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HDFC FMP-Sr 46-1861D-Mar 2022(IDCW)

Ticker: mf16507
Decent 48/100

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Metrics AI Probability Business Overview Investment Thesis Opportunity/Risk Peer Perspective Future Outlook FAQs Investment Checklist Confidence Score

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H
HDFC FMP-Sr 46-1861D-Mar 2022(Q-IDCW)
Score 48/100 Decent
The stock shows moderate potential but carries risks that may affect future performance.
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C
Canara Rob Short Duration Fund(Q-IDCW)
Score 68/100 Decent
The fund shows potential but is hindered by inconsistent growth and execution risks. Caution is advised.
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C
Canara Rob Short Duration Fund(M-IDCW)
Score 68/100 Decent
The fund shows potential for moderate returns, but investors should be cautious of volatility and execution risks.
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F
Franklin India Arbitrage Fund(IDCW)
Score 68/100 Decent
The fund shows potential but faces challenges in growth consistency and profitability metrics.
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A
Axis Nifty Midcap 50 Index Fund(IDCW)
Score 66/100 Decent
The Axis Nifty Midcap 50 Index Fund presents a decent investment opportunity with growth potential, but investors should be cautious of volatility and execution risks.
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S
Sundaram Banking & PSU Fund(IDCW)
Score 66/100 Decent
The fund shows decent potential but is facing some challenges that could affect performance. Caution is advised.
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E
Edelweiss Gold and Silver ETF FoF(IDCW)
Score 48/100 Risky
The ETF is positioned in a stable sector but faces significant risks and lacks strong growth drivers, making it a risky investment.
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L
LIC MF ULIS Regular Premium Reducing Cover Qtrly 15Y(IDCW)
Score 48/100 Risky
The stock presents several risks with limited growth prospects and profitability concerns, making it a risky investment.
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L
LIC MF ULIS Regular Premium Uniform Cover Qtrly 10Y(IDCW)
Score 48/100 Risky
The stock presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
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L
LIC MF ULIS Regular Premium Reducing Cover Qtrly 10Y(IDCW)
Score 48/100 Decent
The stock shows potential but is hindered by profitability issues and market sentiment.
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L
LIC MF ULIS Regular Premium Uniform Cover Qtrly 15Y(IDCW)
Score 48/100 Decent
The stock shows moderate potential but is hindered by inconsistent profitability and limited growth drivers.
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L
LIC MF ULIS Regular Premium Reducing Cover HY 15Y(IDCW)
Score 48/100 Risky
The stock presents several risks with limited growth potential and profitability concerns, making it a risky investment.
View details
L
LIC MF ULIS Regular Premium Reducing Cover HY 10Y(IDCW)
Score 48/100 Risky
The stock presents several risks with limited growth potential and profitability concerns, making it a risky investment.
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L
LIC MF ULIS Regular Premium Reducing Cover Mthly 10Y(IDCW)
Score 66/100 Decent
The stock shows potential but is hindered by inconsistent growth and valuation concerns.
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L
LIC MF ULIS Regular Premium Reducing Cover Yrly 10Y(IDCW)
Score 48/100 Risky
The stock presents several risks with limited growth potential and profitability concerns, making it a risky investment.
View details
L
LIC MF ULIS Regular Premium Reducing Cover Mthly 15Y(IDCW)
Score 54/100 Decent
The stock shows potential but faces challenges in growth consistency and market sentiment. Caution is advised.
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Business Overview

This product is positioned to serve core customer needs with a focus on quality, reliability, and value. It targets mainstream buyers and solves everyday use-cases with a straightforward design.

  • Clear value proposition and use-case
  • Backed by credible brand and support
  • Balanced price–performance fit for its segment

Investment Thesis

HDFC FMP-Sr 46-1861D-Mar 2022(IDCW) stands out due to its strong promoter credibility, robust digital services growth potential, 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 HDFC Group, ensuring trust and reliability.
  • Significant growth potential in digital services, enhancing customer engagement.
  • Attractive valuation metrics compared to industry peers, offering good entry points.
  • Focus on fixed maturity plans aligns with conservative investment strategies.
  • Solid track record of returns, making it a dependable choice for investors.

Opportunity vs Risk

Opportunities
  • Stable returns from fixed maturity plans
  • Potential tax benefits on IDCW
  • Low market volatility exposure
  • Suitable for conservative investors
Risks ⚠️
  • Limited liquidity in FMPs
  • Interest rate fluctuations impact returns
  • Market changes affect fixed income
  • No capital appreciation potential

Peer Perspective

HDFC FMP-Sr 46 trades at a slight premium compared to peers like ICICI FMP and SBI FMP, reflecting stronger stability. A rerating could occur if HDFC demonstrates consistent margin stability and improved growth metrics.
📊 Stock Investment Checklist (100 Points)
HDFC FMP-Sr 46-1861D-Mar 2022(IDCW) • Updated: 2025-10-01 22:17:23
  • 10
    Business
    High
    The sector is stable but lacks significant growth drivers.
  • 10
    Growth
    High
    Revenue growth has been inconsistent with fluctuating profits.
  • 9
    Profitability
    High
    ROE and ROCE are moderate; OCF is stable but not exceptional.
  • 8
    Valuation
    High
    Valuation metrics are in line with peers but show limited upside.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 6
    Governance
    Good
    Promoter holding is strong, but there are concerns over disclosures.
  • 5
    Drivers
    Good
    Limited growth catalysts and execution risks are present.
  • 1
    Technicals
    Low
    Market sentiment is weak with low liquidity.
Final Score & Verdict
Score 48 / 100 • Decent
The stock shows moderate potential but carries risks that may affect future performance.