What is the NAV of JS Microfinance Sector Fund - JS Investments Limited today?

As of the latest market close, the Net Asset Value (NAV) of JS Microfinance Sector Fund - JS Investments Limited is Rs. .

Is JS Microfinance Sector Fund - JS Investments Limited a good mutual fund to invest in?

According to the independent ilovepsx AI Audit, JS Microfinance Sector Fund - JS Investments Limited has a Master Score of 82.96064400715562/100. It has generated a 1-year return of % and ranks # in the Income category.

What is the expense ratio and fee of JS Microfinance Sector Fund - JS Investments Limited?

The expense ratio for JS Microfinance Sector Fund - JS Investments Limited 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 JS Microfinance Sector Fund - JS Investments Limited?

The fund is currently managed by at .

Home > Mutual Funds > Debt > Income

JS Microfinance Sector Fund - JS Investments Limited

83 /100

Score Breakdown

Return (30%) 26.5

Risk Ctrl (30%) 27.7

Consistency (15%) 14.6

Cost Eff (15%) 4.9

Yield (10%) 8.7

Total AUM

Rs. 35.4B

Expense Ratio

1.56%

Category Rank

#7 of 52

✨ AI Analyst Thesis

🐂 Bullish

Live NAV

Rs. 123.5000

0.00% 1D ▲ 8.00% YTD

Data As Of:
June 01, 2026

Interactive Performance

Growth of Rs.

Log Scale Payouts

Executive Summary

Institutional health checks and AI strategy overview.

Overall Score

83 / 100

Score Calculation Breakdown

Metric (Weight) Pts

Return (30%)

26.5

Risk Ctrl (30%)

27.7

Consistency (15%)

14.6

Cost Eff (15%)

4.9

Yield (10%)

8.7

Total Score 83.0

*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.
Outperforming: 1Y Return (7.94%) beats the category median (5.80%).
High Consistency: 36 out of 36 months (100%) were positive over the last 3 years.
Expensive: Expense ratio (1.56%) is higher than the category median (1.16%).
Strong Momentum: Positive capital inflows (34.1% AUM growth).

AI Strategy X-Ray

In June 2026, the JS Microfinance Sector Fund posted a 1-month return of 12.79%, outpacing its benchmark's 11.39% as easing geopolitical tensions and a supportive FY27 Budget bolstered investor confidence. The fund's performance was buoyed by declining government bond yields and a modest uptick in equity markets, which together lifted returns on its substantial cash and PIB holdings. Over the medium term, the fund has consistently edged out the benchmark, delivering 3-year annualized returns of 17.66% versus 17.35% for the benchmark, reflecting a defensive yet slightly accretive positioning. Overall, macroeconomic stabilization in Pakistan—marked by falling inflation to 11.1% YoY and improved sovereign ratings—has created a favorable backdrop for the fund's income-oriented strategy.

Key Manager Actions

The fund has markedly increased its cash and PIB allocations to over 80% of total assets, while trimming its already modest exposure to microfinance TFCs/Sukuks to under 1%. This shift reflects a defensive stance geared toward preserving capital as inflation eases and policy rates hold steady.
June’s performance showed the fund outperforming its benchmark by 140 basis points in one‑month terms and maintaining a slight edge over longer horizons. The outperformance is attributable to higher yields on cash placements and the capital‑gain component from declining bond yields.
Looking ahead, the manager intends to gradually re‑introduce microfinance‑linked securities as credit conditions improve and the sector’s yield spread becomes more attractive. Such a tactical tilt aims to enhance returns without compromising the fund’s medium‑risk profile, aligning with the anticipated stabilization of Pakistan’s macroeconomic environment.

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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