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

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

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

According to the independent ilovepsx AI Audit, AL Habib Government Securities Fund - AL Habib AMC has a Master Score of 47.72361359570662/100. It has generated a 1-year return of % and ranks # in the Income category.

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

The expense ratio for AL Habib Government Securities 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 Government Securities Fund - AL Habib AMC?

The fund is currently managed by at .

Home > Mutual Funds > Debt > Income

AL Habib Government Securities Fund - AL Habib AMC

48 /100

Score Breakdown

Return (30%) 15.0

Risk Ctrl (30%) 6.9

Consistency (15%) 10.7

Cost Eff (15%) 9.1

Yield (10%) 5.0

Total AUM

Rs. 11.3B

Expense Ratio

0.92%

Category Rank

#27 of 52

✨ AI Analyst Thesis

⚖️ Neutral

Live NAV

Rs. 101.6300

0.00% 1D ▲ 4.81% YTD

Data As Of:
June 01, 2026

Interactive Performance

Growth of Rs.

Log Scale Payouts

Executive Summary

Institutional health checks and AI strategy overview.

Overall Score

48 / 100

Score Calculation Breakdown

Metric (Weight) Pts

Return (30%)

15.0

Risk Ctrl (30%)

6.9

Consistency (15%)

10.7

Cost Eff (15%)

9.1

Yield (10%)

5.0

Total Score 47.7

*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 (6.12%) trails the category median (6.14%).
High Consistency: 34 out of 36 months (95%) were positive over the last 3 years.
Cost Effective: Expense ratio (0.92%) is below the category median (1.12%).
Red Flag: Significant capital outflows detected (-14.2% drop in AUM).

AI Strategy X-Ray

The AL Habib Government Securities Fund posted a YTD return of 10.29%, lagging its benchmark by 53 basis points, as the fund's conservative duration positioning limited gains amid a falling yield curve. Macro‑economic conditions in June 2026 featured an unchanged SBP policy rate at 11.5%, rising headline inflation to 11.1% YoY, and a bull‑flattening yield curve that pushed short‑term T‑bill yields down to around 11.8%. Despite the challenging interest‑rate environment, the fund maintained a low‑risk profile by staying heavily invested in government securities, which provided stability but capped upside relative to the benchmark's slightly higher yield exposure.

Key Manager Actions

The fund increased its allocation to GOP Ijarah Sukuk to roughly 27.5% of assets, shifting part of the portfolio from conventional T‑bills and PIBs toward Shariah‑compliant sovereign instruments to enhance yield while maintaining credit quality. This reallocation contributed to the fund's YTD return of 10.29%, though the benchmark's slightly higher exposure to longer‑dated PIBs allowed it to outperform by 53 bps during the period. Looking ahead, the fund expects to benefit from the anticipated downward shift in interest rates, which should boost the market value of its fixed‑rate sukuk and PIB holdings, potentially narrowing the performance gap with the benchmark.
With a duration of only 0.24 years, the fund is positioned to experience limited price volatility even if yields continue to decline, providing a stable return stream amid rising inflation. The short WAM of 172 days ensures frequent reinvestment at prevailing market rates, allowing the fund to capture higher yields as the yield curve normalizes. These characteristics keep the fund's risk profile aligned with its moderate mandate, offering investors a low‑volatility avenue for government‑sector exposure.
exposure.
Macro‑indicators point to a gradual easing of monetary policy as inflation pressures are expected to moderate over the coming months, which should support a steeper yield curve and higher returns for longer‑duration assets. The fund's active management may gradually extend duration toward the benchmark's profile to capture additional yield while staying within its risk limits. Overall, the outlook is cautiously optimistic, with the potential for improved relative performance if the fund tactically adjusts its interest‑rate exposure in line with evolving SBP policy.

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)

--%

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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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