What is the NAV of HBL Mehfooz Munafa Fund Plan XII - HBL AMC today?

As of the latest market close, the Net Asset Value (NAV) of HBL Mehfooz Munafa Fund Plan XII - HBL AMC is Rs. .

Is HBL Mehfooz Munafa Fund Plan XII - HBL AMC a good mutual fund to invest in?

According to the independent ilovepsx AI Audit, HBL Mehfooz Munafa Fund Plan XII - HBL AMC has a Master Score of 42.92165535473703/100. It has generated a 1-year return of % and ranks # in the Fixed Rate / Return category.

What is the expense ratio and fee of HBL Mehfooz Munafa Fund Plan XII - HBL AMC?

The expense ratio for HBL Mehfooz Munafa Fund Plan XII - 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 Mehfooz Munafa Fund Plan XII - HBL AMC?

The fund is currently managed by at .

Home > Mutual Funds > Debt > Fixed Rate / Return

HBL Mehfooz Munafa Fund Plan XII - HBL AMC

43 /100

Score Breakdown

Return (30%) 5.3

Risk Ctrl (30%) 27.0

Consistency (15%) 1.2

Cost Eff (15%) 8.1

Yield (10%) 4.4

Total AUM

Rs. 8.9B

Expense Ratio

0.17%

Category Rank

#68 of 94

✨ AI Analyst Thesis

⚖️ Neutral

Live NAV

Rs. 100.1100

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

43 / 100

Score Calculation Breakdown

Metric (Weight) Pts

Return (30%)

5.3

Risk Ctrl (30%)

27.0

Consistency (15%)

1.2

Cost Eff (15%)

8.1

Yield (10%)

4.4

Total Score 42.9

*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 (0.95%).
Volatile Path: Only 0 out of 36 months (0%) were positive over the last 3 years.
Cost Effective: Expense ratio (0.17%) is below the category median (0.17%).
Strong Momentum: Positive capital inflows (378.7% AUM growth).

AI Strategy X-Ray

In July 2026, HBL Mehfooz Munafa Fund Plan 11 delivered a stable monthly return in line with its benchmark, reflecting its mandate to preserve capital while offering a fixed rate of return. The fund's performance was supported by the State Bank of Pakistan's decision to hold the policy rate at 11.5%, which kept money market yields relatively steady. Despite rising inflation and geopolitical uncertainties, the fund's heavy allocation to short‑term government T‑bills insulated it from volatility. Overall, the plan achieved a modest positive return, meeting its objective of protecting the principal amount.

Key Manager Actions

There were no material shifts in the fund’s allocation during July 2026, as the manager continued to maintain a near‑full exposure to Treasury Bills. The slight increase in cash holdings from 0.05% to 0.57% (as shown in the prior month) reflects a modest liquidity buffer ahead of the upcoming maturity date.
The fund’s monthly return remained anchored to the prevailing T‑bill yield, delivering a steady accrual that closely tracks the benchmark’s money‑market return. Despite a rise in headline inflation to 9.2% YoY, the fixed‑rate structure insulated investors from purchasing‑power erosion over the short investment horizon.
Looking ahead, the manager expects to keep the portfolio concentrated in short‑term government securities as the State Bank is likely to maintain a cautious stance amid elevated inflation. This approach should continue to provide capital protection and a predictable yield, aligning with the fund’s objective to return the principal plus a fixed return at maturity.

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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