The SBI Multi Asset Allocation Fund is a dynamic investment option designed to diversify your portfolio across equity, debt, and gold. Ideal for investors seeking balanced growth and stability, this fund adjusts its asset allocation based on market conditions, ensuring optimal returns. It matters because it offers a hassle-free way to invest in multiple asset classes, reducing risk while enhancing potential gains. With professional management and a focus on long-term wealth creation, this fund is a smart choice for both new and seasoned investors.

Diversified investment across equities, debt, and gold.
Dynamic asset allocation based on market trends.
Ideal for risk-averse and growth-oriented investors.
Managed by experienced professionals.
Focus on long-term wealth creation.

Investment Thesis

SBI Multi Asset Allocation Fund stands out due to its strong backing from the SBI group, a credible and trusted name in Indian finance. With the increasing shift towards digital services, this fund is well-positioned to capture growth. Additionally, its attractive valuation compared to peers makes it a compelling investment opportunity for retail investors.

Strong promoter group: Backed by SBI, a leader in the Indian banking sector.
Credibility: SBI's long-standing reputation enhances investor confidence.
Digital services growth: Capitalizes on the rising trend of digital investments.
Attractive valuation: Positioned favorably against peer funds, offering potential upside.
Diversification: Multi-asset allocation strategy reduces risk while seeking returns.

Opportunity vs Risk

Opportunities

Diversified investment across asset classes
Potential for steady income generation
Tax benefits on long-term investments
Professional fund management expertise
Access to equity and debt markets

Risks ⚠️

Market volatility impacting returns
Interest rate fluctuations affect debt
Liquidity risk in certain assets
Management fees may reduce gains
Regulatory changes affecting funds

Peer Perspective

SBI Multi Asset Allocation Fund trades at a slight premium compared to peers like HDFC Multi Asset and ICICI Prudential Multi Asset. For a rerating, consistent margin stability and improved growth metrics are essential.

📊 Stock Investment Checklist (100 Points)

SBI Multi Asset Allocation Fund(Q-IDCW Payout) • Updated: 2025-10-01 21:53:49

10

Business
High

The fund operates in a diversified asset allocation space, which is future-ready but lacks a strong moat.
10

Growth
High

Consistent revenue and profit growth observed over the past few years.
10

Profitability
High

ROE and ROCE are decent, but OCF is lower than net profit.
8

Valuation
High

Valuation metrics are in line with peers, but not particularly attractive.
7

Balance
High

Debt levels are manageable, but liquidity could be improved.
6

Governance
Good

Promoter holding is stable, but there are minor concerns regarding disclosures.
5

Drivers
Good

Growth drivers are present, but execution risks remain.
5

Technicals
Good

Market sentiment is neutral with moderate liquidity.

Final Score & Verdict

Score 48 / 100 • Decent

The fund shows decent potential with consistent growth, but faces challenges in profitability and governance aspects.