Is Mahaana IGI Islamic Retirement Fund (Debt Sub-Fund) - IGI Life Insurance a good mutual fund to invest in?

According to the independent ilovepsx AI Audit, Mahaana IGI Islamic Retirement Fund (Debt Sub-Fund) - IGI Life Insurance has a Master Score of 38.71848739495798/100. It has generated a 1-year return of % and ranks # in the VPS-Shariah Compliant Debt category.

What is the expense ratio and fee of Mahaana IGI Islamic Retirement Fund (Debt Sub-Fund) - IGI Life Insurance?

The expense ratio for Mahaana IGI Islamic Retirement Fund (Debt Sub-Fund) - IGI Life Insurance 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 Mahaana IGI Islamic Retirement Fund (Debt Sub-Fund) - IGI Life Insurance?

The fund is currently managed by at .

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Mahaana IGI Islamic Retirement Fund (Debt Sub-Fund) - IGI Life Insurance

Q: What is the NAV of Mahaana IGI Islamic Retirement Fund (Debt Sub-Fund) - IGI Life Insurance today?

As of the latest market close, the Net Asset Value (NAV) of Mahaana IGI Islamic Retirement Fund (Debt Sub-Fund) - IGI Life Insurance is Rs. .

39 /100

Score Breakdown

Return (30%) 14.1

Risk Ctrl (30%) 17.6

Consistency (15%) 2.6

Cost Eff (15%) 1.1

Yield (10%) 3.5

Total AUM

Rs. 150M

Expense Ratio

1.66%

Category Rank

#10 of 17

✨ AI Analyst Thesis

🐂 Bullish

Live NAV

Rs. 11.3900

0.00% 1D ▲ 6.25% 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

39 / 100

Score Calculation Breakdown

Metric (Weight) Pts

Return (30%)

14.1

Risk Ctrl (30%)

17.6

Consistency (15%)

2.6

Cost Eff (15%)

1.1

Yield (10%)

3.5

Total Score 38.7

*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 (6.15%) trails the category median (6.43%).
Volatile Path: Only 18 out of 36 months (49%) were positive over the last 3 years.
Expensive: Expense ratio (1.66%) is higher than the category median (0.51%).
Red Flag: Significant capital outflows detected (-59.7% drop in AUM).

AI Strategy X-Ray

The Debt Sub-Fund outperformed its benchmark in July 2026, delivering a 10.56% MTD return versus 9.69% for the benchmark, and maintained a positive YTD spread of 0.87%. This outperformance was driven by a sharp decline in headline inflation to single digits, which restored positive real interest rates, and the S&P sovereign rating upgrade that lowered perceived credit risk. Geopolitical tensions from US‑Iran airstrikes kept oil prices elevated, but the fund’s heavy weighting in GoP Ijarah Sukuks insulated it from equity market volatility.

Key Manager Actions

The fund materially rebalanced its portfolio in July, increasing GoP Ijarah Sukuks from 18.5% in June to 63.2% while reducing bank deposits from 72.8% to 21.1%, reflecting a tactical shift toward higher‑yielding sovereign instruments.
Monthly and yearly returns consistently exceeded the benchmark: MTD 10.56% vs 9.69%, YTD 10.56% vs 9.69%, and 1‑year 9.85% vs 9.80%, demonstrating the manager’s ability to generate alpha in a declining‑inflation environment.
Looking ahead, steady inflation trends and the held policy rate at 11.5% should sustain attractive real returns on sukuk, though escalating geopolitical risks could reintroduce oil‑price volatility; the fund’s sukuk‑heavy stance provides a buffer against such shocks.

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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