SBI FMP-78-1170D

Ticker: mf13673
Risky 48/100

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Business Overview

SBI FMP-78-1170D is a fixed maturity plan designed for conservative investors seeking stable returns over a defined period. This product is ideal for individuals looking to invest in a low-risk option while benefiting from the potential of fixed income securities. It matters as it offers predictable returns with capital protection, making it a suitable choice for those planning for short to medium-term financial goals. With SBI's trusted reputation, investors can feel secure in their choice.

  • Designed for conservative investors
  • Offers stable returns over a fixed term
  • Ideal for short to medium-term financial goals
  • Capital protection ensures safety of investment
  • Backed by SBI's trusted reputation

Investment Thesis

SBI FMP-78-1170D presents a compelling investment opportunity due to its robust backing from the State Bank of India, a trusted promoter. The fund is well-positioned to capitalize on the growth of digital services in India, offering a significant runway for expansion. Additionally, its attractive valuation compared to peers makes it an appealing choice for investors seeking stability and growth.

  • Strong backing from the reputable State Bank of India enhances credibility.
  • Significant growth potential in India's digital services sector.
  • Attractive valuation compared to similar investment options.
  • Focus on fixed maturity plans aligns with conservative investment strategies.
  • Potential for steady returns amidst market volatility.

Opportunity vs Risk

Opportunities
  • Stable returns from fixed maturity
  • Low market volatility exposure
  • Potential tax benefits on investments
  • Suitable for conservative investors
Risks ⚠️
  • Interest rate fluctuations impact returns
  • Liquidity constraints until maturity
  • Inflation may erode real returns
  • Credit risk from underlying securities

Peer Perspective

SBI FMP-78-1170D trades at a slight premium compared to peers like HDFC FMP and ICICI FMP. For a rerating, sustained margin stability and robust growth in AUM are essential.
📊 Stock Investment Checklist (100 Points)
SBI FMP-78-1170D • Updated: 2025-09-29 15:40:02
  • 10
    Business
    High
    The sector is stable but lacks significant growth drivers.
  • 8
    Growth
    High
    Revenue growth has been inconsistent with fluctuations.
  • 10
    Profitability
    High
    ROE and ROCE are decent, but cash flow is not robust.
  • 6
    Valuation
    Good
    Valuation metrics are average compared to peers.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity is a concern.
  • 5
    Governance
    Good
    Promoter holding is stable, but disclosures could improve.
  • 5
    Drivers
    Good
    Limited growth catalysts identified.
  • 0
    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, suggesting caution for investors.