Incorporated in February 2006, HBL Asset Management Limited (HBL AMC) is a wholly owned subsidiary of Habib Bank Limited, one of the oldest and largest commercial bank of Pakistan. HBL AMC is licensed to provide asset management, investment advisory & wealth management solutions to institutional & individual clients from over 400 locations throughout Pakistan. 

With the team of experienced, qualified & professional management team, investment advisors and fund managers, HBL AMC is being entrusted to have maintaining investment accounts of over 54,000* clients including both retail and corporate clients. 

The company launched its first open ended fund in 2007, developing a track record of strong and consistent growth over the past decade. Today, HBL AMC is managing over Rs. 94 billion* for both institutional and individual clients. 

At HBL AMC, we have a product for everyone. Whether you have a long-term plan or a short-term need or planning your retirement or having a religious mindset, our wide range of conventional and Shariah compliant investment products help make your money work for you based on your investment horizon & risk appetite. 

*(as of December 31, 2021)


  • Is Ideal for investors who wish to keep their savings liquid like bank deposits. 
  • Holding Period: No fixed term; can be redeemed at any time 
  • Regular Income Options: Needs are catered to by monthly, quarterly or annual payments 
  • Bank Financing: Units can be used as a collateral against financing
  • Encashment: 2-3 Days. However constitutive documents of the fund allow up to six working days. 


Account type

Investment and Saving  


Pakistani Nationals or Non-resident Pakistanis holding a NTN or CNIC or NICOP. 

Initial Deposit


Maximum credit balance limit



  • Professional Fund Managers Your investment is managed by fund managers who have a high level of educational and professional credentials and appropriate investment managerial experience. 
  • DiversificationMutual Funds aim to reduce the volatility of returns and the risk by diversification. They invest in a number of companies across a broad section of industries / sectors. With a small investment, an investor can achieve diversification that would have otherwise not been possible if the investor invests directly in those securities.
  • LiquidityOpen-ended Mutual Funds are priced daily and can be redeemed anytime. This mean that investors can redeem their holdings in Mutual Funds anytime.
  • Low transaction costsSince Mutual Funds are a pool of money of many investors, the amount of investment made in securities is large. A small management fee is charged by the company, which if invested directly would have cost an individual investor a lot.
  • TransparencyPrices of open ended Mutual Funds are announced daily. The portfolio is also disclosed in the monthly Fund Managers Report. 


Fund Name:

Fund Name Category FEL (Upto)
HBL MONEY MARKET FUND Money Market Scheme 1.00%
HBL INCOME FUND Income Scheme 1.50%
HBL CASH FUND Money Market Scheme 1.00%
HBL MULTI ASSET FUND Balance Scheme 2.00%
HBL EQUITY FUND Equity Scheme 2.00%
HBL ISLAMIC INCOME FUND Islamic Income scheme 2.00%
HBL ISLAMIC ASSET ALLOCATION FUND Islamic Asset Allocation Scheme 2.00%
HBL ISLAMIC MONEY MARKET FUND Islamic Money Market Scheme 1.00%
HBL PENSION FUND Pension Scheme 3.00%
HBL ISLAMIC PENSION FUND Islamic Pension Scheme 3.00%

Disclaimer: The returns of mutual funds are not guaranteed, mutual funds returns are subject to market risk and the price of units may go up and down based on market conditions, past performance should not be taken as guarantee of future performance. as disclosed in the offering document available on AMC’s website the fund manager and Soneri Bank Limited is only the Distributor of these funds in Pakistan.