SBI FMP-76-1221D
Ticker: mf13599
Decent
62/100
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Business Overview
SBI FMP-76-1221D is a Fixed Maturity Plan designed for conservative investors seeking stable returns over a defined period. Ideal for individuals looking to invest in a low-risk product, it offers a structured approach to wealth accumulation. This fund is particularly beneficial for those aiming to achieve specific financial goals without the volatility associated with equity markets. With SBI's trusted reputation, investors can feel secure in their choice.
- Designed for conservative investors
- Offers stable returns over a fixed term
- Low-risk investment option
- Ideal for achieving specific financial goals
- Backed by SBI's trusted reputation
Investment Thesis
SBI FMP-76-1221D presents a compelling investment opportunity due to its strong promoter backing, robust growth in digital services, and attractive valuation compared to peers. This fund is well-positioned to capitalize on India's evolving financial landscape, making it a strategic choice for retail investors seeking stability and growth.
- Strong backing from SBI, a trusted name in Indian banking.
- Significant growth potential in digital services, enhancing customer reach.
- Attractive valuation metrics compared to industry peers.
- Focus on fixed maturity plans offers predictable returns.
- Aligns with India's increasing shift towards financial inclusion.
Opportunity vs Risk
Opportunities
- Stable returns from fixed maturity
- Potential for capital preservation
- Interest rate hikes may boost returns
- Low market volatility exposure
Risks ⚠️
- Limited liquidity in secondary market
- Interest rate risk on maturity
- Inflation may erode real returns
- Credit risk from underlying assets
Peer Perspective
SBI FMP-76-1221D trades at a slight premium compared to peers like HDFC FMP and ICICI FMP. A stable margin and consistent growth are essential for potential rerating in this competitive fixed maturity landscape.
📊 Stock Investment Checklist (100 Points)
SBI FMP-76-1221D • Updated: 2025-09-29 15:39:53
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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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8ProfitabilityHighROE and ROCE are below industry averages, cash flow is stable.
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9ValuationHighValuation metrics are slightly above peers, indicating overvaluation.
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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 and execution risks are present.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 62 / 100
• Decent
The stock shows moderate potential but carries risks that may affect future performance.