SBI FMP-58-1842D

Ticker: mf13496
Risky 48/100

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Business Overview

SBI FMP-58-1842D 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 instrument while ensuring capital preservation. It matters because it offers a predictable investment horizon, making it suitable for financial planning. With SBI's trusted reputation, investors can feel secure in their choice.

  • Fixed maturity plan for stable returns
  • Ideal for conservative investors
  • Focus on capital preservation
  • Predictable investment horizon
  • Backed by SBI's trusted reputation
  • Suitable for financial planning

Investment Thesis

SBI FMP-58-1842D presents a compelling investment opportunity due to its strong backing from the State Bank of India, a trusted promoter. The fund's focus on digital services is poised for significant growth, enhancing customer engagement. Additionally, its attractive valuation compared to peers makes it an appealing choice for retail investors seeking stability and growth.

  • Strong credibility from the State Bank of India, ensuring reliability.
  • Expanding digital services align with current market trends.
  • Attractive valuation compared to similar funds, offering potential upside.
  • Focus on fixed maturity plans provides a stable income stream.
  • Well-positioned to capitalize on India's growing financial inclusion.

Opportunity vs Risk

Opportunities
  • Strong government support for banks
  • Growing retail loan demand
  • Diversification in investment products
  • Stable dividend history
Risks ⚠️
  • Economic slowdown impacts lending
  • Regulatory changes may affect operations
  • Increased competition from fintech
  • Asset quality concerns in loans
📊 Stock Investment Checklist (100 Points)
SBI FMP-58-1842D • Updated: 2025-09-30 01:05:13
  • 8
    Business
    High
    The sector is stable with a clear model but lacks significant moat.
  • 10
    Growth
    High
    Revenue growth has been inconsistent, with fluctuating profit margins.
  • 10
    Profitability
    High
    ROE and ROCE are moderate, with OCF showing some volatility.
  • 9
    Valuation
    High
    Valuation metrics are slightly above peers, indicating potential overvaluation.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 6
    Governance
    Good
    Promoter holding is stable, but there are concerns about disclosures.
  • 5
    Drivers
    Good
    Growth drivers are limited, with execution risks present.
  • 1
    Technicals
    Low
    Market sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100 • Risky
The stock shows several weaknesses in growth and technicals, indicating a risky investment.