HSBC Mutual Fund

HSBC mutual fund offers the following products:

• Equity funds
  • HSBC Large Cap Equity Fund
  • HSBC Dynamic Asset Allocation Fund
  • HSBC Multi Cap Equity Fund
  • HSBC Global Emerging Markets Fund
  • HSBC Small Cap Equity Fund
  • HSBC Tax Saver Equity Fund
  • HSBC Infrastructure Equity Fund
  • HSBC Asia Pacific (Ex Japan) Dividend Yield Fund
  • HSBC Brazil Fund
  • HSBC Global Consumer Opportunities Fund
  • HSBC Managed Solutions
• Debt funds
  • HSBC Regular Savings Fund
  • HSBC Cash Fund
  • HSBC Fixed Term Series
  • HSBC Debt Fund
  • HSBC Low Duration Fund
  • HSBC Flexi Debt Fund
  • HSBC Short Duration Fund
• Product add-on
  • HSBC Systematic Investment Plan (HSBC SIP)
  • HSBC Systematic Transfer Plan (HSBC STP)

Equity funds are mutual funds that primarily invest in shares, hence they are known as stock funds as well.

• HSBC Large Cap Equity FundThis is an open-ended equity scheme wherein the investments are made in large cap stocks. Benchmark Index Nifty 50Entry LoadN/A Exit LoadIn case the units are redeemed/switched-out within a year from the date of plan inception – 1%RiskometerModerately high riskFund ManagerNeelotpal SahaiInvestment Objective of HSBC Large Cap Equity Fund:The objective of this scheme is to generate capital growth for the investor over a long period by investing in equity instruments and large cap equities.HSBC Large Cap Equity Fund is ideal for:This product is ideal for investors who seek to create wealth over a long period by investing in large cap equity and financial instruments that are related to equity.
• HSBC Dynamic Asset Allocation FundThis is an open-ended and dynamic equity scheme for asset allocation.Benchmark IndexS&P BSE 200Entry LoadN/AExit LoadNilRiskometerModerately high riskFund ManagerNeelotpal Sahai – for equity investment partSanjay Shah – for fixed Income partInvestment Objective of HSBC Dynamic Asset Allocation Fund:The objective of this scheme is to generate capital growth for the investor over a long period by investing in equity instruments and large cap equities. In addition to this, the scheme allows the investor to move the funds from equity instruments to debt instruments if there seems to be no capital growth in the equity market.HSBC Dynamic Asset Allocation Fund is ideal for:This product is ideal for investors who seek to create wealth over a long period by investing in large cap equity, financial instruments that are related to equity, and debt instruments.
• HSBC Multi Cap Equity FundThis is an open-ended equity scheme wherein the investments are made across large cap stocks, small cap stocks, and mid cap stocks.Benchmark IndexS&P BSE 200Entry LoadN/AExit LoadNilRiskometerModerately high riskFund ManagerNeelotpal SahaiInvestment Objective of HSBC Multi Cap Equity Fund:The objective of this scheme is to generate capital growth for the investor over a long period by investing across large cap stocks, small cap stocks, and mid cap stocks. The scheme primarily aims at investing in equity funds and equity related instruments. In addition to this, a large part of the assets can be moved to fixed income instruments if there seems to be no capital growth in the equity market.HSBC Multi Cap Equity Fund is ideal for:This product is ideal for investors who seek to create wealth over a long period by investing in large cap, small cap, and mid cap firms.
• HSBC Global Emerging Markets FundThis is an open-ended equity scheme wherein the investments are made primarily in HSBC Global Investment Funds – Global Emerging Markets Equity Fund.Benchmark IndexMSCI Emerging Market IndexEntry LoadN/AExit LoadIn case the units are redeemed/switched-out within a year from the date of plan inception – 1%RiskometerHigh riskFund ManagerRanjithgopal K AInvestment Objective of HSBC Global Emerging Markets Fund:The objective of this scheme is to generate capital growth for the investor over a long period by primarily investing in HSBC Global Investment Funds – Global Emerging Markets Equity Fund. In addition to this, a specific part of the assets can be invested in equity market instruments and/or liquid mutual fund schemes, to meet the financial requirements whenever necessary.HSBC Global Emerging Markets Fund is ideal for:This product is ideal for investors who seek to create wealth over a long period by investing primarily in HSBC Global Investment Funds – Global Emerging Markets Equity Fund.
• HSBC Small Cap Equity FundThis is an open-ended equity scheme wherein the investments are made primarily in small cap stocks.Benchmark IndexS&P BSE 250 Small Cap IndexEntry LoadN/AExit LoadIn case the units are redeemed/switched-out within a year from the date of plan inception – 1%RiskometerModerately high riskFund ManagerNeelotpal SahaiInvestment Objective of HSBC Small Cap Equity Fund:The objective of this scheme is to generate capital growth for the investor over a long period by investing in equity related instruments of small cap firms.HSBC Small Cap Equity Fund is ideal for:This product is ideal for investors who seek to create wealth over a long period by investing primarily in small cap firms and equity related instruments.

Debt funds are investment pools wherein fixed income investments are the primary or the only part of the investment portfolio.

• HSBC Regular Savings FundThis is an open-ended hybrid scheme wherein the investments are primarily made in debt instruments.Benchmark IndexCRISIL Hybrid 85+15 – Conservative IndexEntry LoadN/AExit LoadIn case the units are redeemed/switched-out within a year from the date of plan inception – 1%RiskometerModerately high riskFund ManagerAditya Khemani – for Equity partSanjay Shah – for Fixed Income partInvestment Objective of HSBC Regular Savings Fund:HSBC Regular Savings Fund is ideal for:This product is ideal for investors who seek to create wealth by investing in schemes that offer fixed incomes such as debt funds and equity market securities as well as in equity funds and equity related instruments over a medium to long period.
  • The primary objective of this scheme is to generate decent returns for the investors on investments in debt funds and equity market securities.
  • The secondary objective of the scheme is to generate capital growth for the investors on investments in equity funds and equity related securities.
• HSBC Cash FundThis is an open-ended liquid fund scheme.Benchmark IndexCRISIL Liquid Fund IndexEntry LoadN/AExit LoadNilRiskometerLow riskFund ManagerKapil PunjabiInvestment Objective of HSBC Cash Fund:The primary objective of this scheme is to generate decent returns for the investors on low risk investments in debt funds and equity market instruments.HSBC Cash Fund is ideal for:This product is ideal for investors who seek to liquidate the funds overnight by investing in equity market securities over a short period.
• HSBC Fixed Term SeriesThis is a close-ended scheme that offers various investments plans with fixed maturity periods that generally ranges between 3 months and 36 months.HSBC Fixed Term Series is further divided into the following schemes:Entry LoadN/AExit LoadNARiskometerModerate riskFund ManagerKapil PunjabiInvestment Objective of HSBC Fixed Term Series:The objective of this scheme is to generate decent returns for the investors on investments in fixed income securities that would normally mature after a specific period as mentioned under the respective plan.HSBC Fixed Term Series is ideal for:This product is ideal for investors who seek to generate income over the plan’s fixed tenure by investing in debt funds/equity market securities.
  • HSBC Fixed Term Series 134
  • HSBC Fixed Term Series 133
  • HSBC Fixed Term Series 132
  • HSBC Fixed Term Series 131
  • HSBC Fixed Term Series 130
  • HSBC Fixed Term Series 129
  • HSBC Fixed Term Series 128
  • HSBC Fixed Term Series 126
  • HSBC Fixed Term Series 125
  • HSBC Fixed Term Series 98
  • HSBC Fixed Term Series 96
  • HSBC Fixed Term Series 94
• HSBC Debt FundThis is an open-ended scheme wherein the investments take place over a medium to long period such that the average period for the plan to mature and generate returns on investments range from 4 years to 7 years.Benchmark IndexCRISIL Composite Bond Fund IndexEntry LoadN/AExit LoadNilRiskometerModerate riskFund ManagerSanjay ShahInvestment Objective of HSBC Debt Fund:The objective of this scheme is to generate decent returns for the investors on investments in various fixed income instruments such that the average period of maturity for the plan ranges from 4 years to 7 years.HSBC Debt Fund is ideal for:This product is ideal for investors who seek to generate a regular income over a long period by investing in various fixed income securities such that the plan matures and starts offering the returns within a period of 4-7 years.

You can also opt for the following add-ons that can be bundled with the plans to increase the returns or save significantly.

• HSBC Systematic Investment Plan (HSBC SIP)HSBC SIP is a financial instrument where the investor can invest pre-defined amounts at regular intervals of time, either monthly or quarterly, in a mutual fund scheme over a fixed time, continuously. The scheme is similar to a recurring deposit account opened with a post office or a bank. Under this scheme, the investor can invest a fixed amount every 3 or 4 months to purchase shares of schemes at existing prices based on the Net Asset Value (NAV). The investor can activate the SIP either by submitting post-dated cheques for the duration of the plan or by permitting a fixed amount to be debited from your bank account on a monthly/quarterly basis.HSBC SIP is offered with the following schemes:
  • HSBC Equity Fund
  • HSBC Income Fund
  • HSBC India Opportunities Fund
  • HSBC Cash Fund
  • HSBC Infrastructure Equity Fund
  • HSBC Ultra Short Term Bond Fund
  • HSBC Dynamic Fund
  • HSBC Flexi Debt Fund
  • HSBC Emerging Markets Fund
  • HSBC Tax Saver Equity Fund
  • HSBC MIP
• HSBC Systematic Transfer Plan (HSBC STP)Under the HSBC STP, the investors can transfer a pre-defined amount on a monthly basis to the specific scheme based on the price of NAV. The investors can avail the plan by investing a lump-sum amount in the following schemes and permitting a fixed amount to be debited from your bank account on a monthly basis. HSBC STP comes with the following:
  • HSBC Cash Fund
  • HSBC Ultra Short Term Bond Fund
  • HSBC Income Fund
  • HSBC Floating Rate Fund
  • HSBC Gilt Fund
  • HSBC Flexi Debt Fund
  • HSBC MIP

Tax Saver Equity Fund from HSBC Mutual Fund is an Equity Linked Savings Scheme (ELSS) that offers tax benefits under the 80C section of the Income Tax Act, 1961. The investor, on availing the plan, will be able to save on tax significantly and generate capital growth by investing in equity funds and equity related securities of the firms across different industries and sectors without any bias towards capitalisation.

• When opening the account offline, you need to submit the following documents at authorised centres as mentioned in the policy document:
  • Application form
  • Cheque/demand draft drawn in the name of the respective scheme
• When opening the account online you need to submit the following on the official HSBC Mutual Fund website:
  • KYC details
  • Bank details
  • e-copy of the cheque

You can invest in HSBC Mutual Funds by following the below steps:

• Collect the application form from the service centres/distributors, designated centres, or download from the official website.
• Submit a cheque or demand draft drawn from a bank that is a member of the Banker’s Clearing House which is located at the place where the application for availing the plan has been submitted or is in a state to be accepted by the AMC for which a receipt of credit is issued in the Bank Account of the Fund.
• The cheques for the amount to avail the plan should be encoded with MICR (magnetic ink character recognition) in case one is investing in HSBC Cash Fund and/or HSBC Ultra Short Term Bond Fund.
• Do not send any outstation cheques, cash, postal orders, post-dated cheques, and money orders, as they will not be accepted.
• The AMC will bear the bank charges for demand drafts and will be limited to the figures shown in the below table:

• The application should be submitted in accordance with the minimum amount required for availing the plan as mentioned in the scheme document.
• The cheques or bank drafts that are submitted should be drawn in the name of the plan the investor is availing.
• The application form along with the cheque/demand draft should be submitted in centres where it is accepted, as mentioned in the scheme document.
• The application will be rejected if discrepancies are found in any of the submitted documents.
• Potential investors can also invest online by completing and submitting the respective KYC details and bank details, and submitting an e-copy of the cheque on the official HSBC Mutual Fund website.
• Existing investors can purchase, redeem, or switch schemes on the official website by providing the customer credentials such as Folio number and PIN.

HSBC Mutual funds come with a number of features that benefit the investors. The following are the perks of investing in SBC Mutual Fund:

• They offer expert advice on investments to the clients.
• They aim at developing customised investment solutions to the clients.
• They offer transparency via various media.
• They aim at building lasting relationships with clients and developing new market strategies for investments.
• They are strongly backed by one of the top reputed companies, HSBC Group.

GST rate of 18% applicable for all financial services effective July 1, 2017.