Bank of India Money Market Fund(DD-IDCW)
Ticker: mf17089
Decent
70/100
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B
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E
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G
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H
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H
HSBC Conservative Hybrid Fund(M-IDCW Payout)
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H
HSBC Conservative Hybrid Fund(Q-IDCW)
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HSBC Conservative Hybrid Fund(M-IDCW)
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S
SBI FMP-74-1243D(IDCW)
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H
HDFC FMP-Sr 47-2638D-Feb 2023(Q-IDCW)
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Tata Nifty G-Sec Dec 2029 Index Fund(IDCW Payout)
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T
Tata Nifty G-Sec Dec 2029 Index Fund(IDCW)
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N
Nippon India Nifty Bank Index Fund(IDCW)
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E
Edelweiss Nifty Smallcap 250 Index Fund(IDCW)
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A
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Business Overview
The Bank of India Money Market Fund (DD-IDCW) is a short-term investment solution designed for individuals seeking stable returns with lower risk. Ideal for conservative investors, this fund primarily invests in money market instruments, offering liquidity and capital preservation. It matters because it provides a reliable avenue for parking funds while earning competitive returns, especially in uncertain market conditions.
- Designed for conservative investors
- Focuses on money market instruments
- Offers liquidity and capital preservation
- Provides stable returns with lower risk
- Ideal for short-term financial goals
Investment Thesis
Bank of India Money Market Fund offers a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This fund is poised to benefit from the increasing demand for efficient money market solutions in a growing economy.
- Strong backing from Bank of India, a reputable institution with a long-standing history.
- Digital services are expanding, enhancing customer experience and operational efficiency.
- Attractive valuation compared to similar funds, offering potential for higher returns.
- Focus on liquidity and safety, making it a reliable choice for conservative investors.
- Strategic positioning to capitalize on the growing money market demand.
Opportunity vs Risk
Opportunities
- Stable income generation
- Diversification of investment portfolio
- Potential for capital appreciation
- Liquidity in money market
- Tax benefits on dividends
Risks ⚠️
- Interest rate fluctuations
- Credit risk of underlying assets
- Market volatility impact
- Regulatory changes
- Inflation eroding returns
Peer Perspective
Compared to key peers, this stock trades at a discount. Valuation could rerate if profitability stabilizes.
📊 Stock Investment Checklist (100 Points)
Bank of India Money Market Fund(DD-IDCW) • Updated: 2025-10-01 05:03:37
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10BusinessHighThe money market sector is stable but lacks significant growth potential.
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10GrowthHighRevenue growth is consistent but limited due to market saturation.
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10ProfitabilityHighROE and OCF are decent, but net profit margins are under pressure.
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8ValuationHighValuation metrics are in line with peers, but not compelling.
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10BalanceHighStrong liquidity position with manageable debt levels.
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7GovernanceHighPromoter holding is stable, but transparency could improve.
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5DriversGoodLimited growth drivers and potential execution risks.
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3TechnicalsLowWeak momentum and liquidity concerns in the market.
Final Score & Verdict
Score 70 / 100
• Decent
The Bank of India Money Market Fund shows decent stability but lacks strong growth prospects. Investors should be cautious.