HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years
This is the Regular plan of HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years — bought through a distributor, whose commission is paid out of its expense ratio. Income is distributed, which is why this NAV sits below the growth plan of the same fund.
NAV history
Scorecard
Not ratedHow this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. Not rated — too few comparable Debt funds (same plan and option) to rank against yet.
Not enough Overnight Fund peers to rank yet
Volatility 0.1% (no category average yet)
Expense ratio not available yet
100% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Consistent — positive in 100% of rolling 3-year windows
Concerns
No significant concerns identified.
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Fund vs category average (Overnight Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | +0.40% | — | — |
| 3M abs | +1.27% | — | — |
| 6M abs | +2.56% | — | — |
| 1Y CAGR | +5.26% | — | — |
| 3Y CAGR | +6.05% | — | — |
| 5Y CAGR | — | — | — |
Category average across peers in Overnight Fund, same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
36 monthly installments of ₹10,000 into HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | +3.92% | |
| 2025 | +5.82% | |
| 2024 | +6.73% | |
| 2023 | +6.73% | |
| 2022part | +2.46% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.
Taxation
Taxed as debtThis is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.
Your income-tax slab — no LTCG or indexation benefit
Pick your slab to see the rate that applies to you.
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Asset allocation
As on 31 Aug 2026 · AMC disclosure- Cash & Equivalents96.70%
- Debt3.30%
AMC Profile
HSBC Mutual Fund is the Indian arm of HSBC Asset Management and has operated here since 2002. It roughly tripled in size by acquiring L&T Mutual Fund in 2022 and merging the two line-ups.
HSBC in the news
Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.
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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Overnight funds
Overnight funds hold securities maturing the very next day, making them the lowest-risk debt category. They're a place to park cash for a few days with almost no interest-rate risk.
Frequently asked questions
What is the NAV of HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years?
As of 04 Oct 2026, the NAV of HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years is ₹1,283.71 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years delivered?
HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years has returned +5.26% over 1 year, +6.05% per year over 3 years and +6.13% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What are the top holdings of HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years?
HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years's largest holdings are 182 Days Treasury Bill 18-Sep-2026 (2.0%) and 182 Days Treasury Bill 10-Sep-2026 (1.3%). Holdings are disclosed monthly and change over time.
How risky is HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years?
HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years is rated low on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.1% and its worst peak-to-trough fall in our sample was 0.0%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
How is HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years taxed?
HSBC Overnight Fund - Regular Plan - Unclaimed IDCW Below three years is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.