Investment Objective and Approach

To provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through a portfolio of money market and debt securities. The fund follows a balanced approach to credit and risk management, focusing on maintaining optimal liquidity for investors.

To ensure optimal liquidity and better risk adjusted performance to suit the investor's requirements in various situations, fund managers follow stringent liquidity, credit risk and interest rate risk norms. The fund's investment strategy is designed to minimize interest rate risk by restricting the maximum portfolio weighted average maturity of HSBC Liquid Fund to 60 days.

Key Investment Features:

- Primary Focus: Money market and debt securities with high liquidity

- Risk Management: Stringent credit risk and interest rate risk controls

- Maturity Restriction: Maximum portfolio weighted average maturity limited to 60 days

- Liquidity Approach: Invests in bonds having maturity of up to three months, suitable to park emergency funds or surplus money for a few weeks up to a year

Fund Managers

Current Fund Manager: Kapil Punjabi is the Current Fund Manager of HSBC Liquid Fund Direct Growth fund.

Kapil Punjabi Profile:

- Vice President and Fund Manager of Fixed Income at HSBC Global Asset Management India with over 13 years of experience and a remarkable understanding of financial market nuances

- Previous Experience: Worked with other AMCs like Taurus Mutual Fund, Edelweiss Mutual Fund, Transmart Group (India)

- Current Portfolio: Manages 16 schemes with total AUM of ₹49,600.79 Cr

Supporting Team:

- Shriram Ramanathan: CIO Fixed Income and manages 10 schemes with an AUM of ₹34,954 Cr

- Both fund managers work collaboratively as part of HSBC's fixed income team

About the Fund House (AMC)

HSBC Asset Management (India) Private Limited has been serving Indian investors since 1973, making it one of the pioneering asset management companies in the country. HSBC Asset Management India - stewards of our clients' ambitions since 1973.

Corporate Structure:

- The Sponsor of HSBC Mutual Fund is HSBC Securities and Capital Markets (India) Private Limited (HSCI), a member of the HSBC Group. HSCI holds 100 per cent of the paid up equity share capital of HSBC Asset Management (India) Private Limited.

Governance Framework:

- HSBC Mutual Fund India operates within a global, integrated risk and governance framework

- Strong leadership team with Kailash Kulkarni as Chief Executive Officer

- Independent board structure ensuring investor protection

Global Presence:

The fund house benefits from HSBC's global asset management expertise and research capabilities, providing investors access to international best practices in fund management and risk control systems.

Should I Invest in HSBC Liquid Fund?

Suitable For:

- Emergency Fund Parking: 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

- Short-term Liquidity Needs: Investors looking for better returns than savings accounts with instant liquidity

- Conservative Investors: Those seeking low-risk investment options with reasonable returns

Key Advantages:

- Low Risk Profile: The HSBC Liquid Fund Direct Growth is rated Low to Moderate risk

- Superior Performance: This fund has delivered an average annual returns of 6.83% since inception which is more than its category average return of 4.98%

- Large AUM: The fund currently has an Asset Under Management(AUM) of ₹1,15,577 Cr as of 01 Jul 2025

- Cost Effective: This fund has an expense ratio of 0.12% which is less than its category average expense ratio of 0.24%

Considerations:

- 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

- These funds are geared to deliver only marginally higher returns than your bank account and are not suitable to build wealth in the long run

Investment Minimums:

- SIP Investment: Minimum SIP Investment is set to ₹1,000

- Lump Sum Investment: Minimum Lumpsum Investment is ₹5,000

FAQs

What is today's NAV of HSBC Liquid Fund?

The NAV changes daily based on market conditions. You can check the latest NAV on the fund house website or through investment platforms like Allvest for real-time updates.

What is the AUM of HSBC Liquid Fund?

As of July 1, 2025, the fund has an AUM of ₹1,15,577 Cr, making it one of the larger liquid funds in its category.

What is the expense ratio of HSBC Liquid Fund?

The fund has a competitive expense ratio of 0.12%, which is significantly lower than the category average of 0.24%.

What are the returns of HSBC Liquid Fund since inception?

The fund has delivered an average annual return of 6.83% since inception, outperforming the category average of 4.98%.

What is the minimum SIP amount to invest in HSBC Liquid Fund?

The minimum SIP investment amount is ₹1,000, making it accessible for regular investors to start systematic investing.

How do I invest in HSBC Liquid Fund?

You can invest through Allvest's platform with zero commission, or directly through the HSBC Mutual Fund website. Allvest offers a seamless digital investment experience.

How to start a SIP in HSBC Liquid Fund?

Visit Allvest's platform, select HSBC Liquid Fund, choose SIP option, set your investment amount (minimum ₹1,000), and select frequency. Complete KYC and set up auto-debit.

How do I automate an SIP in HSBC Liquid Fund?

Through Allvest, you can set up automated SIP by providing bank account details for auto-debit. The platform will automatically invest your chosen amount monthly.

How can I withdraw/redeem my investment in HSBC Liquid Fund?

You can redeem your investment through Allvest's platform or the fund house website. Liquid funds typically process redemptions within 1 business day with no exit load after 7 days.