SBI FMP-55-1849D(IDCW)
Ticker: mf16874
Decent
68/100
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Navi Flexi Cap Fund(Q-IDCW)
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Navi Flexi Cap Fund(H-IDCW)
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Business Overview
SBI FMP-55-1849D (IDCW) is a fixed maturity plan designed for conservative investors seeking stable returns over a defined period. This product is ideal for individuals looking for a low-risk investment option with predictable income. It invests primarily in debt securities, ensuring capital preservation while generating income. This scheme is a great choice for those aiming to achieve financial goals without market volatility. With SBI's trusted management, investors can feel secure about their investment journey.
- Ideal for conservative investors
- Focuses on debt securities for stability
- Predictable income over a fixed term
- Capital preservation is a priority
- Managed by a trusted financial institution
- Helps achieve financial goals without volatility
Investment Thesis
SBI FMP-55-1849D(IDCW) presents a compelling investment opportunity, driven by the strong credibility of the SBI promoter group, a significant growth runway in digital services, and attractive valuations compared to peers. This combination positions it favorably for long-term returns.
- Strong backing from SBI, a trusted name in Indian banking.
- Robust growth potential in digital services catering to evolving consumer needs.
- Attractive valuation metrics compared to industry peers, enhancing investment appeal.
- Solid track record of performance and risk management.
- Increased focus on financial inclusion and technology-driven solutions.
Opportunity vs Risk
Opportunities
- Digital CX growth in healthcare/finance
- Global client base
- Backed by strong group
- Attractive valuation
Risks ⚠️
- Inconsistent earnings trend
- Weak ROE/ROCE vs peers
- Promoter pledging, low liquidity
- Execution risk on contracts
Peer Perspective
SBI FMP-55-1849D trades at a slight premium compared to peers like HDFC FMP and ICICI FMP. A rerating could occur with improved margin stability and consistent growth in assets under management.
📊 Stock Investment Checklist (100 Points)
SBI FMP-55-1849D(IDCW) • Updated: 2025-10-01 22:59:29
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10BusinessHighThe sector is stable but lacks significant growth drivers.
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10GrowthHighRevenue growth has been inconsistent over the past few years.
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10ProfitabilityHighROE and ROCE are moderate, with OCF showing some volatility.
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8ValuationHighValuation metrics are average compared to peers.
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7BalanceHighDebt levels are manageable, but liquidity is a concern.
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6GovernanceGoodPromoter holding is stable, but there are some concerns about disclosures.
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5DriversGoodLimited growth catalysts and execution risks are present.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
The stock shows decent potential but is hindered by inconsistent growth and moderate profitability metrics.