HSBC Dynamic Term Fund - Regular Plan - Monthly IDCW
Dynamic Bond Funds move across short and long durations depending on the fund manager's view of interest rates.
- Current NAV₹10.5559
- Fund Size (AUM)—
- Expense Ratio—
- 1Y Return-1.03%
- 3Y Return (CAGR)-0.22%
- 5Y Return (CAGR)—
- Category Rank (3Y)—
- Riskometer—
- Min. SIP / Lump sum—
More figures (11)
- Since Launch (CAGR)-0.33%
- Benchmark—
- Volatility (3Y)3.65 %
- Sharpe Ratio (3Y)-1.84
- Beta (3Y)—
- 52-week High / Low₹10.8612 / ₹10.5454
- Max Drawdown-4.7 %
- Launched28 Nov 2022
- Lock-in—
- Portfolio Turnover—
- Fund Managers—
Performance chart
Past performance may or may not be sustained in future.
Quick take
- Over 3 years it returned -0.2% a year.
- Volatility over 3 years was 3.7% a year, with a Sharpe ratio of -1.84.
- Its biggest fall from a peak was 4.7% (24 Apr 2025 to 26 Aug 2025).
- Across all 3-year periods since launch, yearly returns ranged from -0.5% to 0.5% and were positive 19% of the time.
Pros
AINo standout strengths in its record so far.
Cons
AI- Returns were negative in 81% of all 3-year periods since launch.
Pros and cons are generated automatically from the scheme's published figures. They are observations about past data, not a recommendation to invest, switch or redeem.
AI analysis
Plenitude AI reads the figures on this page and explains them in plain language.
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Book a free consultation Compare with other fundsReturns vs benchmark and category
| Returns (%) | 1W | 1M | 3M | 6M | YTD | 1Y | 2Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | -0.25% | -0.51% | -1.39% | -1.28% | -0.97% | -1.03% | -0.56% | -0.22% | — | — | — | -0.33% |
Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Regular Growth plans in Dynamic Bond Funds. Q1 = top quarter by return over that period.
Calendar-year returns
| Year | 2026 YTD | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| This fund | -0.97% | -0.40% | +0.20% | +0.04% |
January to December each year; the current year is to date.
Month-by-month returns (%)
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Year |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.2 | 0.4 | -1.0 | 0.5 | 0.1 | 0.6 | -0.6 | -0.2 | -0.3 | -0.3 | |||
| 2025 | -0.5 | -0.2 | 1.1 | -0.6 | -0.2 | -1.1 | 0.4 | -1.1 | 0.9 | 0.5 | 0.1 | 0.2 | -0.4 |
| 2024 | 0.2 | -0.3 | 0.4 | -0.3 | 0.0 | 0.0 | 0.2 | -0.2 | 0.1 | -0.2 | 0.5 | -0.1 | 0.2 |
| 2023 | -0.1 | 0.1 | 0.1 | -0.1 | 0.0 | -0.1 | 0.0 | 0.2 | -0.3 | -0.1 | 0.3 | 0.1 | 0.0 |
| 2022 | -0.2 |
Change in NAV from the last business day of one month to the last business day of the next. Positive in 21 of 47 months shown (45%). "Year" is shown for complete calendar years.
Risk and consistency
| Risk measure | 3 years | 5 years |
|---|---|---|
| Volatility (standard deviation) ? | 3.65% | 3.41% |
| Sharpe ratio ? | -1.84 | — |
| Sortino ratio ? | -2.01 | — |
| Maximum drawdown | -4.74% | -4.74% |
Rolling 3-year returns (yearly)
Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.
SIP returns: ₹10,000 every month
| SIP for | Invested | Value today | Gain | XIRR |
|---|---|---|---|---|
| 1Y | ₹1,20,000 | ₹1,18,733 | ₹-1,267 | -1.94% |
| 3Y | ₹3,60,000 | ₹3,55,593 | ₹-4,407 | -0.80% |
A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.
What your investment would be worth
Worked out from the scheme's weekly NAVs (instalments on the first NAV of each month), so it can differ slightly from your statement. Past performance may or may not be sustained in future. Plan a future SIP.
Compare with all Dynamic Bond Funds (24)
| S.No. | Scheme (Regular plans, Growth) | NAV ₹ | 1M % | 6M % | 1Y % | 3Y % CAGR | 5Y % CAGR | Expense ratio % | Fund size ₹ Cr | Riskometer |
|---|---|---|---|---|---|---|---|---|---|---|
| 1. | 360 ONE Dynamic Term Fund360 ONE Mutual Fund | ₹23.9592 | — | — | — | — | — | 0.59 | 549 | Moderately High Risk |
| 2. | 360 ONE Dynamic Term Fund360 ONE Mutual Fund | ₹23.9591 | — | — | — | — | — | — | — | — |
| 3. | Aditya Birla Sun Life Dynamic Term FundAditya Birla Sun Life Mutual Fund | ₹48.9119 | — | — | — | — | — | — | — | — |
| 4. | Axis Dynamic Term FundAxis Mutual Fund | ₹31.4674 | — | — | — | — | — | — | — | — |
| 5. | BANDHAN Dynamic Term FundBandhan Mutual Fund | ₹35.8563 | — | — | — | — | — | — | — | — |
| 6. | Baroda BNP Paribas Dynamic Term FundBaroda BNP Paribas Mutual Fund | ₹32.5979 | — | — | — | — | — | — | — | — |
| 7. | Baroda BNP Paribas Dynamic Term FundBaroda BNP Paribas Mutual Fund | ₹46.2902 | — | — | — | — | — | — | — | — |
| 8. | Canara Robeco Dynamic Term FundCanara Robeco Mutual Fund | ₹29.3400 | — | — | — | — | — | — | — | — |
| 9. | DSP Dynamic Term FundDSP Mutual Fund | ₹3,391.59 | — | — | — | — | — | — | — | — |
| 10. | Groww Dynamic Term FundGroww Mutual Fund | ₹1,495.81 | — | — | — | — | — | — | — | — |
| 11. | HDFC Dynamic Term FundHDFC Mutual Fund | ₹92.3103 | — | — | — | — | — | — | — | — |
| 12. | HSBC Dynamic Term FundHSBC Mutual Fund | ₹30.4690 | — | — | — | — | — | — | — | — |
| 13. | ICICI Prudential Dynamic Term FundICICI Prudential Mutual Fund | ₹38.8038 | — | — | — | — | — | — | — | — |
| 14. | ITI Dynamic Term FundITI Mutual Fund | ₹12.6324 | — | — | — | — | — | — | — | — |
| 15. | JM Dynamic Term FundJM Financial Mutual Fund | ₹43.1329 | — | — | — | — | — | — | — | — |
| 16. | Kotak Dynamic Term FundKotak Mahindra Mutual Fund | ₹39.4205 | — | — | — | — | — | — | — | — |
| 17. | Mahindra Manulife Dynamic Term FundMahindra Manulife Mutual Fund | ₹14.8679 | — | — | — | — | — | — | — | — |
| 18. | Mirae Asset Dynamic Term FundMirae Asset Mutual Fund | ₹16.8045 | — | — | — | — | — | — | — | — |
| 19. | Nippon India Dynamic Term FundNippon India Mutual Fund | ₹39.1766 | — | — | — | — | — | — | — | — |
| 20. | PGIM India Dynamic Term FundPGIM India Mutual Fund | ₹2,683.21 | — | — | — | — | — | — | — | — |
| 21. | Quantum Dynamic Term FundQuantum Mutual Fund | ₹22.0611 | — | — | — | — | — | — | — | — |
| 22. | SBI DYNAMIC TERM FUNDSBI Mutual Fund | ₹37.5823 | — | — | — | — | — | — | — | — |
| 23. | Union Dynamic Term FundUnion Mutual Fund | ₹23.1848 | — | — | — | — | — | — | — | — |
| 24. | UTI Dynamic Term FundUTI Mutual Fund | ₹32.2835 | — | — | — | — | — | — | — | — |
| Median: 24 schemes | — | — | — | — | — | — | 0.59 | 549 | — |
Detailed comparison with another fund About Dynamic Bond Funds
Sorted by 3-year return; tap a heading to sort. Expense ratio and fund size are from published scheme data ("—" = not available yet). Sorting by past returns is a way to explore data, not a ranking of which fund to choose.
Scheme details
- Fund house
- HSBC Mutual Fund
- Category
- Dynamic Bond Funds · Debt
- Plan / option
- Regular · IDCW (income distribution)
- AMFI scheme code
- 151085
- ISIN
- INF677K01924, INF677K01932
- Exit load & portfolio
- See the scheme's KIM and monthly factsheet on the fund house website.
About Dynamic Bond Funds
Dynamic Bond Funds move across short and long durations depending on the fund manager's view of interest rates.
Generally used by investors with a 3+ year horizon.
Other plans of this scheme
Tax on your gains
Tax treatment depends on what the fund holds: equity-oriented if at least 65% is in Indian shares (directly or through equity funds), debt-oriented if over 65% is in debt, otherwise the "other" rules.
- Dividends (IDCW option) are added to your income and taxed at your slab rate; the fund deducts 10% TDS when they exceed ₹10,000 in a year.
- Switching from one scheme or plan to another counts as selling and buying.
- Surcharge and 4% health and education cess apply on top of these rates.
| Fund type | Short-term | Long-term |
|---|---|---|
| Equity-oriented | 20% (up to 12 months) | 12.5% above ₹1.25 lakh |
| Debt-oriented (bought from Apr 2023) | Slab rate | Slab rate |
| Gold, international, other hybrid | Slab rate | 12.5% (after 12 or 24 months) |
Exit load, if any, is set out in the scheme's KIM. Tax rules change from time to time and depend on your situation; please confirm with your tax adviser. This is general information, not tax advice.
Latest news: HSBC Mutual Fund
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- HSBC Mutual Fund uses everyday habits to promote SIP discipline in new campaign filmmarketech apac · 6 Oct
- HSBC Mutual Fund launches #StayDiSIPlined campaign to encourage investors to make SIP investing a routine, not a reaction to market volatilityTheWire.in · 1 Oct
- Anuj Rathi named next HSBC Mutual Fund CEOLivemint · 29 Sep
- HSBC Mutual Fund launches #StayDiSIPlined investor education campaignMediaBrief · 28 Sep
- Pitch BFSI Summit: India now has 3.5 household incomes -Kailash Kulkarni, HSBC Mutual FundExchange4Media · 23 Sep
Headlines from Google News about this fund house and its schemes over the last 30 days. Lists of "best funds" and buy or sell calls are left out. Links open the publisher's site.
Questions about this scheme
What is the NAV of HSBC Dynamic Term Fund today?
What returns has HSBC Dynamic Term Fund given?
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What are Dynamic Bond Funds?
How are gains from HSBC Dynamic Term Fund taxed?
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