{"id":241450,"date":"2026-09-10T15:06:00","date_gmt":"2026-09-10T09:36:00","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/"},"modified":"2026-09-10T15:06:00","modified_gmt":"2026-09-10T09:36:00","slug":"hsbc-medium-to-long-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/","title":{"rendered":"HSBC Medium to Long Term Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/hsbc-medium-to-long-term-fund-g-direct-plan\">HSBC Medium to Long Term Fund Direct Growth Plan<\/a> has a NAV of \u20b948.9076 as of 09 Sep 2026 and a scheme AUM of \u20b948 Cr. Its 1-year, 3-year and 5-year returns are 3.72%, 6.6% and 5.3%, and the fund sits in the Medium Risk category.<\/p>\n<p>Our view is that this is a steady debt scheme rather than a high-growth option. The return pattern is moderate, the benchmark has been mixed, and the portfolio leans meaningfully toward sovereign, corporate and cash-like exposures, which may suit conservative investors with a medium to longer horizon.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_HSBC_Medium_to_Long_Term\" title=\"Should you BUY or HOLD HSBC Medium to Long Term?\">Should you BUY or HOLD HSBC Medium to Long Term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_HSBC_Medium_to_Long_Term_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of HSBC Medium to Long Term Fund Direct Growth Plan?\">What is the current NAV of HSBC Medium to Long Term Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#How_has_the_fund_done_against_its_benchmark\" title=\"How has the fund done against its benchmark?\">How has the fund done against its benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#How_does_it_compare_with_the_peer_funds_listed_here\" title=\"How does it compare with the peer funds listed here?\">How does it compare with the peer funds listed here?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#What_risk_category_and_fund_managers_are_listed_for_this_scheme\" title=\"What risk category and fund managers are listed for this scheme?\">What risk category and fund managers are listed for this scheme?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/hsbc-medium-to-long-term-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b948.9076 as of 09 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b948 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.67%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>07 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b91,000<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load after holding period<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Mohd Asif Rizwi, Shriram Ramanathan<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Mohd Asif Rizwi and Shriram Ramanathan.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-0.52%<\/td>\n<td>-4.69%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.48%<\/td>\n<td>0.93%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>3.72%<\/td>\n<td>-7.16%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>6.6%<\/td>\n<td>6%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>5.3%<\/td>\n<td>5.87%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The short-term picture is more resilient than the benchmark. Over 1 month, the fund lost less than the benchmark, and over 1 year it stayed positive while the benchmark was negative. That tells us the scheme has held up better through a difficult stretch for the benchmark, even though the absolute 1-year return is still modest.<\/p>\n<p>The medium-term trend is steadier than exciting. The 3-year return is 6.6%, only slightly ahead of the benchmark, while the 5-year return is 5.3%, marginally behind it. That mix suggests the fund has delivered a fairly contained path rather than a sharp outperformance cycle, which is typical of a debt-oriented strategy that prioritises smoother compounding over upside surges.<\/p>\n<p>The recent 3-month reading is also useful. The fund has been positive while the benchmark has moved more narrowly, so the latest stretch does not look worse than the longer trend. Our read is that the fund has remained relatively stable, with shorter periods showing less strain than the benchmark, but the longer horizon still points to moderate compounding rather than a standout return profile.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_HSBC_Medium_to_Long_Term\"><\/span>Should you BUY or HOLD HSBC Medium to Long Term?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding HSBC Medium to Long Term? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/hsbc-medium-to-long-term-fund-g-direct-plan\">HSBC Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>3.72%<\/td>\n<td>6.6%<\/td>\n<td>5.3%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/franklin-india-medium-to-long-term-fund-g-direct-plan\">Franklin India Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.58%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-medium-to-long-term-fund-g-direct-plan\">ICICI Pru Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.36%<\/td>\n<td>7.34%<\/td>\n<td>6.4%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/lic-mf-medium-to-long-term-fund-g-direct-plan\">LIC MF Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.32%<\/td>\n<td>7.42%<\/td>\n<td>6.31%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-medium-to-long-term-fund-g-direct-plan\">SBI Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.23%<\/td>\n<td>7.03%<\/td>\n<td>6.26%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-medium-to-long-term-fund-g-direct-plan\">Kotak Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.22%<\/td>\n<td>7.27%<\/td>\n<td>6.22%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>On a 1-year basis, this fund trails all five comparable schemes shown here. The gap is not huge versus the pack leaders, but the comparison does show that the fund has been a calmer, lower-return proposition over the last year. That is consistent with a scheme that is aiming for steadier debt-market behaviour rather than stretching for the highest recent return.<\/p>\n<p>At 3 years and 5 years, the picture becomes more balanced. The fund is behind the stronger peer figures that are available for those periods, but it remains in the same general return band. That tells us the longer-term story is one of modest and stable compounding, not of sustained outperformance. The short-term comparison and the longer-term comparison both point in the same direction: this is a restrained return profile that may appeal more for stability than for standout gains.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Net Current Assets (Including Cash &#038; Bank Balances)<\/td>\n<td>Cash &#038; Cash Equivalents and Net Assets<\/td>\n<td>10.31%<\/td>\n<\/tr>\n<tr>\n<td>Indian Bank^<\/td>\n<td>Certificate of Deposit<\/td>\n<td>7.98%<\/td>\n<\/tr>\n<tr>\n<td>Power Finance Corporation Limited**<\/td>\n<td>Corporate Debt<\/td>\n<td>7.37%<\/td>\n<\/tr>\n<tr>\n<td>Sidbi**<\/td>\n<td>Corporate Debt<\/td>\n<td>6.32%<\/td>\n<\/tr>\n<tr>\n<td>6.94% GOI 11-May-2036<\/td>\n<td>Government Securities<\/td>\n<td>6.28%<\/td>\n<\/tr>\n<tr>\n<td>Indian Railway Finance Corporation Ltd**<\/td>\n<td>Corporate Debt<\/td>\n<td>6.17%<\/td>\n<\/tr>\n<tr>\n<td>7.63% Maharashtra SDL &#8211; 27-Aug-2039<\/td>\n<td>Government Securities<\/td>\n<td>6.16%<\/td>\n<\/tr>\n<tr>\n<td>6.36% GOI 16-Feb-2031<\/td>\n<td>Government Securities<\/td>\n<td>6.12%<\/td>\n<\/tr>\n<tr>\n<td>6.8% Tamil Nadu SDL &#8211; 02-Jul-2035<\/td>\n<td>Government Securities<\/td>\n<td>4.94%<\/td>\n<\/tr>\n<tr>\n<td>Bharti Telecom Limited**<\/td>\n<td>Corporate Debt<\/td>\n<td>4.26%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest disclosed position is net current assets at 10.31%, which is a meaningful liquidity sleeve rather than a single security exposure. After that, the weights step down fairly gradually, with the tenth holding at 4.26%. That drop is not abrupt, so the portfolio does not look dominated by one or two outsized positions alone.<\/p>\n<p>The displayed ten holdings together account for 65.91% of the portfolio, and the total disclosed holding count is 19. That suggests a fairly concentrated core, but not an extremely narrow one. A mix of government securities, corporate debt, a certificate of deposit and cash-like assets may reduce dependence on any one credit or rate bet, although the biggest names can still influence short-term movement.<\/p>\n<p>Because more holdings are disclosed beyond the ten shown, the tail likely matters too. Still, the visible structure already tells us that the fund carries a substantial core of liquid and fixed-income instruments, which may support smoother behaviour than a more concentrated credit-heavy portfolio.<\/p>\n<p>The top 10 holdings account for approximately 65.91% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/hsbc-medium-to-long-term-fund-g-direct-plan\">HSBC Medium to Long Term Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund suits investors who are comfortable with a medium-risk debt scheme and want a steadier return path rather than aggressive growth. The 1-year result has been softer than the peer set, but the 3-year and 5-year numbers show the fund has remained within a moderate compounding range, with the benchmark comparison also pointing to relatively resilient behaviour in difficult stretches.<\/p>\n<p>We think the natural fit is a medium to longer holding period, where return expectations are kept realistic and stability matters more than chasing the highest recent number. The main trade-off is that the portfolio may be calmer than some peers, but that can come with less upside in stronger market phases.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Exit load: No exit load after holding period.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_HSBC_Medium_to_Long_Term_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of HSBC Medium to Long Term Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b948.9076 as of 09 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1-year return is 3.72%, the 3-year return is 6.6%, and the 5-year return is 5.3%.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_has_the_fund_done_against_its_benchmark\"><\/span>How has the fund done against its benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund has been stronger than the benchmark over 1 month and 1 year, slightly ahead over 3 years, and slightly behind over 5 years. That makes the performance picture mixed but generally resilient in shorter periods.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_the_peer_funds_listed_here\"><\/span>How does it compare with the peer funds listed here?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its 1-year return trails the peer funds shown here, while the 3-year and 5-year figures sit in the same general range as the better peer numbers that are available. The short-term and longer-term comparisons point to a steadier but less assertive return pattern.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b91,000.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_risk_category_and_fund_managers_are_listed_for_this_scheme\"><\/span>What risk category and fund managers are listed for this scheme?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The scheme is tagged as Medium Risk and is managed by Mohd Asif Rizwi and Shriram Ramanathan. Its portfolio also shows a mix of government securities, corporate debt and cash-like exposure, which supports the fund\u2019s relatively steady profile.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>HSBC Medium to Long Term Fund Direct Growth Plan looks like a restrained debt option with a mixed but stable return history. The recent 1-year performance trails the peer set, yet the longer-term record stays within a moderate compounding band and the benchmark comparison shows better resilience in weaker stretches. The portfolio\u2019s mix of government securities, corporate debt and cash-like assets may support that steadier profile. For investors who value medium-risk debt exposure and can accept muted upside, it may be a reasonable fit.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 10 September 2026 at 3:04 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"HSBC Medium to Long Term Fund Direct Growth Plan\",\"identifier\":\"hsbc-medium-to-long-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"07 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":48.9076,\"valueReference\":\"as of 09 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"48 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.67\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":3.72},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":6.6},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":5.3},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Mohd Asif Rizwi, Shriram Ramanathan\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of HSBC Medium to Long Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b948.9076 as of 09 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is 3.72%, the 3-year return is 6.6%, and the 5-year return is 5.3%.\"}},{\"@type\":\"Question\",\"name\":\"How has the fund done against its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund has been stronger than the benchmark over 1 month and 1 year, slightly ahead over 3 years, and slightly behind over 5 years. That makes the performance picture mixed but generally resilient in shorter periods.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds listed here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return trails the peer funds shown here, while the 3-year and 5-year figures sit in the same general range as the better peer numbers that are available. The short-term and longer-term comparisons point to a steadier but less assertive return pattern.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b91,000.\"}},{\"@type\":\"Question\",\"name\":\"What risk category and fund managers are listed for this scheme?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The scheme is tagged as Medium Risk and is managed by Mohd Asif Rizwi and Shriram Ramanathan. Its portfolio also shows a mix of government securities, corporate debt and cash-like exposure, which supports the fund\u2019s relatively steady profile.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>HSBC Medium to Long Term Fund Direct Growth Plan is a Medium Risk debt scheme with a \u20b948.9076 NAV, \u20b948 Cr AUM, and 1Y, 3Y, 5Y returns of 3.72%, 6.6% and 5.3% as of 09 Sep 2026.<\/p>\n","protected":false},"author":38,"featured_media":241449,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-241450","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["241449"],"rank_math_title":["HSBC Medium to Long Term Fund NAV &amp; Returns Review"],"rank_math_description":["HSBC Medium to Long Term Fund Direct Growth Plan NAV is \u20b948.9076; 1Y return is 3.72% as of 09 Sep 2026."],"rank_math_focus_keyword":["HSBC Medium to Long Term Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/HSBC_Medium_to_Long_Term_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241450","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=241450"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241450\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/241449"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=241450"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=241450"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=241450"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}