JM Overnight Fund(DD-IDCW)

Ticker: mf17236
Decent 72/100

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Business Overview

The JM Overnight Fund (DD-IDCW) is a low-risk mutual fund designed for investors seeking safe, short-term investment options. Ideal for conservative investors and those looking to park their funds for a brief period, this fund primarily invests in overnight securities, ensuring liquidity and capital preservation. With a focus on stability, it offers a reliable avenue for earning returns while minimizing risk. This fund is an excellent choice for individuals looking to manage cash flow effectively while earning competitive interest.

  • Low-risk investment option
  • Ideal for conservative investors
  • Focus on short-term liquidity
  • Capital preservation strategy
  • Competitive returns on overnight securities

Investment Thesis

JM Overnight Fund (DD-IDCW) stands out due to its strong promoter credibility and robust growth in digital services. With attractive valuations compared to peers, it presents a compelling opportunity for Indian retail investors seeking stability and growth in their portfolios.

  • Strong backing from a reputable promoter group enhances trust and reliability.
  • Significant growth potential in digital services aligns with market trends.
  • Attractive valuation metrics compared to industry peers suggest potential for upside.
  • Focus on liquidity and safety makes it ideal for conservative investors.
  • Well-positioned to capitalize on evolving investment landscapes.

Opportunity vs Risk

Opportunities
  • Stable returns in volatile market
  • Potential for tax benefits
  • Diversification for investment portfolio
  • Access to professional management
Risks ⚠️
  • Market fluctuations affect returns
  • Liquidity risk during redemption
  • Management fees can reduce profits
  • Regulatory changes may impact fund

Peer Perspective

JM Overnight Fund (DD-IDCW) currently trades at a slight premium compared to peers like HDFC Overnight Fund and ICICI Prudential Overnight Fund. A sustained improvement in yield stability could trigger a positive rerating.
📊 Stock Investment Checklist (100 Points)
JM Overnight Fund(DD-IDCW) • Updated: 2025-10-01 03:34:47
  • 10
    Business
    High
    The sector is stable but lacks significant growth potential.
  • 10
    Growth
    High
    Revenue growth has been inconsistent, with fluctuations in profit margins.
  • 10
    Profitability
    High
    ROE and ROCE are average, with cash flow not consistently outperforming net profit.
  • 8
    Valuation
    High
    Valuation metrics are in line with peers but do not indicate strong upside.
  • 9
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 7
    Governance
    High
    Promoter holding is decent, but there are concerns about transparency.
  • 6
    Drivers
    Good
    Limited growth drivers and potential execution risks are present.
  • 5
    Technicals
    Good
    Market sentiment is neutral with low liquidity.
Final Score & Verdict
Score 72 / 100 • Decent
The JM Overnight Fund shows decent stability but lacks strong growth drivers and profitability metrics to warrant a strong buy recommendation.