SBI FMP-52-1848D
Ticker: mf13648
Risky
48/100
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I
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Business Overview
SBI FMP-52-1848D is a Fixed Maturity Plan designed for conservative investors seeking stable returns through a fixed investment horizon. Ideal for individuals looking to park their funds with minimal risk, this plan is structured to provide predictable income while maintaining capital safety. With SBI's trusted brand backing, it offers a reliable avenue for wealth accumulation over time. Investors can benefit from tax efficiency and professional management, making it a smart choice for financial planning.
- Designed for conservative investors
- Offers stable, predictable returns
- Backed by SBI's trusted reputation
- Minimal risk with capital safety
- Tax-efficient investment option
- Professional management for optimal growth
Investment Thesis
SBI FMP-52-1848D presents a compelling investment opportunity due to its strong promoter backing from State Bank of India, a trusted name in finance. The fund is well-positioned to leverage the growing digital services landscape, enhancing its appeal. Additionally, its attractive valuation compared to peers makes it a prudent choice for retail investors seeking stable returns.
- Strong credibility backed by State Bank of India.
- Significant growth potential in digital services.
- Attractive valuation relative to peer funds.
- Focus on fixed maturity plans offers stability.
- Ideal for risk-averse investors seeking steady income.
Opportunity vs Risk
Opportunities
- Stable returns from fixed maturity
- Potential tax benefits on investments
- Low market volatility exposure
- Growing demand for fixed income
- Diversification for conservative portfolios
Risks ⚠️
- Interest rate fluctuations impact returns
- Liquidity concerns at maturity
- Limited growth compared to equities
- Inflation may erode real returns
- Credit risk from underlying assets
Peer Perspective
SBI FMP-52-1848D trades at a discount 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-52-1848D • Updated: 2025-09-30 01:04:27
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10BusinessHighThe sector is stable but lacks significant growth prospects.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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8ProfitabilityHighROE and ROCE are average, with cash flow not consistently exceeding net profit.
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9ValuationHighValuation metrics are in line with peers but do not indicate a strong buy.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodLimited growth catalysts identified, with execution risks present.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
The stock presents several risks with limited growth potential and average financial metrics, making it a risky investment.