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

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

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

According to the independent ilovepsx AI Audit, HBL Financial Sector Income Fund Plan II - HBL AMC has a Master Score of 41.72406082289803/100. 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 II - HBL AMC?

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

The fund is currently managed by at .

Home > Mutual Funds > Debt > Income

HBL Financial Sector Income Fund Plan II - HBL AMC

42 /100

Score Breakdown

Return (30%) 4.0

Risk Ctrl (30%) 28.8

Consistency (15%) 1.2

Cost Eff (15%) 6.6

Yield (10%) 2.3

Total AUM

Rs. 4.2B

Expense Ratio

1.30%

Category Rank

#46 of 52

✨ AI Analyst Thesis

⚖️ Neutral

Live NAV

Rs. 102.7200

0.00% 1D 0.00% 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

42 / 100

Score Calculation Breakdown

Metric (Weight) Pts

Return (30%)

4.0

Risk Ctrl (30%)

28.8

Consistency (15%)

1.2

Cost Eff (15%)

6.6

Yield (10%)

2.3

Total Score 41.7

*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 (0.00%) trails the category median (5.80%).
Volatile Path: Only 5 out of 36 months (15%) 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

HBL Income Fund posted an annualized return of 9.77% for July 2026, underperforming its benchmark over short horizons but delivering stronger three- and five-year performance versus the benchmark. The fund’s AUM contracted to PKR 4,182 million amid redemptions, while the weighted average maturity was extended to 150 days to capture higher yields in a rising rate environment. Macro conditions featured elevated inflation at 9.2% YoY, a steady SBP policy rate at 11.5%, and improving external balances, which together supported a cautiously optimistic outlook for fixed income returns.

Key Manager Actions

The manager extended the portfolio’s weighted average maturity from 64 to 150 days during July, signaling a shift to lock in higher yields as inflation remains elevated and the policy rate holds steady at 11.5%. This extension aims to enhance income capture while managing reinvestment risk in a stable‑rate environment.
Annualized returns of 9.77% lagged the 3‑month and 6‑month benchmark returns (11.03% and 10.87%) but surpassed the 3‑year and 5‑year benchmarks, highlighting the fund’s ability to add value over longer horizons despite short‑term headwinds. The outperformance over multi‑year periods reflects the fund’s skill in navigating credit cycles and benefiting from the steepening yield curve.
Looking ahead, the fund is positioned to benefit from any further increase in yields, while its low duration and high government‑security allocation provide a buffer against potential rate volatility and credit stress. Conversely, persistent inflation and geopolitical tensions could pressure returns, prompting the manager to maintain a defensive stance with ample liquidity buffers.

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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