HDFC FMP-Sr 46-1861D-Mar 2022
Ticker: mf13324
Risky
48/100
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ICICI Pru FMP-85-10Y-I
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Business Overview
HDFC FMP-Sr 46-1861D-Mar 2022 is a fixed maturity plan designed for conservative investors seeking stable returns over a defined period. This investment product is ideal for those looking to park their funds with minimal risk while enjoying the benefits of fixed income. It matters as it offers predictable returns and is backed by HDFC's strong reputation in the financial sector.
- Targeted for conservative investors
- Offers predictable returns
- Minimizes risk exposure
- Backed by HDFC's strong reputation
- Ideal for short to medium-term investment
- Tax-efficient investment option
Investment Thesis
HDFC FMP-Sr 46-1861D-Mar 2022 stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuations compared to peers. This makes it a compelling choice for Indian retail investors seeking stability and growth in their portfolios.
- Strong backing from HDFC Group, known for its financial stability and trustworthiness.
- Significant growth potential in digital services, aligning with market trends.
- Attractive valuation metrics compared to industry peers, offering a favorable entry point.
- Consistent performance history, enhancing investor confidence.
- Diversified investment strategy, reducing risk exposure.
Opportunity vs Risk
Opportunities
- Stable returns from fixed maturity plan
- Potential tax benefits on interest income
- Low market volatility exposure
- Suitable for conservative investors
Risks ⚠️
- Interest rate fluctuations impact returns
- Limited liquidity before maturity
- Inflation may erode real returns
- Credit risk from underlying bonds
Peer Perspective
HDFC FMP-Sr 46 trades at a slight premium compared to peers like ICICI FMP and SBI FMP. For a rerating, consistent margin stability and improved growth metrics will be essential.
📊 Stock Investment Checklist (100 Points)
HDFC FMP-Sr 46-1861D-Mar 2022 • Updated: 2025-09-29 12:20:09
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10BusinessHighThe sector is stable but lacks significant growth prospects.
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8GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are decent, but cash flow is not consistently strong.
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7ValuationHighValuation metrics are average compared to peers.
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6BalanceGoodDebt levels are manageable, but liquidity could be improved.
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9GovernanceHighPromoter holding is strong, but there are minor concerns about disclosures.
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5DriversGoodLimited growth drivers and execution risks are present.
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1TechnicalsLowMarket sentiment is weak with low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
The stock presents several risks with limited growth potential and weak market sentiment, making it a risky investment.