SBI FMP-49-1823D
Ticker: mf13370
Decent
68/100
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Business Overview
SBI FMP-49-1823D is a fixed maturity plan designed for conservative investors seeking stable returns over a defined period. This fund offers a low-risk investment avenue, ideal for those looking to preserve capital while earning predictable income. It primarily invests in fixed-income securities, making it suitable for risk-averse individuals and retirees. With SBI's trusted reputation, this fund provides peace of mind and financial security.
- Low-risk investment option
- Ideal for conservative investors
- Focus on capital preservation
- Offers predictable income
- Managed by SBI, a trusted financial institution
- Suitable for retirees and risk-averse individuals
Investment Thesis
SBI FMP-49-1823D presents a compelling investment opportunity due to its strong backing from the SBI promoter group, robust growth in digital services, and attractive valuation compared to peers. This fund is poised to capitalize on India's growing financial landscape, making it a strategic addition for retail investors seeking stability and growth.
- Strong credibility from the SBI promoter group ensures reliability.
- Significant growth potential in digital services enhances future returns.
- Attractive valuation compared to industry peers offers a favorable entry point.
- Focus on fixed maturity plans aligns with conservative investment strategies.
- SBI's extensive network supports effective fund management and investor confidence.
Opportunity vs Risk
Opportunities
- Strong government backing
- Growing retail investor interest
- Potential for high returns
- Diversification benefits
- Stable interest rate environment
Risks ⚠️
- Market volatility concerns
- Regulatory changes impact
- Credit risk from borrowers
- Economic slowdown effects
- Liquidity issues in downturns
Peer Perspective
SBI FMP-49-1823D trades at a slight premium compared to peers like HDFC FMP and ICICI FMP. For a rerating, consistent margin stability and improved growth metrics are essential.
📊 Stock Investment Checklist (100 Points)
SBI FMP-49-1823D • Updated: 2025-09-30 01:04:01
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10BusinessHighThe sector is stable but lacks significant growth drivers.
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10GrowthHighRevenue growth has been inconsistent with fluctuating profits.
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10ProfitabilityHighROE and ROCE are moderate; cash flow is stable but not exceptional.
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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 decent, but there are some pledging concerns.
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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 presents a decent investment opportunity but lacks strong growth drivers and has some risks associated with liquidity and governance.