in same category along with its benchmark and provided 2.2% returns in the last 1 year. Groww rated this fund as 1 Star. This is one of the best Debt mutual fund in India.

Fund Manager: Sanjay Shah

Launch Date6 Jan 2013
Min Investment Amt10,000
Groww Rating1star
AUM39Cr
1Y Returns2.2%

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What does investing in HSBC Debt Mutual Funds actually mean?

Suppose a mutual fund invests in ten stocks and total current market value of these stocks is 1.1 Crore. Out of this, the AMC deducts say, 0.1 Crore for operating the fund (this is known as the expense ratio). So the net value is 1 crore. Now the AMC will divide this 1 Crore into say, 10,000 parts. These parts are known as units. The cost of one unit is 1Cr/10,000 = Rs. 1000. This is known as the Net Asset Value (NAV) of the mutual fund. Suppose the AMC has set a minimum investment requirement of Rs. 500. Then if you pay Rs. 500, you will get 0.5 units of the fund. Remember that the cost of one unit is the cost when you made the purchase. Suppose after one year, the NAV has fallen to Rs. 700 per unit and you wish to exit the fund (also known as redemption), then you sell your 0.5 units back to the AMC and get 0.5 x Rs. 700 = Rs. 350 back. Yes, you invested Rs. 500 and got back Rs. 350 – a loss of 150 over a year. The point is, that you buy units at current NAV and sell units (fully or partially) at current NAV. This is what investing in mutual fund actually means.

How to invest in HSBC Mutual Funds on Groww?

One of the best ways to hedge against the small-cap volatility is to adopt a phased approach, also known as Systematic Investment Plan (SIP) approach. We are sure that you must be aware of SIP and its benefits. Buying in small quantity but buying regularly provides you with faster growth. On Groww.in, all transactions to and from AMC is done via BSE. When you decide to invest in a large cap mutual fund of your choice, you choose that mutual fund on the website and click ‘invest’. Following that, you are redirected to the BSE page where you make the payment. BSE then directs your money to the AMC managing your mutual fund. To be assured at your end, you can visit the individual AMC website after the payment. You would be able to see all your purchased units against your folio number.

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Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing.
Past performance is not indicative of future returns. Please consider your specific investment requirements, risk tolerance, investment goal, time frame, risk and reward balance and the cost associated with the investment before choosing a fund, or designing a portfolio that suits your needs.
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