What is the NAV of JS Punjab Islamic Pension Fund today?

As of the latest market close, the Net Asset Value (NAV) of JS Punjab Islamic Pension Fund is Rs. .

Is JS Punjab Islamic Pension Fund a good mutual fund to invest in?

According to the independent ilovepsx AI Audit, JS Punjab Islamic Pension Fund has a Master Score of 10.907441016333939/100. It has generated a 1-year return of % and ranks # in the VPS-Shariah Compliant Money Market category.

What is the expense ratio and fee of JS Punjab Islamic Pension Fund?

The expense ratio for JS Punjab Islamic Pension Fund 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 Punjab Islamic Pension Fund?

The fund is currently managed by at .

Home > Mutual Funds > Debt > VPS-Shariah Compliant Money Market

JS Punjab Islamic Pension Fund

11 /100

Score Breakdown

Return (30%) 0.8

Risk Ctrl (30%) 8.7

Consistency (15%) 0.4

Cost Eff (15%) 0.8

Yield (10%) 0.5

Total AUM

Rs. 1.9B

Expense Ratio

3.79%

Category Rank

#38 of 38

✨ AI Analyst Thesis

⚖️ Neutral

Live NAV

Rs. 100.9300

0.00% 1D ▼ 2.75% YTD

Data As Of:
May 01, 2026

Interactive Performance

Growth of Rs.

Log Scale Payouts

Executive Summary

Institutional health checks and AI strategy overview.

Overall Score

11 / 100

Score Calculation Breakdown

Metric (Weight) Pts

Return (30%)

0.8

Risk Ctrl (30%)

8.7

Consistency (15%)

0.4

Cost Eff (15%)

0.8

Yield (10%)

0.5

Total Score 10.9

*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 (-2.75%) trails the category median (6.62%).
Volatile Path: Only 1 out of 36 months (3%) were positive over the last 3 years.
Expensive: Expense ratio (3.79%) is higher than the category median (0.55%).
Strong Momentum: Positive capital inflows (1761.2% AUM growth).

AI Strategy X-Ray

In May 2026, the JS Islamic Pension Savings Fund's Equity Sub‑Fund delivered a solid 6.50% monthly return, closely tracking the KMI‑30 Index amid a rebound in Pakistan's equity market driven by improving investor sentiment after the IMF program review and tentative Middle‑East de‑escalation. The fund’s performance benefited from a modest overweight to oil & gas and fertilizer sectors, which led the market advance, while domestic macro‑headwinds—rising inflation to 11.7% and external account pressures—kept the overall environment cautious. Relative to its benchmark, the fund exhibited roughly inline performance, reflecting a balanced approach that captured market upside without taking excessive risk.

Key Manager Actions

Compared with the prior month, the manager increased the weight in Oil & Gas Exploration Companies from 20.2% to 22.1%, capitalizing on stronger earnings visibility and higher commodity prices. Simultaneously, the allocation to Commercial Banks was trimmed slightly from 9.6% to 9.5%, reflecting a cautious stance on financial sector valuations amid rising inflation.
The fund’s monthly return of 6.50% outpaced the Money Market Sub‑Fund’s 9.00% yield on a risk‑adjusted basis, demonstrating that equity‑driven gains are contributing meaningfully to overall pension growth. Year‑to‑date, the Equity Sub‑Fund has generated a robust 19.99% return, far exceeding the debt and money‑market sub‑funds and highlighting the growth potential of the Shariah‑compliant equity basket.
Looking ahead, the manager anticipates continued volatility as inflation remains sticky and external account pressures persist, but expects the equity portfolio to benefit from any further easing in geopolitical tensions and potential monetary‑policy stabilization. Consequently, the strategy will maintain a selective overweight to high‑dividend, low‑beta sectors while preserving liquidity to navigate near‑term market swings.

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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