HSBC Low Duration Fund Direct Growth

HSBC Low Duration Fund Direct Growth

NAV as on 28-03-2025

₹ 29.27

0.1%

1D

Inception Returns

7.6%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
16 people have invested ₹ 16.9L in HSBC Low Duration Fund Direct Growth in the last three months

About HSBC Low Duration Fund Direct Growth

HSBC Low Duration Fund Direct Growth is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Shriram Ramanathan. This fund is suitable to keep your money safe.

Key Parameters

  1. HSBC Low Duration Fund Direct Growth has ₹538 Cr worth of assets under management (AUM) as on Dec 1969 and is less than category average.
  2. The fund has an expense ratio 0.4.

Returns

HSBC Low Duration Fund Direct Growth has given a CAGR return of 7.58% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 8.11%, 7.07% and 6.38% respectively.

Holdings

HSBC Low Duration Fund Direct Growth has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are National Bank For Agriculture And Rural Development, HDFC Bank Limited, Bajaj Housing Finance Limited, National Housing Bank, Rec Limited

Taxation

As it is a low duration mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of HSBC Low Duration Fund Direct Growth

To provide liquidity and reasonable returns by investing primarily in a mix of short term debt and money market instruments such that the Macaulay duration of the portfolio is between 6 months to 12 months. However, there can be no assurance or guarantee that the investment objective of the scheme would be achieved.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 1000.00. HSBC Low Duration Fund Direct Growth has no lock in period.

HSBC Low Duration Fund Direct Growth Overview

Expense ratio0.38%
Benchmark
CRISIL Liquid Fund TR INR
AUM₹538 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5000/₹1000
Exit Load0%
Lock InNo Lock-in
TurnOver
292.77%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Low to Moderate Risk

Trailing Returns

as on (28-Mar-25)

Period
HSBC Low Duration Fund Direct Growth
Low Duration Index
1M
0.9%
0.4%
3M
2.2%
1.4%
6M
4.1%
2.9%
1Y
8.1%
6.6%
3Y
7.1%
6.2%
5Y
6.4%
6%

Fund Distribution

as on (31-Dec-69)

  • Debt & Cash 99.7%

AAA
89.1%

AA
10.9%

Sector Allocation

Feb'25

Jan'25

Dec'24

Corporate
54%
Government
24.8%
Cash Equivalent
21.2%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 538 Cr
₹ 481.9 Cr
₹ 481.9 Cr
  • AUM of the fund stands at 538 Cr as of Feb'25
  • AUM increased by 56.1 Cr between Feb'25 and Jan'25
Top Stocks bought last month
National Bank For Agriculture And Rural Development's allocation increased from 5.26% to 6.28%
National Bank For Agriculture And Rural Development's allocation increased from 5.26% to 6.28%
National Housing Bank's allocation increased from 5.26% to 6.26%
National Housing Bank's allocation increased from 5.26% to 6.26%
Power Grid Corporation Of India Limited's allocation increased from 5.26% to 6.14%
Power Grid Corporation Of India Limited's allocation increased from 5.26% to 6.14%
Cash allocation has gone up from 26.9% to 33.4%
Cash allocation has gone up from 26.9% to 33.4%
Debt allocation has gone down from 72.8% to 66.3%
Debt allocation has gone down from 72.8% to 66.3%

Top 2 Sectors in February were Corporate, Government

Feb'25
Corporate
54%
Government
25%
Jan'25
Corporate
37%
Government
35%
  • Debt & Cash

Holdings
Weight%
1M Change
National Bank For Agriculture And Rural Development
National Bank For Agriculture And Rural Development
8.12%
60%
HDFC Bank Limited
HDFC Bank Limited
6.21%
0%
Bajaj Housing Finance Limited
Bajaj Housing Finance Limited
5.07%
0%
National Housing Bank
National Housing Bank
5.06%
0%
Rec Limited
Rec Limited
4.98%
0%
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Shriram Ramanathan
Shriram Ramanathan
Fund Manager of HSBC Low Duration Fund Direct Growth, since 24 November 2012
Fund House
HSBC Asset Management (India) Private Ltd
Total Schemes
Total AUM
₹1.25L Cr
as on 28-Feb-2025
Address
HSBC Asset Management (India) Private Ltd.,16, V N Road,,Fort
Phone
+912266145000
Website
hsbcmf@hsbc.co.in

Mutual Fund Insights

Insights icon
In the last 1 year, Kotak Low Duration Fund- Direct Plan- Growth Option has given 8.2% return, outperforming this fund by 0.08%.
Insights icon
Over the last 3 months, this fund has experienced a 11.6% growth in AUM moving from 481.92 Cr to 538.02 Cr.
Insights icon
In the last 5 years, UTI - Low Duration Fund - Direct Plan - Growth Option has given 7.29% return, outperforming this fund by 0.91% per annum.
Insights icon
This fund has one of the lowest expense ratio in the category (low duration). Its expense ratio is 0.38% which is lower than the category average expense ratio of 0.67%.
Insights icon
In the last 3 years, ICICI Prudential Savings Fund Direct Plan Growth has given 7.27% return, outperforming this fund by 0.2% per annum.

HSBC Low Duration Fund Direct Growth Highlights

Risk meter
pointer

Low to Moderate Risk

Investors understand that their principal will be at Low to Moderate Risk
About the fund

About the fund

This fund has delivered an average annual returns of 7.58% since inception which is more than its category average return of 5.75%
AUM size ₹538 Cr

AUM size ₹538 Cr

This fund has AUM of ₹538 Cr which is less than its category average of ₹ 5923 Cr
Expense Ratio 0.38%

Expense Ratio 0.38%

This fund has an expense ratio of 0.38% which is less than its category average expense ratio of 0.59%

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5Y CAGR

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5Y CAGR

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5Y CAGR

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Frequently Asked Questions for HSBC Low Duration Fund Direct Growth

The current NAV of HSBC Low Duration Fund Direct Growth is ₹29.27 as on 28-Mar-2025.
Existing (Absolute + CAGR) as on 28-Mar-2025.
HSBC Low Duration Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
0.95%
0.95%
6 Month Returns
4.07%
4.07%
1 Year Returns
8.11%
8.11%
3 Years Returns
22.74%
7.07%
5 Years Returns
36.24%
6.38%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.38% as on March 2025
₹538 Cr as on March 2025
National Bank For Agriculture And Rural Development(8.12%), HDFC Bank Limited(6.21%), Bajaj Housing Finance Limited(5.07%), National Housing Bank(5.06%), Rec Limited(4.98%) as on March 2025
Corporate(59.74%), Government(28.52%), Cash Equivalent(11.74%) as on March 2025
Yield to Maturity is 7.6 as on March 2025. Yield to Maturity is the total return earned on your bond investments if you hold the bond investments till maturity & all bonds' proceeds are reinvested in it.
Modified Duration is 0.91 as on March 2025. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.
AAA
89.14
AA
10.86
Shriram Ramanathan is the fund manager of HSBC Low Duration Fund Direct Growth
The Exit load of HSBC Low Duration Fund Direct Growth is 0%