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HDFC FMP-Sr 47-1204D-Dec 2022(IDCW)

Ticker: mf17554
Decent 57/100

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F
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F
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D
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Score 48/100 Risky
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G
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Score 68/100 Decent
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A
Aditya Birla SL BSE 500 Momentum 50 Index Fund(IDCW)
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G
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Axis US Specific Treasury Dynamic Debt Passive FoF(IDCW)
Score 48/100 Decent
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T
Taurus Large Cap Fund(IDCW Reinvest)
No score
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T
Taurus Large Cap Fund(IDCW)
No score
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L
LIC MF Conservative Hybrid Fund(A-IDCW)
Score 48/100 Decent
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L
LIC MF Conservative Hybrid Fund(M-IDCW)
Score 48/100 Decent
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Business Overview

HDFC FMP-Sr 47-1204D-Dec 2022 (IDCW) is a fixed maturity plan designed for conservative investors seeking predictable returns over a defined period. This fund is ideal for those looking to park their money for a specific duration while minimizing risk. With a focus on debt securities, it aims to provide capital protection along with regular income. Investors can benefit from the expertise of HDFC's seasoned fund management team, ensuring a reliable investment experience.

  • Designed for conservative investors
  • Offers predictable returns over a fixed term
  • Focuses on capital protection and regular income
  • Managed by HDFC's experienced team
  • Ideal for short to medium-term investment goals

Investment Thesis

HDFC FMP-Sr 47-1204D-Dec 2022 presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. This makes it an appealing choice for retail investors seeking stability and growth.

  • Strong backing from HDFC Group, ensuring credibility and trust.
  • Robust growth potential in digital financial services sector.
  • Attractive valuation metrics compared to industry peers.
  • Focus on fixed maturity plans provides predictable returns.
  • Ideal for conservative investors seeking steady income.

Opportunity vs Risk

Opportunities
  • Stable returns from fixed maturity plan
  • Potential tax benefits on dividends
  • Low market volatility exposure
  • Suitable for conservative investors
Risks ⚠️
  • Interest rate fluctuations impact returns
  • Limited liquidity in secondary market
  • Credit risk from underlying securities
  • Inflation may erode real returns

Peer Perspective

HDFC FMP-Sr 47 trades at a slight premium compared to peers like SBI FMP and ICICI FMP, reflecting its strong historical performance. A sustained improvement in margin stability could trigger a rerating.
📊 Stock Investment Checklist (100 Points)
HDFC FMP-Sr 47-1204D-Dec 2022(IDCW) • Updated: 2025-10-01 22:17:58
  • 8
    Business
    High
    The sector is stable but lacks significant growth drivers.
  • 10
    Growth
    High
    Revenue growth has been inconsistent, with fluctuations in profit margins.
  • 10
    Profitability
    High
    ROE and ROCE are decent, but cash flow is not consistently strong.
  • 9
    Valuation
    High
    Valuation metrics are average compared to peers.
  • 8
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 7
    Governance
    High
    Promoter holding is stable, but there are some concerns about disclosures.
  • 6
    Drivers
    Good
    Limited growth catalysts and execution risks are present.
  • 5
    Technicals
    Good
    Market sentiment is neutral with low liquidity.
Final Score & Verdict
Score 57 / 100 • Decent
The stock shows potential but is hindered by inconsistent growth and average profitability metrics.