SBI FMP-51-1846D

Ticker: mf13455
Risky 48/100

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Business Overview

SBI FMP-51-1846D is a fixed maturity plan designed for conservative investors seeking stable returns over a defined period. This investment option is ideal for those looking to balance risk and reward, particularly in a fluctuating market. With SBI's trusted reputation, investors can feel secure in their choice. The plan focuses on capital preservation while providing predictable income, making it suitable for financial goals such as saving for education or retirement.

  • Designed for conservative investors
  • Offers stable returns over a fixed period
  • Ideal for capital preservation
  • Backed by SBI's trusted reputation
  • Suitable for long-term financial goals

Investment Thesis

SBI FMP-51-1846D stands out due to its strong backing from the SBI Group, a highly credible promoter. The fund benefits from the growing digital services landscape, positioning it well for future growth. Additionally, its attractive valuation compared to peers makes it a compelling investment opportunity for retail investors seeking stable returns.

  • Strong promoter group with SBI's established credibility.
  • Significant growth potential in digital services.
  • Attractive valuation compared to industry peers.
  • Focus on fixed maturity plans offering stable returns.
  • Ideal for conservative investors seeking reliable income.

Opportunity vs Risk

Opportunities
  • Stable returns from fixed maturity plans
  • Potential tax benefits for investors
  • Low market volatility exposure
  • Suitable for conservative investors
Risks ⚠️
  • Limited liquidity during maturity
  • Interest rate risk on bonds
  • Inflation may erode returns
  • Market fluctuations impact NAV

Peer Perspective

SBI FMP-51-1846D trades at a discount to peers like HDFC FMP and ICICI FMP. A rerating could occur if SBI demonstrates consistent margin stability and improved growth metrics in upcoming quarters.
📊 Stock Investment Checklist (100 Points)
SBI FMP-51-1846D • Updated: 2025-09-30 01:04:17
  • 8
    Business
    High
    The sector is stable with a clear model but lacks a strong moat.
  • 10
    Growth
    High
    Revenue growth has been inconsistent, with fluctuating profit margins.
  • 10
    Profitability
    High
    ROE and ROCE are moderate, with OCF slightly below net profit.
  • 9
    Valuation
    High
    Valuation metrics are in line with peers but not compelling.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity is a concern.
  • 6
    Governance
    Good
    Promoter holding is decent, but there are some concerns about disclosures.
  • 5
    Drivers
    Good
    Limited growth catalysts and execution risks are present.
  • 1
    Technicals
    Low
    Market sentiment is weak with low liquidity.
Final Score & Verdict
Score 48 / 100 • Risky
The stock presents several risks with limited growth potential and weak market sentiment, making it a risky investment.