May 22, 2025
mayank
HSBC Liquid Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 2,609.4332
Weekly NAV IDCW: Rs 1,195.4416
Monthly NAV IDCW: Rs 1,042.5909
Suitable For Which Investors?
“Liquid funds invest in bonds having maturity of up to three months. They are suitable to park the amount you have set aside to meet any emergency needs or any surplus money that you don’t need for a few weeks up to a year. You can expect to earn better returns than what you would get from a bank account.
The risk of incurring a loss in these funds is negligible but they do not guarantee returns or safety of capital. Though rare, there have been few instances when liquid funds have incurred losses.
Remember, these funds are geared to deliver only marginally higher returns than your bank account. They deliver steady, but low returns and are not suitable to build wealth in the long run.”
Fund’s Investment Strategy:
The scheme aims to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities.
Fund Manager:
1) Abhishek Iyer
Education: Mr. Iyer is a B. Com, Master in Finance management, Master of Arts (MA) Economics
Experience: Prior to joining Mirae Asset Mutual Fund, he has worked with IDBI Mutual Fund, IIFL Mutual Fund, L&T Mutual Fund and Sahara Mutual Fund.
2) Mahesh A Chhabria
Education: Mr. Chhabria is a Commerce Graduate and has also pursued FCA and CFA.
Experience: Prior to joining HSBC MF, he has worked with L&T AMC, Edelweiss Securities Ltd, Darivium Traditions Pvt. Ltd. and FIL Fund Management Pvt. Ltd.
Investment Details
| Min. Investment (Rs) | 5,000 |
| Min. Addl Investment (Rs) | 1,000 |
| Min. SIP Investment (Rs) | 1,000 |
| Min. Withdrawal (Rs) | 1,000 |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | 10,000 |
| Lock-in Period | NA |
| Exit Load | Exit load of 0.0070% if redeemed within 1 day |
| 0.0065% if redeemed within 2 days | |
| 0.0060% if redeemed within 3 days | |
| 0.0055% if redeemed within 4 days | |
| 0.0050% if redeemed within 5 days | |
| 0.0045% if redeemed within 6 days. |
Basic Details of HSBC Liquid Fund
| Fund House | HSBC Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 6.86% |
| Benchmark | NIFTY Liquid Index A-I |
| Riskometer | Low to Moderate |
| Type | Open-ended |
| Assets | Rs 18,233 Cr |
| (As on 30-Apr-2025) | |
| Expense | 0.11% |
| (As on 30-Apr-2025) | |
| Risk Grade | — |
| Return Grade | Average |
Trailing Returns (%) of HSBC Liquid Fund
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| HSBC Liquid Dir | 2.83 | 0.02 | 0.52 | 1.79 | 3.61 | 7.35 | 6.98 | 5.53 | 5.87 | 6.33 |
| CCIL T Bill Liquidity Weight | 2.21 | 0.07 | 0.48 | 1.46 | 2.67 | 5.17 | 4.45 | 3.48 | 3.72 | 3.95 |
| Debt: Liquid | 2.78 | 0.02 | 0.52 | 1.75 | 3.55 | 7.25 | 6.91 | 5.49 | 5.83 | 6.29 |
| Rank within category | 12 | 3 | 19 | 13 | 13 | 16 | 14 | 18 | 16 | 15 |
| Number of funds in category | 38 | 38 | 38 | 38 | 38 | 37 | 35 | 34 | 31 | 29 |
Peer Comparison of HSBC Liquid Fund
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | |
| HSBC Liquid Dir | 3 star | 7.35 | 6.98 | 5.53 | 0.11 | 18,233 | 6.86 | 0.01 (1) | 12Y 4M |
| ABSL Liquid Dir | 5 star | 7.39 | 7.03 | 5.59 | 0.21 | 53,912 | 6.94 | 0.01 (1) | 12Y 4M |
| Axis Liquid Dir | 4 star | 7.39 | 7.01 | 5.56 | 0.09 | 39,069 | 6.90 | 0.01 (1) | 12Y 4M |
| DSP Liquidity Dir | 4 star | 7.38 | 6.97 | 5.53 | 0.10 | 17,845 | 6.87 | 0.01 (1) | 12Y 4M |
| Mirae Asset Liquid Dir | 4 star | 7.35 | 6.98 | 5.56 | 0.09 | 12,485 | 6.74 | 0.01 (1) | 12Y 4M |
Portfolio Breakup
| Fund | Category | |
| Number of Securities | 68 | 68 |
| Macaulay Duration (yrs) | 0.13 | 0.10 |
| Average Maturity (yrs) | 0.13 | 0.10 |
| Yield to Maturity (%) | 6.48 | 6.25 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For HSBC Liquid Fund
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