MonitorDirect · GrowthWatch before adding
HSBC Conservative Hybrid Fund
HSBC Mutual FundHybrid Schemes - Conservative Hybrid Fund13.8 years
- NAV
- 70.2511
- 29 Oct 2026
- 1Y
- +0.4%
- Trailing CAGR
- AUM
- ₹151.68 Cr
- 30 Sept 2026
- Volatility
- Low
- 4.9% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Three-year return is above the category median.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer ICICI Prudential Conservative Hybrid Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
1.19% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -10.4%. Ask whether you can hold through a similar fall.
Vs category
Fail
38% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 56.8% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
Drawdown rehearsal
This scheme’s worst fall on file is about 10%. Before you SIP, ask whether you would keep contributing through a similar drop - pausing on fear is the usual India MF failure mode.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+0.4%
- 3Y+8.6%
- 5Y+7.2%
- 10Y+7.7%
- SI+8.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.6%
- 3Y+4.7%
- 5Y+7.1%
- 10Y+8.0%
- Since inception
- +8.5%
- Calendar-day CAGR
- Excess 1Y
- -0.3%
- Category median, same plan and option
- 3Y win rate
- +38%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +4.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +2.7%
- 2614 daily-ending windows
- Median rolling 3Y
- +9.1%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2130 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -10.4%
- Worst peak-to-trough
- Current
- -3.0%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +80%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 9 days
- 224 recovered episodes
- Longest recovery
- 131 days
- Trough to prior peak
14 Feb 2020 – 1 Jul 2020
Trough 23 Mar 2020 · recovered in 100 days
-10.4%
28 May 2013 – 6 Jan 2014
Trough 28 Aug 2013 · recovered in 131 days
-8.1%
16 Dec 2024 – 13 May 2025
Trough 3 Mar 2025 · recovered in 71 days
-6.1%
14 Jan 2022 – 17 Aug 2022
Trough 16 Jun 2022 · recovered in 62 days
-5.8%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
48
Consistency
36
Risk-adjusted
53
Drawdown
74
Mean
62
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
No status reasons yet. History is still thin.
Supporting reads
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 47 holdings · top 10 are 56.8%.
- Top 5
- 39.2%
- Top 10
- 56.8%
- Largest holding
- 10.0%
- Effective holdings
- 20.8
Maharashtra State SDL 7.72 23/03/2032
Unspecified
10.0%
Repo
Unspecified
9.3%
REC LIMITED SR 245A 7.44 BD 29FB28 FVRS1LAC
Financial
6.9%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC
Financial
6.6%
6.53% GOI 07-Sep-2031
Entities
6.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Conservative Hybrid Fund
ICICI Prudential Mutual Fund
- 1Y
- +0.9%
- 3Y
- +8.5%
- Vol
- 4.2%
- Max DD
- -8.8%
- Sharpe
- 0.98
- 3Y win
- +86%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
Kotak Conservative Hybrid Fund
Kotak Mahindra Mutual Fund
- 1Y
- -0.1%
- 3Y
- +8.3%
- Vol
- 4.8%
- Max DD
- -11.8%
- Sharpe
- 0.87
- 3Y win
- +95%
- Lower volatility
- Higher win rate vs category
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns
Axis Conservative Hybrid Fund
Axis Mutual Fund
- 1Y
- -0.4%
- 3Y
- +6.5%
- Vol
- 4.3%
- Max DD
- -9.4%
- Sharpe
- 0.58
- 3Y win
- +19%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
BARODA BNP PARIBAS CONSERVATIVE HYBRID FUND
Baroda BNP Paribas Mutual Fund
- 1Y
- +2.5%
- 3Y
- +8.2%
- Vol
- 3.6%
- Max DD
- -4.5%
- Sharpe
- 0.57
- 3Y win
- +27%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Canara Robeco Conservative Hybrid Fund
Canara Robeco Mutual Fund
- 1Y
- +0.6%
- 3Y
- +7.5%
- Vol
- 4.3%
- Max DD
- -10.2%
- Sharpe
- 0.77
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns