ReviewPlan n/a · Option n/aPrefer peers first
HSBC Fixed Term Series 130 (1204 days plan)
- NAV
- 12.4433
- 8 Apr 2021
- 1Y
- +5.2%
- Trailing CAGR
- AUM
- ₹1.35 Cr
- 30 Jun 2021
- Volatility
- Low
- 1.2% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 8 Apr 2021
Stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
In three lines
Watch if · Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
Watch if · Three-year return sits below the 25th percentile of comparable share classes.
Prefer peers if · Prefer DSP FMP Series - 267 - 1172 Days if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
8.8 years of path to read.
Engine status
Fail
The live read flags issues. Inspect same-category alternatives before buying.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -1.5%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% 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
n/a
Holdings weights not on file for this scheme yet.
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.
SIP discipline
Review does not mean stop the SIP tomorrow - compare peers first. Stopping on a red label often locks in the worst path.
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+5.2%
- 3Y+6.8%
- 5Yn/a
- 10Yn/a
- SI+6.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.8%
- 3Y+6.6%
- 5Yn/a
- 10Yn/a
- Since inception
- +6.9%
- Calendar-day CAGR
- Excess 1Y
- -1.9%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 12
- Vs comparable share classes
- SIP 3Y XIRR
- +6.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +6.8%
- 68 daily-ending windows
- Median rolling 3Y
- +7.2%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -1.5%
- Worst peak-to-trough
- Current
- -0.0%
- Below last peak
- Current spell
- 1 days
- Days below latest peak
- Time below peak
- +33%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 5 days
- 54 recovered episodes
- Longest recovery
- 57 days
- Trough to prior peak
9 Apr 2018 – 13 Jul 2018
Trough 17 May 2018 · recovered in 57 days
-1.5%
9 Mar 2020 – 30 Mar 2020
Trough 24 Mar 2020 · recovered in 6 days
-1.3%
29 Aug 2018 – 5 Oct 2018
Trough 25 Sept 2018 · recovered in 10 days
-0.6%
29 Jan 2018 – 8 Feb 2018
Trough 1 Feb 2018 · recovered in 7 days
-0.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
12
Vs category
38
Consistency
2
Risk-adjusted
68
Drawdown
96
Mean
43
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Review
Buying stance
Prefer peers first
The live read flags issues. Inspect same-category alternatives before buying.
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Three-year return sits below the 25th percentile of comparable share classes.
- AUM fell by 30% or more versus the prior observation.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
8 Apr 2021
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
DSP FMP Series - 267 - 1172 Days
DSP Mutual Fund
- 1Y
- +6.1%
- 3Y
- +7.1%
- Vol
- 0.9%
- Max DD
- -0.5%
- Sharpe
- 1.43
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
ICICI Prudential Fixed Maturity Plan - Series 80 - 1125 Days Plan S
ICICI Prudential Mutual Fund
- 1Y
- +8.4%
- 3Y
- +8.0%
- Vol
- 0.8%
- Max DD
- -0.3%
- Sharpe
- 2.60
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
ICICI Prudential Fixed Maturity Plan - Series 80 - 1150 Days Plan N
ICICI Prudential Mutual Fund
- 1Y
- +8.4%
- 3Y
- +7.9%
- Vol
- 0.8%
- Max DD
- -0.4%
- Sharpe
- 2.83
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
ICICI Prudential Fixed Maturity Plan - Series 81 - 1116 Days Plan I
ICICI Prudential Mutual Fund
- 1Y
- +8.0%
- 3Y
- +7.6%
- Vol
- 0.9%
- Max DD
- -0.6%
- Sharpe
- 2.08
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
ICICI Prudential Fixed Maturity Plan-Series 72-366 Days Plan T
ICICI Prudential Mutual Fund
- 1Y
- +5.9%
- 3Y
- +7.0%
- Vol
- 0.4%
- Max DD
- -0.1%
- Sharpe
- 4.27
- 3Y win
- +24%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns