What is the NAV of HBL Islamic Income Fund - HBL AMC today?

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

Is HBL Islamic Income Fund - HBL AMC a good mutual fund to invest in?

According to the independent ilovepsx AI Audit, HBL Islamic Income Fund - HBL AMC has a Master Score of 14.65151515151515/100. It has generated a 1-year return of % and ranks # in the Shariah Compliant Income category.

What is the expense ratio and fee of HBL Islamic Income Fund - HBL AMC?

The expense ratio for HBL Islamic Income Fund - 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 Islamic Income Fund - HBL AMC?

The fund is currently managed by at .

Home > Mutual Funds > Debt > Shariah Compliant Income

HBL Islamic Income Fund - HBL AMC

15 /100

Score Breakdown

Return (30%) 1.4

Risk Ctrl (30%) 4.0

Consistency (15%) 1.0

Cost Eff (15%) 7.7

Yield (10%) 1.4

Total AUM

Rs. 4.2B

Expense Ratio

1.30%

Category Rank

#43 of 45

✨ AI Analyst Thesis

⚖️ Neutral

Live NAV

Rs. 107.1500

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

15 / 100

Score Calculation Breakdown

Metric (Weight) Pts

Return (30%)

1.4

Risk Ctrl (30%)

4.0

Consistency (15%)

1.0

Cost Eff (15%)

7.7

Yield (10%)

1.4

Total Score 14.7

*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 (5.53%).
Volatile Path: Only 9 out of 36 months (26%) were positive over the last 3 years.
Cost Effective: Expense ratio (1.30%) is below the category median (1.30%).
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 strong outperformance over three- and five-year periods. The fund's AUM contracted to PKR 4,182 million amid a 49.7% month-on-month decline, reflecting profit-taking in a rising-rate environment. Macroeconomic conditions remained challenging, with headline inflation at 9.2% YoY and the SBP holding the policy rate at 11.5%, yet external reserves improved and GDP growth prospects stayed positive. These dynamics kept yields elevated, supporting the fund's income generation while limiting price appreciation.

Key Manager Actions

Cash allocation dropped sharply from 78.58% in June to 26.41% in July, while T-bill holdings rose to 33.96% and PIBs increased to 32.66%, indicating a re-deployment of liquidity into higher-yielding government securities. This shift reflects the fund manager's response to the steady policy rate and an attempt to lock in attractive yields before any potential rate changes.
Despite the benchmark's 3-month return of 11.26%, the fund delivered 10.59% annualized, a modest shortfall driven by its larger cash buffer and lower-duration profile. Over longer horizons, the fund's 3-year and 5-year returns of 17.58% and 20.30% comfortably exceed the benchmark's 15.10% and 15.14%, showcasing the compounding benefit of its income-focused strategy.
With inflation projected to ease modestly and the SBP likely to maintain a cautious stance, yields on government paper are expected to remain supportive of the fund's income generation. However, any resurgence in geopolitical tensions or unexpected inflation spikes could pressure returns, warranting a vigilant approach to duration and credit quality.

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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