What is the NAV of HBL Financial Sector Income Fund Plan I - HBL AMC today?

As of the latest market close, the Net Asset Value (NAV) of HBL Financial Sector Income Fund Plan I - HBL AMC is Rs. .

Is HBL Financial Sector Income Fund Plan I - HBL AMC a good mutual fund to invest in?

According to the independent ilovepsx AI Audit, HBL Financial Sector Income Fund Plan I - HBL AMC has a Master Score of 48.35867620751342/100. It has generated a 1-year return of % and ranks # in the Income category.

What is the expense ratio and fee of HBL Financial Sector Income Fund Plan I - HBL AMC?

The expense ratio for HBL Financial Sector Income Fund Plan I - HBL 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 HBL Financial Sector Income Fund Plan I - HBL AMC?

The fund is currently managed by at .

Home > Mutual Funds > Debt > Income

HBL Financial Sector Income Fund Plan I - HBL AMC

48 /100

Score Breakdown

Return (30%) 15.0

Risk Ctrl (30%) 7.5

Consistency (15%) 12.5

Cost Eff (15%) 6.6

Yield (10%) 4.2

Total AUM

Rs. 4.2B

Expense Ratio

1.30%

Category Rank

#27 of 52

✨ AI Analyst Thesis

⚖️ Neutral

Live NAV

Rs. 104.6500

0.00% 1D ▲ 5.84% YTD

Data As Of:
July 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%)

7.5

Consistency (15%)

12.5

Cost Eff (15%)

6.6

Yield (10%)

4.2

Total Score 48.4

*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 (5.78%) trails the category median (5.80%).
High Consistency: 35 out of 36 months (97%) were positive over the last 3 years.
Expensive: Expense ratio (1.30%) is higher than the category median (1.16%).
Red Flag: Significant capital outflows detected (-32.8% drop in AUM).

AI Strategy X-Ray

In July 2026, HBL Income Fund delivered an annualized return of 9.77%, trailing its benchmark of 6M AA bank savings rate which returned 11.03% over the same period. The fund’s performance was anchored by a steady allocation to government securities, with T-Bills and PIBs comprising roughly two-thirds of the portfolio, while cash holdings provided liquidity amid rising inflation. Macro‑economic conditions remained challenging, as headline inflation climbed to 9.2% YoY and the SBP held the policy rate at 11.5%, limiting upside for fixed‑income yields. Despite a cautious economic recovery signaled by improving private‑sector credit and stable external reserves, the fund’s slightly longer weighted average maturity of 150 days did not translate into outperformance relative to the benchmark.

Key Manager Actions

Over the month, the fund increased its weighted average maturity from 64 days to 150 days, signaling a deliberate shift toward longer‑dated PIBs to lock in higher yields. Concurrently, cash holdings were reduced from 78.58% to 26.41% as the manager re‑allocated proceeds into government securities to improve income generation.
Despite the duration extension, the fund’s annualized return of 9.77% lagged the benchmark’s 11.03%, reflecting the impact of higher‑cost financing and a modest corporate‑bond allocation. The yield advantage from the longer‑dated PIBs was partially offset by rising inflation expectations, which eroded real returns and kept the fund’s spread over the benchmark narrow.
Looking ahead, the manager expects the SBP to maintain a cautious policy stance, keeping yields range‑bound as inflation gradually eases and external reserves strengthen. Should the yield curve steepen further, the fund’s increased duration positioning could capture additional accretive returns, while a continued focus on high‑quality government paper will aim to preserve capital amid any market volatility.

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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