IDLC AML Shariah Fund (IAMLSF)

GrowthShariah

IDLC AML Shariah Fund (IAMLSF) returned 3.10% a year over the last 3 years, with cash dividends reinvested, based on NAV history through 2 Sep 2026.

Open-end growth mutual fund in Bangladesh, Shariah-compliant, managed by IDLC Asset Management Limited (IDLC AML). Tracked since Dec 2019, with dividends reinvested by default or taken as cash.

৳11.10NAV per unit
৳87 crFund size
6.8 yrsSince Dec 2019
+3.35%Per year, since launch
Start 100Now 125

Total-return path since Dec 2019, dividends reinvested.

Index, not taka.

See the numbers behind this chart
Month-by-month total-return index for IDLC AML Shariah Fund, dividends reinvested
MonthTotal-return index
Dec 2019100.00
Jan 202099.90
Feb 202099.20
Mar 202099.60
Apr 202099.60
May 202099.60
Jun 202099.60
Jul 202099.70
Aug 202099.70
Sep 202099.70
Oct 2020108.30
Nov 2020111.30
Dec 2020123.80
Jan 2021129.30
Feb 2021123.80
Mar 2021123.80
Apr 2021123.80
May 2021124.70
Jun 2021124.00
Jul 2021113.20
Aug 2021118.10
Sep 2021125.30
Oct 2021120.00
Nov 2021119.50
Dec 2021118.50
Jan 2022118.50
Feb 2022117.80
Mar 2022116.60
Apr 2022116.50
May 2022114.20
Jun 2022115.00
Jul 2022103.90
Aug 2022107.10
Sep 2022107.10
Oct 2022112.60
Nov 2022111.50
Dec 2022111.70
Jan 2023112.00
Feb 2023112.10
Mar 2023113.40
Apr 2023114.80
May 2023114.60
Jun 2023114.20
Jul 2023114.20
Aug 2023114.70
Sep 2023113.90
Oct 2023114.60
Nov 2023113.90
Dec 2023114.50
Jan 2024113.40
Feb 2024112.90
Mar 2024109.40
Apr 2024107.40
May 2024103.30
Jun 2024107.80
Jul 2024107.80
Aug 2024111.90
Sep 2024109.60
Oct 2024107.30
Nov 2024110.70
Dec 2024110.30
Jan 2025110.20
Feb 2025111.20
Mar 2025114.60
Apr 2025113.70
May 2025112.00
Jun 2025113.70
Jul 2025118.00
Aug 2025124.10
Sep 2025121.80
Oct 2025124.10
Nov 2025122.40
Dec 2025122.40
Jan 2026120.40
Feb 2026122.60
Mar 2026121.70
Apr 2026121.50
May 2026122.20
Jun 2026126.00
Jul 2026125.50
Aug 2026125.50
Sep 2026124.90

Latest NAV date: 2 Sep 2026.Source: IDLC Asset Management Limited (IDLC AML)'s website.Figures as of 2 Sep 2026.

Historical returns

Total return reinvests every dividend. “Per year” is the annualized compound rate. The last column is the return on a fixed amount invested every month (SIP).

Return period Total return Per year Monthly SIP /yr
6 months+2.59%+5.24%+3.24%
Year to date+2.02%+2.71%+3.55%
1 year+2.53%+2.53%+3.34%
2 years+13.95%+6.75%+5.94%
3 years+9.59%+3.10%+5.31%
5 years-0.32%-0.06%+3.38%
Max (6.8 yrs)+24.87%+3.35%+2.79%

Bars in each column are relative to the largest figure in that column, not a 0 to 100% scale.

Figures as of 2 Sep 2026

Rolling returns & path risk

A single look-back can flatter or punish a start date. These figures walk the whole history.

Rolling window Latest Median Best Worst Windows
1 year+2.55%+2.15%+29.43%-14.53%70
3 years+3.12%+2.38%+5.03%-6.08%46

Each window is annualized total return (dividends reinvested). Latest is the most recent closed window; median / best / worst summarize every overlapping window of that length. Tap ? on a column header for a short tip.

Path risk over the same fixed 3-year window as the rating:

4.1%Downside deviation
-10%Worst drop
68%Positive 12-mo windows
7.3%Volatility (ann.)

Downside deviation only counts losing months. Worst drop is the deepest peak-to-trough fall inside the window. These are measured facts from the NAV series; the star composite that uses them stays experimental.

Calculate your return

Just this fund. Set an amount, pick one-time or monthly, and choose a period.

৳
Dividends
See the numbers behind this chart
Month-by-month value of a ৳1,000 lump sum in IDLC AML Shariah Fund, dividends reinvested
MonthValue of ৳1,000
Dec 2019৳1,000
Jan 2020৳999
Feb 2020৳992
Mar 2020৳996
Apr 2020৳996
May 2020৳996
Jun 2020৳996
Jul 2020৳997
Aug 2020৳997
Sep 2020৳997
Oct 2020৳1,083
Nov 2020৳1,113
Dec 2020৳1,238
Jan 2021৳1,293
Feb 2021৳1,238
Mar 2021৳1,238
Apr 2021৳1,238
May 2021৳1,247
Jun 2021৳1,240
Jul 2021৳1,132
Aug 2021৳1,181
Sep 2021৳1,253
Oct 2021৳1,200
Nov 2021৳1,195
Dec 2021৳1,185
Jan 2022৳1,185
Feb 2022৳1,178
Mar 2022৳1,166
Apr 2022৳1,165
May 2022৳1,142
Jun 2022৳1,150
Jul 2022৳1,039
Aug 2022৳1,071
Sep 2022৳1,071
Oct 2022৳1,126
Nov 2022৳1,115
Dec 2022৳1,117
Jan 2023৳1,120
Feb 2023৳1,121
Mar 2023৳1,134
Apr 2023৳1,148
May 2023৳1,146
Jun 2023৳1,142
Jul 2023৳1,142
Aug 2023৳1,147
Sep 2023৳1,139
Oct 2023৳1,146
Nov 2023৳1,139
Dec 2023৳1,145
Jan 2024৳1,134
Feb 2024৳1,129
Mar 2024৳1,094
Apr 2024৳1,074
May 2024৳1,033
Jun 2024৳1,078
Jul 2024৳1,078
Aug 2024৳1,119
Sep 2024৳1,096
Oct 2024৳1,073
Nov 2024৳1,107
Dec 2024৳1,103
Jan 2025৳1,102
Feb 2025৳1,112
Mar 2025৳1,146
Apr 2025৳1,137
May 2025৳1,120
Jun 2025৳1,137
Jul 2025৳1,180
Aug 2025৳1,241
Sep 2025৳1,218
Oct 2025৳1,241
Nov 2025৳1,224
Dec 2025৳1,224
Jan 2026৳1,204
Feb 2026৳1,226
Mar 2026৳1,217
Apr 2026৳1,215
May 2026৳1,222
Jun 2026৳1,260
Jul 2026৳1,255
Aug 2026৳1,255
Sep 2026৳1,249
৳1,000 · Dec 2019৳1,249 · 2 Sep 2026

Total-return NAV rebased to your amount. Dividends are reinvested by default; switch to taken as cash above.

Fund details

Management fee2.50% down to 1.00% per year (tiered by fund size)
Early-exit feeExit load up to 2% (set by the AMC board); no entry load
Minimum investmentBDT 5,000 individual / BDT 50,000 institution
LiquidityOpen-end, redeemable weekly at NAV
Asset managerIDLC Asset Management Limited (IDLC AML)
SponsorIDLC Asset Management Limited (IDLC AML)
TrusteeInvestment Corporation of Bangladesh (ICB)
CustodianBRAC Bank
Face valueBDT 10 per unit

What IDLC AML Shariah Fund holds

As of 30 Jun 2026

From the fund’s quarterly portfolio disclosure. Percentages by market value.

Asset mix
Listed equity 51.92%Government sukuk 39.89%Cash at bank 4.65%FDR / term deposit 3.54%
Sector allocation
Pharmaceuticals & Chemicals26.61%
Cement10.34%
Telecommunication9.98%
Food & Allied4.98%
Top holdings
IRIDPNFL Socio-Economic Development Sukuk14.18%
avg cost ৳100.00 · stmt mkt ৳100.00
CIBRR-2 Socio-Economic Sukuk12.98%
avg cost ৳100.00 · stmt mkt ৳100.00
Beximco Pharmaceuticals11.16%
avg cost ৳125.67 · stmt mkt ৳140.60
LafargeHolcim Bangladesh10.34%
avg cost ৳52.28 · stmt mkt ৳56.00
RDIRWSP Socio-Economic Development Sukuk10.28%
avg cost ৳100.00 · stmt mkt ৳100.00
Robi Axiata9.98%
avg cost ৳32.64 · stmt mkt ৳32.60
Marico Bangladesh6.59%
avg cost ৳2,559.51 · stmt mkt ৳2,771.08
Olympic Industries4.98%
avg cost ৳153.40 · stmt mkt ৳154.99
Renata4.96%
avg cost ৳439.72 · stmt mkt ৳455.96
The IBN SINA Pharmaceutical Industry3.90%
avg cost ৳333.02 · stmt mkt ৳319.59
CDWSP Social Impact Sukuk2.45%
avg cost ৳99.99 · stmt mkt ৳99.99

Each bar is sized against the largest name in this list, so you can compare them to each other. The percentage is still that name’s share of the whole fund.

Its 5 largest holdings are 58.94% of the fund.

What changed in the latest statement

31 Mar 2026 → 30 Jun 2026before now

+ Robi Axiata · new, 9.98%+ Olympic Industries · new, 4.98%+ Renata · new, 4.96%+ CDWSP Social Impact Sukuk · new, 2.45%− Grameenphone · no longer held− COWSP Social Impact Sukuk · no longer held
IRIDPNFL Socio-Economic Development Sukuk17.63% → 14.18%
CIBRR-2 Socio-Economic Sukuk16.14% → 12.98%
RDIRWSP Socio-Economic Development Sukuk12.79% → 10.28%
Marico Bangladesh8.86% → 6.59%
Beximco Pharmaceuticals12.87% → 11.16%

Asset mix: Listed equity 41.34% → 51.92%; Government sukuk 49.61% → 39.89%; Cash at bank 8.79% → 4.65%; FDR / term deposit 0.27% → 3.54%.

Its 5 largest holdings went from 69.37% to 58.94% of the fund.

Position sizes shift with both trading and market prices; both snapshots come from the fund manager’s own statements.

✓ Verified from IDLC quarterly portfolio statement (30 Jun 2026). Holdings are disclosed quarterly, so they can lag the latest daily NAV.

Side by side with another fund

Questions about IDLC AML Shariah Fund (IAMLSF)

What kind of fund is IDLC AML Shariah Fund?
IDLC AML Shariah Fund is an Shariah-compliant open-end growth mutual fund in Bangladesh, managed by IDLC Asset Management Limited (IDLC AML). You buy and redeem units at its published net asset value (NAV), and it has no fixed maturity.

What is the historical return of IDLC AML Shariah Fund?
Over roughly 6.8 years to 2 Sep 2026, IDLC AML Shariah Fund returned about +3.35% per year, as a total return with dividends reinvested. The figure changes with the period you choose, and past performance does not guarantee future results.

What are the fees for IDLC AML Shariah Fund?
IDLC AML Shariah Fund charges a management fee of 2.50% down to 1.00% per year (tiered by fund size). Its published NAV, and so every return shown, is already net of this fee.

Does IDLC AML Shariah Fund have an exit load?
Exit load up to 2% (set by the AMC board); no entry load.

What is the minimum investment for IDLC AML Shariah Fund?
IDLC AML Shariah Fund has a one-time minimum of BDT 5,000 individual / BDT 50,000 institution and a monthly SIP from BDT 5,000/month.

Is IDLC AML Shariah Fund Shariah-compliant?
Yes. IDLC AML Shariah Fund is a Shariah-compliant fund, investing only in Islamically permissible ways under a Shariah supervisory board.

Compare IDLC AML Shariah Fund (IAMLSF) with other funds →
ExperimentalReturnKoto? ratingstill being calibrated

Rules-based rating for each fund. Experimental; treat as one input for your own research. Every sub-score is on the ratings page.

3 of 514th of 16 growth funds

A rules-based score over the same fixed 3-year window every fund is measured on: return against its benchmark, downside deviation, worst drop and consistency, on a scale set for growth funds.

5-year rating: 2 of 5 over the same fixed 5-year window (11th of 14).

Return / year (3 yr)
+3.20%
Downside deviation
4.1%
Worst drop
-10%
Consistency
68%
Versus the market (DSEX)

Beta 0.27 · historically moved about 0.27% for each 1% move in the DSEX market index. DSEX explains roughly 18% of its month-to-month swings.

Shariah rating

3 of 5 · 3rd of 5 Shariah funds ReturnKoto? tracks, rated against each other. This is separate from its growth-fund rating above.

✓ Rules-based, measured from the fund’s own NAV history. How the rating will work.