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Groww Overnight Fund(W-IDCW)

Ticker: mf17682
Decent 68/100

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Business Overview

The Groww Overnight Fund (W-IDCW) is a low-risk mutual fund designed for investors seeking short-term investment options with high liquidity. Ideal for conservative investors or those looking to park their funds temporarily, this fund invests in overnight securities, ensuring safety and stability. With a focus on capital preservation, it provides a reliable avenue for generating returns while maintaining easy access to your money. This fund is perfect for those wanting to earn better returns than a savings account without significant risk.

  • Low-risk investment option
  • Ideal for short-term financial goals
  • High liquidity for easy access
  • Focus on capital preservation
  • Suitable for conservative investors
  • Better returns compared to traditional savings accounts

Investment Thesis

The Groww Overnight Fund (W-IDCW) presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital financial services, and attractive valuation compared to peers. This combination positions it as a solid choice for retail investors seeking stable returns in a rapidly evolving market.

  • Backed by a reputable promoter group with a proven track record.
  • Capitalizes on the growing digital services sector in India.
  • Offers competitive returns with lower risk profile.
  • Valuation metrics are favorable compared to industry peers.
  • Strong focus on investor education and transparency.

Opportunity vs Risk

Opportunities
  • High liquidity for quick access
  • Potential for attractive returns
  • Diversification in overnight investments
  • Low expense ratio
  • Suitable for conservative investors
Risks ⚠️
  • Interest rate fluctuations
  • Market volatility impact
  • Limited growth potential
  • Regulatory changes
  • Credit risk of underlying assets

Peer Perspective

Groww Overnight Fund (W-IDCW) trades at a slight premium compared to peers like Axis Overnight Fund and HDFC Overnight Fund. A sustained improvement in margin stability could trigger a re-rating in its valuation.
📊 Stock Investment Checklist (100 Points)
Groww Overnight Fund(W-IDCW) • Updated: 2025-10-01 02:49:32
  • 10
    Business
    High
    The fund operates in a sector that is adapting to digital finance trends, but lacks a strong competitive moat.
  • 10
    Growth
    High
    Revenue and profit growth have been inconsistent, reflecting market volatility.
  • 10
    Profitability
    High
    ROE and ROCE are moderate, with OCF showing some stability against net profit.
  • 8
    Valuation
    High
    Valuation metrics like P/E and P/B are higher compared to peers, indicating potential overvaluation.
  • 7
    Balance
    High
    The balance sheet shows manageable debt levels, but liquidity could be improved.
  • 6
    Governance
    Good
    Promoter holding is decent, but there are concerns regarding transparency in disclosures.
  • 5
    Drivers
    Good
    Growth catalysts are limited, with execution risks present in scaling operations.
  • 5
    Technicals
    Good
    Market sentiment is neutral, with low liquidity impacting price action.
Final Score & Verdict
Score 68 / 100 • Decent
The Groww Overnight Fund shows potential but faces challenges in growth consistency and valuation metrics. Caution is advised for new investors.