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Product scoring may vary based on gender, age, policy tenure and sum assured.
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30 - 34
Sum Assured
₹ 1Cr
Debt • Liquid • Nifty Liquid Fund Index
HSBC Liquid Fund(G)-Direct Plan
1 Finance Rank:
13
131 Finance Score:
79100
Yield To Maturity Score
86
Quality & Diversification Score
77
Standard Deviation Score
74
Modified Duration Score
70
AUM Score
74
Historical Performance score
79
by 1 Finance Research 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 13,434 Cr(As on 31-Mar-2026)NAV
₹ 2767.5119(As on 10-May-2026)Expense Ratio
0.12%(As on 31-Mar-2026)Investment Horizon
1 week to 1 month
13
Debt • Liquid • Nifty Liquid Fund Index
HSBC Liquid Fund(G)-Direct Plan
This fund ranks 13th out of 38 funds in its category.
AUM₹ 13,434 Cr(As on 31-Mar-2026)
NAV₹ 2767.5119(As on 10-May-2026)
Expense Ratio0.12%(As on 31-Mar-2026)
Investment Horizon1 week to 1 month
1 Finance Score: 79/100
Yield To Maturity Score
86
Quality & Diversification Score
77
Standard Deviation Score
74
Modified Duration Score
70
AUM Score
74
Historical Performance score
79
Fundamental Ratios
Modified Duration
7.57 yearsAverage Maturity
0.18 yearsYield To Maturity
7.57%Standard Deviation
0.01%Portfolio summary
Asset Allocation
Debt
Others
118.42%
-18.42%
Credit Rating
SOV
19.41%
Others
0.00%
AAA
0.00%
AA
0.00%
Cash Eqv.
-18.81%
Debt Sector Allocation
Bank
63.58%
Finance
28.07%
G-Sec
19.41%
Retailing
3.67%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| 91 Days Treasury Bill - 12-Mar-2026 | 5.80% |
| 182 Days Treasury Bill - 05-Feb-2026 | 3.74% |
| HDFC Bank Ltd. (22-Jan-2026) | 3.33% |
| 91 Days Treasury Bill - 06-Feb-2026 | 2.77% |
| 91 Days Treasury Bill - 26-Feb-2026 | 2.77% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Potential for higher returns as the fund maintains a high Net Yield to Maturity (YTM).
Ability to significantly outperform benchmark returns.
High AUM often signifies stability and credibility, along with being well diversified.
Great track record of generating high returns by managing the portfolio dynamically.
The fund demonstrates a low level of volatility as the standard deviation is low.
Relatively low modified duration indicates lower sensitivity to interest rate changes, suggesting lower risk.
Cons
This fund doesn't have any cons.
Should you invest?
Invest if you are :
- Those who need to access their cash quickly and want to park their money for a short period of time.
- Its ideal investment to create emergency funds.
- Those who wants to invest in equity funds through STP (Systematic Transfer Plan) should invest in this fund
Avoid if you are :
- Long term investors and high risk takers can avoid this scheme
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Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- To provide reasonable returns, commensurate with low risk while providing high level of liquidity, through a portfolio of money market and debt securities.
Exit Load
- 0.007% for Day 1, 0.0065% on Day 2, 0.0060% on Day 3, 0.0055% on Day 4, 0.0050% on Day 5, 0.0045% on Day 6, NIL on or after 7D
Minimum investment amount
Lumpsum
₹ 5000 (open for subscription)
Other details
Founded In2013
Email Addressinvestor.line@mutualfunds.hsbc.co.in
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Abhishek Iyer | 4.9 | 7 |
About HSBC MF
- HSBC Mutual Fund is a respected global asset management company (AMC) bringing international fund management expertise to India. It offers various funds tailored to meet diverse investor goals through global research and local insights
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more