SBI FMP-79-1130D
Ticker: mf13770
Risky
48/100
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Business Overview
SBI FMP-79-1130D is a fixed maturity plan designed for conservative investors seeking predictable returns over a defined period. This product is ideal for individuals looking to invest in a low-risk vehicle while benefiting from the stability of fixed income securities. It matters because it offers a structured investment option that aligns with financial goals without the volatility of equity markets.
- Targeted at conservative investors
- Offers predictable returns
- Low-risk investment vehicle
- Structured investment option
- Aligns with financial goals
- Backed by SBI's trusted reputation
Investment Thesis
SBI FMP-79-1130D stands out due to its robust promoter credibility, the expansive growth potential in digital services, and attractive valuation compared to peers. This combination positions it as a compelling investment opportunity for retail investors seeking stability and growth.
- Strong backing from the State Bank of India, enhancing credibility.
- Significant growth potential in digital services, catering to evolving consumer needs.
- Attractive valuation metrics compared to industry peers, offering potential upside.
- Focus on fixed maturity plans aligns with conservative investment strategies.
- Diversified portfolio reducing risk exposure for investors.
Opportunity vs Risk
Opportunities
- Stable interest income potential
- Diversification in fixed income portfolio
- Low credit risk exposure
- Suitable for conservative investors
Risks ⚠️
- Interest rate fluctuations
- Liquidity concerns
- Limited capital appreciation
- Market volatility impact
Peer Perspective
SBI FMP-79-1130D trades at a slight premium compared to peers like HDFC FMP and ICICI FMP. A key condition for rerating would be sustained margin stability and consistent growth in assets under management.
📊 Stock Investment Checklist (100 Points)
SBI FMP-79-1130D • Updated: 2025-09-29 15:40:12
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8BusinessHighThe 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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10ProfitabilityHighROE and ROCE are acceptable, but cash flow is not robust.
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9ValuationHighValuation metrics are in line with peers but not compelling.
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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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1TechnicalsLowMarket sentiment is weak with low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
The stock presents several risks with limited growth potential and inconsistent financial performance.