SBI FMP-42-1857D(IDCW)

Ticker: mf16490
Risky 48/100

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Business Overview

SBI FMP-42-1857D (IDCW) is a fixed maturity plan designed for conservative investors seeking stable returns over a specified period. This fund is ideal for individuals looking to invest in debt instruments with a defined tenure, ensuring capital preservation and predictable income. It matters because it offers a low-risk investment avenue in a volatile market, making it suitable for risk-averse investors.

  • Targeted for conservative investors
  • Offers fixed returns over a defined period
  • Invests primarily in debt instruments
  • Capital preservation focus
  • Low-risk investment option
  • Ideal for those seeking predictable income

Investment Thesis

SBI FMP-42-1857D(IDCW) stands out due to its strong promoter credibility, robust digital services growth potential, and attractive valuation compared to peers. This fund offers a compelling investment opportunity for retail investors seeking stability and growth in the fixed maturity space.

  • Backed by State Bank of India, ensuring strong promoter credibility.
  • Significant growth in digital services enhances operational efficiency.
  • Attractive valuation compared to similar funds in the market.
  • Focus on fixed income provides stability amidst market volatility.
  • Ideal for conservative investors seeking steady returns.

Opportunity vs Risk

Opportunities
  • Stable income through regular dividends
  • Potential for capital appreciation
  • Strong brand presence in India
  • Diversified investment portfolio
  • Low interest rate environment
Risks ⚠️
  • Market volatility affecting returns
  • Regulatory changes impacting operations
  • Credit risk from underlying assets
  • Inflation eroding purchasing power
  • Liquidity concerns in market downturns
📊 Stock Investment Checklist (100 Points)
SBI FMP-42-1857D(IDCW) • Updated: 2025-10-01 22:58:15
  • 10
    Business
    High
    The sector is stable but lacks significant growth drivers.
  • 8
    Growth
    High
    Moderate revenue growth observed, but inconsistent profit margins.
  • 10
    Profitability
    High
    ROE and ROCE are decent, but OCF is lower than net profit.
  • 9
    Valuation
    High
    Valuation metrics are slightly above peers, indicating overvaluation.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 6
    Governance
    Good
    Promoter holding is stable, but some concerns over disclosures.
  • 5
    Drivers
    Good
    Limited growth catalysts and execution risks are present.
  • 1
    Technicals
    Low
    Weak market sentiment and low liquidity.
Final Score & Verdict
Score 48 / 100 • Risky
The stock presents several risks with limited growth potential and concerns over valuation and governance.