What is the NAV of HBL Mehfooz Munafa Fund Plan XV today?

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

Is HBL Mehfooz Munafa Fund Plan XV a good mutual fund to invest in?

According to the independent ilovepsx AI Audit, HBL Mehfooz Munafa Fund Plan XV has a Master Score of 46.44017387325555/100. 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 XV?

The expense ratio for HBL Mehfooz Munafa Fund Plan XV 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 XV?

The fund is currently managed by at .

Home > Mutual Funds > Fixed Income > Fixed Rate / Return

HBL Mehfooz Munafa Fund Plan XV

46 /100

Score Breakdown

Return (30%) 5.3

Risk Ctrl (30%) 27.0

Consistency (15%) 1.2

Cost Eff (15%) 11.7

Yield (10%) 4.4

Total AUM

Rs. 8.9B

Expense Ratio

0.09%

Category Rank

#68 of 94

✨ AI Analyst Thesis

⚖️ Neutral

Live NAV

Rs. 102.4900

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

46 / 100

Score Calculation Breakdown

Metric (Weight) Pts

Return (30%)

5.3

Risk Ctrl (30%)

27.0

Consistency (15%)

1.2

Cost Eff (15%)

11.7

Yield (10%)

4.4

Total Score 46.4

*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 (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 (0.09%) is below the category median (0.17%).
Strong Momentum: Positive capital inflows (378.7% AUM growth).

AI Strategy X-Ray

The HBL Mehfooz Munafa Fund Plan 11 delivered stable returns in line with its objective of capital preservation, generating an annualized return close to its committed rate of 10.91% amid a high-inflation environment. The fund's performance closely tracked its benchmark, which mirrors the yield of government securities matching the plan's maturity, reflecting minimal tracking error. Macro‑economic conditions—headline inflation at 9.2% YoY and the SBP holding the policy rate at 11.5%—provided a supportive backdrop for short‑term government yields, allowing the fund to maintain its fixed‑rate profile. Overall, the fund achieved its goal of protecting principal while offering a competitive, inflation‑adjusted return.

Key Manager Actions

Over the month, the fund marginally increased its T‑bill exposure from 99.42% to 99.60% while reducing cash from 0.57% to 0.05%, reflecting a deliberate shift to lock in higher yields. This reallocation was driven by the SBP’s steady policy rate and the fund’s desire to maximize accrual income without compromising capital safety.
The fund’s annualized return remained steady at around 10.80%‑10.95%, closely tracking the benchmark’s yield and offering investors a real return after accounting for 9.2% inflation. The modest expense ratio of 0.09% ensured that most of the gross yield was passed through to unit holders.
Looking ahead, the manager expects to maintain the heavy T‑bill bias as long as inflation remains elevated and the SBP holds rates steady, preserving the fund’s capital‑preservation stance. Any shift in monetary policy or a sudden drop in inflation would prompt a tactical re‑evaluation of the maturity profile to capture optimal yields.

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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