What is the NAV of AL Habib Cash Fund - AL Habib AMC today?

As of the latest market close, the Net Asset Value (NAV) of AL Habib Cash Fund - AL Habib AMC is Rs. .

Is AL Habib Cash Fund - AL Habib AMC a good mutual fund to invest in?

According to the independent ilovepsx AI Audit, AL Habib Cash Fund - AL Habib AMC has a Master Score of 35.02155172413793/100. It has generated a 1-year return of % and ranks # in the Money Market category.

What is the expense ratio and fee of AL Habib Cash Fund - AL Habib AMC?

The expense ratio for AL Habib Cash Fund - AL Habib AMC is %. Over a 10-year period, this fee structure will create a noticeable drag on wealth compounding compared to category medians.

Who is the fund manager for AL Habib Cash Fund - AL Habib AMC?

The fund is currently managed by at .

Home > Mutual Funds > Debt > Money Market

AL Habib Cash Fund - AL Habib AMC

35 /100

Score Breakdown

Return (30%) 11.8

Risk Ctrl (30%) 5.2

Consistency (15%) 8.8

Cost Eff (15%) 4.4

Yield (10%) 8.6

Total AUM

Rs. 83.2B

Expense Ratio

1.19%

Category Rank

#18 of 29

✨ AI Analyst Thesis

⚖️ Neutral

Live NAV

Rs. 104.0700

▲ 0.04% 1D ▲ 6.25% YTD

Data As Of:
August 01, 2026

Interactive Performance

Growth of Rs.

Log Scale Payouts

Executive Summary

Institutional health checks and AI strategy overview.

Overall Score

35 / 100

Score Calculation Breakdown

Metric (Weight) Pts

Return (30%)

11.8

Risk Ctrl (30%)

5.2

Consistency (15%)

8.8

Cost Eff (15%)

4.4

Yield (10%)

8.6

Total Score 35.0

*Score is calculated using a weighted average of the fund's percentile rankings against peers.

Fund DNA X-Ray

How DNA is Scored

Return: 1-Year trailing return percentile vs category peers.
Risk Ctrl: Inverted volatility percentile. A higher score means it is safer than peers.
Consistency: % of positive returning months over 3 years.
Cost Eff: Expense ratio percentile. A higher score means it is cheaper than peers.
Yield: 7-Day annualized yield percentile.

*All dimensions map from 0 to 100. A larger, more balanced shape indicates a superior all-weather fund.

Hover chart to view raw metrics.

Health Checks

Clean Portfolio: Zero non-compliant or provisioned assets detected.
Underperforming: 1Y Return (6.20%) trails the category median (6.44%).
High Consistency: 35 out of 36 months (97%) were positive over the last 3 years.
Expensive: Expense ratio (1.19%) is higher than the category median (0.88%).

AI Strategy X-Ray

The AL Habib Cash Fund delivered a year-to-date return of 10.44%, underperforming its benchmark by 84 basis points as the benchmark returned 11.28% over the same period. This performance occurred amid a tightening monetary policy environment, with the SBP raising policy rates and the yield curve shifting upward across all tenors, pushing short-term government security yields to around 11.94% YTM. Headline inflation remained elevated at 11.15% YoY in August 2026, reinforcing the central bank’s cautious stance on near-term easing. Despite the underperformance, the fund’s ultra‑low risk profile and high liquidity continue to provide capital preservation in a volatile macroeconomic backdrop.

Key Manager Actions

Between July and August 2026, the fund reduced its exposure to Treasury Bills from 66.55% to 37.60% while increasing Pakistan Investment Bonds from 11.99% to 43.05%, reflecting a strategic shift toward longer‑dated government paper. Simultaneously, cash holdings fell from 5.98% to 3.72% and the ‘Others’ segment rose modestly to 1.23%, indicating a rebalancing toward higher‑yielding PIBS amid an upward‑sloping yield curve.
The fund’s yield to maturity stood at 11.94% at month‑end, providing the underlying income that drove a year‑to‑date return of 10.44% after expenses. Despite the attractive absolute yield, the fund lagged its benchmark by 84 basis points, largely due to a slightly lower average duration and a higher cash drag during the month.
Looking ahead, the continued upward shift in the yield curve and the SBP’s reluctance to cut rates in the near term suggest opportunities to lock in higher reinvestment yields as existing securities mature. However, persistent inflationary pressures and external account vulnerabilities may keep monetary policy restrictive, which should benefit the fund’s returns while maintaining its low‑risk character.

Performance vs. Peers

Trailing absolute returns and consistency analysis.

Sleep Well Metric

Trailing Returns vs Benchmark

Top Tier Alternatives

Algorithmic recommendations based on Master Score and Category performance.

Portfolio X-Ray

Behavioral analysis, historical allocations, and conviction tracking.

AI Reading the Tea Leaves

The Asset River (12M History)

Market Timing Visualizer

Concentration Style

Top 10 Holdings Weight: --%

Broad/Index Aggressive Focus

Manager's Playbook (1M Delta)

Holdings DNA

Click a holding to view history

Risk & Quant Desk

Institutional engine diagnostics, crash testing, and momentum analysis.

The Magic Quadrant (Risk vs Return)

Plots the fund (Orange) against all peers (Gray) over a 1Y period. The dashed crosshairs represent the category average. The top-left quadrant represents high returns with low volatility.

AI Analyst Note

Engine Diagnostics

Internal structural metrics unique to this fund's macro class (Equity vs Debt).

Market Capture

Measures the fund's performance in bull (Up) vs bear (Down) markets. A ratio > 100% on the green side means it outpaces the market when it rises.

Trend & Momentum

RSI measures short-term momentum (overbought/oversold). SMA (Simple Moving Average) tracks medium-to-long term trends.

Yield & Income Stream

Payout reliability, capital preservation, and cashflow simulation.

Current Income Profile

Evaluates annualized yield vs category peers and checks if the underlying NAV is preserving its value while paying out.

Annualized Yield (7D)

--%

--

Income Health Checks

The "Truth" Chart: NAV vs Payouts

Shows historical dividend payouts alongside the fund's NAV. Beware of "Yield Traps" where the fund pays high dividends but the NAV line steadily bleeds downward over time.

Payout Consistency (3 Years)

Green = Payout Issued

--

Passive Income Simulator

If I Invest Today (PKR)

Estimated Monthly

Rs. 0

Estimated Yearly

Rs. 0

Based on current annualized 7D yield. Not guaranteed. Assumes constant rate.

Audit & Governance Desk

Fee drag simulation, operational security, and historical FMR vault.

The "Fee Drag" Wealth Simulator

Projects the impact of the fund's Expense Ratio on a Rs. 1,000,000 investment over 10 years, assuming a baseline 15% gross market return. The red area is wealth permanently lost to management fees.

Expense Ratio

--%

Front/Back Loads

--

10Y Wealth Lost to Fees

--

Total Assets Under Mgt

Rs. --

Million

--

Category Scale

Compares this fund's size against all other funds in the same category to gauge liquidity and popularity.

Category High Rs. --M

Category Avg Rs. --M

Category Low Rs. --M

Fund Manager

--

Independent Trustee

--

Holds the physical assets. Prevents the AMC from absconding with funds.

Auditor

--

Verifies NAV math and prevents internal accounting fraud.

Pricing Mechanism

--

Forward pricing executes your trade at the next calculated EOD price.

The Manager's Dossier

Leadership track record, portfolio empire, and turnover risk.

The FMR Time Machine

Historical Vault

Select a Report

Browse the timeline to view historical PDFs and AI Insights.

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