SBI FMP-45-1840D
Ticker: mf13520
Decent
53/100
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Business Overview
SBI FMP-45-1840D 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 for a specific financial goal while minimizing risk. It matters because it provides a predictable investment outcome, aligning with the financial aspirations of risk-averse investors. With SBI's trusted brand reputation, this plan offers a secure avenue for wealth accumulation.
- Designed for conservative investors
- Offers stable returns over a fixed period
- Minimizes investment risk
- Ideal for specific financial goals
- Backed by SBI's trusted reputation
- Transparent investment structure
Investment Thesis
SBI FMP-45-1840D presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. This fund is well-positioned to capitalize on the evolving financial landscape in India.
- Backed by SBI, a trusted name in Indian banking with a strong promoter group.
- Digital services are rapidly expanding, offering a substantial growth runway.
- Attractive valuation metrics compared to similar funds in the market.
- Focus on fixed maturity plans provides stability and predictable returns.
- Strong track record of SBI in managing funds effectively enhances investor confidence.
Opportunity vs Risk
Opportunities
- Stable returns from fixed maturity
- Low interest rate environment
- Diversification in debt portfolio
- Potential for capital appreciation
Risks ⚠️
- Interest rate fluctuations
- Credit risk from underlying assets
- Liquidity concerns in market
- Regulatory changes affecting returns
Peer Perspective
SBI FMP-45-1840D trades at a slight premium compared to peers like HDFC FMP and ICICI FMP, necessitating margin stability and consistent growth to justify its valuation and attract more investors.
📊 Stock Investment Checklist (100 Points)
SBI FMP-45-1840D • Updated: 2025-09-30 01:03:42
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10BusinessHighThe sector is stable but lacks significant growth drivers.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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8ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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6ValuationGoodValuation metrics suggest it is overvalued compared to peers.
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7BalanceHighBalance sheet shows moderate debt levels but adequate liquidity.
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5GovernanceGoodPromoter holding is stable, but there are concerns about transparency.
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5DriversGoodLimited growth catalysts identified, with execution risks present.
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0TechnicalsLowTechnical indicators show weak momentum and low liquidity.
Final Score & Verdict
Score 53 / 100
• Decent
The stock shows moderate potential but is hindered by inconsistent growth and profitability metrics.