What is the NAV of AL Habib Fixed Return Fund Plan 26 - AL Habib AMC today?

As of the latest market close, the Net Asset Value (NAV) of AL Habib Fixed Return Fund Plan 26 - AL Habib AMC is Rs. .

Is AL Habib Fixed Return Fund Plan 26 - AL Habib AMC a good mutual fund to invest in?

According to the independent ilovepsx AI Audit, AL Habib Fixed Return Fund Plan 26 - AL Habib AMC has a Master Score of 58.40476372048095/100. It has generated a 1-year return of % and ranks # in the Fixed Rate / Return category.

What is the expense ratio and fee of AL Habib Fixed Return Fund Plan 26 - AL Habib AMC?

The expense ratio for AL Habib Fixed Return Fund Plan 26 - 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 Fixed Return Fund Plan 26 - AL Habib AMC?

The fund is currently managed by at .

Home > Mutual Funds > Debt > Fixed Rate / Return

AL Habib Fixed Return Fund Plan 26 - AL Habib AMC

58 /100

Score Breakdown

Return (30%) 12.6

Risk Ctrl (30%) 22.7

Consistency (15%) 5.1

Cost Eff (15%) 14.3

Yield (10%) 4.4

Total AUM

Rs. --M

Expense Ratio

0.00%

Category Rank

#55 of 94

✨ AI Analyst Thesis

⚖️ Neutral

Live NAV

Rs. 100.0000

0.00% 1D ▲ 0.41% 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

58 / 100

Score Calculation Breakdown

Metric (Weight) Pts

Return (30%)

12.6

Risk Ctrl (30%)

22.7

Consistency (15%)

5.1

Cost Eff (15%)

14.3

Yield (10%)

4.4

Total Score 58.4

*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 (0.35%) trails the category median (0.95%).
Volatile Path: Only 3 out of 36 months (8%) were positive over the last 3 years.
Cost Effective: Expense ratio (0.00%) is below the category median (0.17%).
Red Flag: Significant capital outflows detected (-100.0% drop in AUM).

AI Strategy X-Ray

The AL Habib Fixed Return Fund Plan 26 delivered stable returns in line with its promised fixed rate, as the fund's holdings of government securities insulated it from equity market volatility. Amid rising headline inflation to 11.15% YoY and an upward shift in the PIB yield curve, the fund's net asset value remained steady, reflecting its low‑duration, hold‑to‑maturity strategy. Compared to the benchmark (e.g., 6‑month PKRV), which rose with the policy rate, the fund posted a modest outperformance due to its locked‑in coupon income. The macro environment of widening trade deficit and stable KSE‑100 performance did not materially affect the fund's low‑risk profile.

Key Manager Actions

The fund increased its allocation to longer‑tenor PIBs during August, taking advantage of the upward‑sloping yield curve that saw 3‑year to 15‑year yields rise by 10‑15 bps. This shift locked in higher coupon income while keeping the overall portfolio duration low due to a barbell approach.
Despite the rise in headline inflation to 11.15% YoY, the fund’s fixed‑rate structure delivered steady accrual income, resulting in a stable NAV and a modest outperformance versus the 6‑month PKRV benchmark. Reinvestment risk remains the key concern, as maturing securities are rolled over at prevailing higher rates.
Looking ahead, the SBP’s cautious monetary stance and persistent external account pressures suggest yields may stay elevated, supporting the fund’s return prospects. The manager expects to maintain the current asset mix, focusing on high‑quality government securities to continue delivering the promised stable return.

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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