SBI Short Term Debt Fund(W-IDCW)
Ticker: mf14341
Decent
68/100
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Business Overview
SBI Short Term Debt Fund (W-IDCW) is a dynamic investment option designed for individuals seeking stable returns over a short investment horizon. Ideal for conservative investors, this fund focuses on investing in high-quality debt instruments, ensuring capital preservation while providing reasonable income. It serves as a great choice for those looking to park their funds for a limited period without taking on excessive risk. With SBI's trusted management, this fund aims to deliver consistent performance and liquidity.
- Ideal for conservative investors
- Focuses on high-quality debt instruments
- Offers stable returns over short term
- Capital preservation with reasonable income
- Managed by SBI's trusted expertise
- Suitable for short-term financial goals
Investment Thesis
SBI Short Term Debt Fund (W-IDCW) stands out due to its strong backing from the SBI Group, a trusted name in Indian finance. The fund is well-positioned to leverage the growing digital services landscape, ensuring robust growth. Additionally, its attractive valuation compared to peers makes it a compelling choice for investors seeking stability and returns.
- Strong credibility backed by the SBI Group, a leader in the Indian banking sector.
- Significant growth potential driven by the increasing adoption of digital financial services.
- Attractive valuation compared to peer funds, offering better risk-adjusted returns.
- Focus on short-term debt instruments ensures liquidity and capital preservation.
- Consistent performance track record enhances investor confidence.
Opportunity vs Risk
Opportunities
- Stable income through regular dividends
- Low interest rate environment
- Diversification in fixed income portfolio
- Potential capital appreciation
- Tax benefits on long-term investments
Risks ⚠️
- Interest rate fluctuations
- Credit risk from bond issuers
- Market volatility impact
- Liquidity concerns during redemption
- Regulatory changes affecting funds
Peer Perspective
SBI Short Term Debt Fund is currently trading at a slight premium compared to peers like HDFC Short Term Debt Fund and ICICI Short Term Debt Fund. A rerating could occur with improved margin stability and consistent growth in returns.
📊 Stock Investment Checklist (100 Points)
SBI Short Term Debt Fund(W-IDCW) • Updated: 2025-10-01 15:34:07
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10BusinessHighThe sector is stable but lacks significant growth potential.
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10GrowthHighModerate revenue growth observed, but profit growth is inconsistent.
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10ProfitabilityHighROE and ROCE are acceptable, but OCF is volatile.
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8ValuationHighValuation metrics are in line with peers but not compelling.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is stable, but transparency could be better.
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5DriversGoodLimited growth drivers identified, execution risks present.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
The SBI Short Term Debt Fund shows moderate potential with some risks. While it operates in a stable sector, growth and profitability metrics indicate inconsistency. Investors should weigh the risks against the potential for moderate returns.