MonitorDirect · GrowthWatch before adding
HSBC Medium to Long Term Fund
HSBC Mutual FundIncome/Debt Oriented Schemes - Medium to Long Term Fund13.8 years
- NAV
- 48.6176
- 29 Oct 2026
- 1Y
- +2.2%
- Trailing CAGR
- AUM
- ₹48.16 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.3% 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 · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer LIC MF Medium to Long Term 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
0.63% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -8.8%. Ask whether you can hold through a similar fall.
Vs category
Fail
1% 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 ≈ 74.1% 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.
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+2.2%
- 3Y+6.4%
- 5Y+5.2%
- 10Y+5.8%
- SI+6.6%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.2%
- 3Y+4.6%
- 5Y+5.5%
- 10Y+5.7%
- Since inception
- +6.6%
- Calendar-day CAGR
- Excess 1Y
- -0.4%
- Category median, same plan and option
- 3Y win rate
- +1%
- Windows beating the median
- 3Y percentile
- 36
- Vs comparable share classes
- SIP 3Y XIRR
- +4.6%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.1%
- 2615 daily-ending windows
- Median rolling 3Y
- +6.8%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2133 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -8.8%
- Worst peak-to-trough
- Current
- -1.3%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +78%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 10 days
- 235 recovered episodes
- Longest recovery
- 275 days
- Trough to prior peak
28 May 2013 – 21 May 2014
Trough 19 Aug 2013 · recovered in 275 days
-8.8%
24 Nov 2016 – 14 Jun 2017
Trough 10 Mar 2017 · recovered in 96 days
-4.0%
3 Aug 2017 – 5 Apr 2018
Trough 22 Feb 2018 · recovered in 42 days
-3.4%
5 Jan 2021 – 12 Aug 2021
Trough 12 Mar 2021 · recovered in 153 days
-3.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
36
Vs category
47
Consistency
12
Risk-adjusted
37
Drawdown
78
Mean
42
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
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 18 holdings · top 10 are 74.1%.
- Top 5
- 49.6%
- Top 10
- 74.1%
- Largest holding
- 19.4%
- Effective holdings
- 12.1
Repo
Unspecified
19.4%
Net Current Assets
Unspecified
8.2%
INDIAN BANK CD 05FEB27
Financial
8.1%
7.71% GOI 18-May-2066
Entities
7.5%
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR IV 7.04 BD 09FB29 FVRS1LAC
Financial
6.4%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
LIC MF Medium to Long Term Fund
LIC Mutual Fund
- 1Y
- +3.4%
- 3Y
- +7.3%
- Vol
- 2.7%
- Max DD
- -6.2%
- Sharpe
- 0.42
- 3Y win
- +22%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
SBI MEDIUM TO LONG TERM FUND
SBI Mutual Fund
- 1Y
- +3.0%
- 3Y
- +6.5%
- Vol
- 3.0%
- Max DD
- -8.5%
- Sharpe
- 0.63
- 3Y win
- +88%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher TER
Franklin India Medium to Long Term Fund
Franklin Templeton Mutual Fund
- 1Y
- +3.1%
- 3Y
- n/a
- Vol
- 1.9%
- Max DD
- -1.8%
- Sharpe
- -0.15
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
ICICI Prudential Medium to Long Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +2.5%
- 3Y
- +6.6%
- Vol
- 3.1%
- Max DD
- -10.2%
- Sharpe
- 0.60
- 3Y win
- +89%
- Lower volatility
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Deeper drawdown
Bandhan Medium to Long Term Fund
Bandhan Mutual Fund
- 1Y
- +5.1%
- 3Y
- +6.8%
- Vol
- 3.6%
- Max DD
- -6.9%
- Sharpe
- 0.47
- 3Y win
- +55%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Higher TER