SBI Multi Asset Allocation Fund (Q-IDCW) is a dynamic investment solution that diversifies across equities, debt, and gold, catering to investors seeking balanced growth with reduced risk. Ideal for those looking to achieve long-term financial goals while maintaining flexibility, this fund adapts to market conditions for optimal returns. With a focus on stability and capital appreciation, it stands out as a reliable choice for both novice and seasoned investors.

Diversified investment across multiple asset classes
Designed for balanced growth and risk management
Ideal for long-term financial goals
Adapts to changing market conditions
Managed by experienced professionals
Suitable for both novice and seasoned investors

Investment Thesis

SBI Multi Asset Allocation Fund stands out due to its strong backing from the SBI Group, a trusted name in Indian finance. The fund is well-positioned to capitalize on the growing digital services sector, offering a diversified portfolio. With attractive valuations compared to its peers, it presents a compelling investment opportunity for retail investors seeking stability and growth.

Strong promoter group: Backed by the reputable SBI Group, ensuring credibility.
Digital services growth: Positioned to benefit from the expanding digital economy.
Attractive valuations: Offers competitive pricing compared to peer funds.
Diversified portfolio: Mitigates risks while aiming for steady returns.
Investor-friendly: Designed to cater to the needs of retail investors.

Opportunity vs Risk

Opportunities

Diversified asset allocation
Potential for steady returns
Tax-efficient investment option
Suitable for risk-averse investors
Professional fund management

Risks ⚠️

Market volatility impact
Management fees may reduce returns
Limited liquidity compared to stocks
Regulatory changes affecting funds
Performance may vary significantly

Peer Perspective

SBI Multi Asset Allocation Fund trades at a slight premium compared to peers like HDFC Multi Asset Fund and ICICI Prudential Multi Asset Fund. A rerating could occur with improved margin stability and consistent growth in assets under management.

📊 Stock Investment Checklist (100 Points)

SBI Multi Asset Allocation Fund(Q-IDCW) • Updated: 2025-10-01 21:53:54

8

Business
High

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

Growth
High

Consistent revenue growth observed, but profit growth has been variable.
10

Profitability
High

ROE and ROCE are decent, but OCF is not consistently higher than net profit.
9

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 some concerns over disclosures.
5

Drivers
Good

Growth drivers are present, but execution risks remain.
1

Technicals
Low

Market sentiment is weak with low liquidity.

Final Score & Verdict

Score 48 / 100 • Decent

The fund shows potential with a decent score, but there are several areas of concern that need to be addressed for better performance.