SBI FMP-44-1855D(IDCW)
Ticker: mf16614
Decent
58/100
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Nippon India Nifty AAA PSU Bond Plus SDL - Sep 2026 Maturity 50:50 Index Fund(IDCW)
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Nippon India Taiwan Equity Fund(IDCW)
The Nippon India Taiwan Equity Fund shows decent potential with strong growth and profitability metrics, but caution is advised due to valuation concerns and execution risks.
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Aditya Birla SL Nifty 50 Equal Weight Index Fund(IDCW Reinv)
The fund shows a decent investment potential with a balanced approach across sectors and strong underlying fundamentals.
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Aditya Birla SL Nifty 50 Equal Weight Index Fund(IDCW)
The fund presents a decent investment opportunity with a balanced approach to growth and risk, though some caution is advised due to execution risks.
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Bank of India Consumption Fund(IDCW)
The Bank of India Consumption Fund shows decent potential but faces challenges in growth consistency and profitability metrics.
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Quant Healthcare Fund(IDCW)
The fund shows potential in a growing sector but faces challenges in profitability and valuation metrics.
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Nippon India MNC Fund(IDCW)
The Nippon India MNC Fund shows decent potential with a focus on multinational companies, but caution is advised due to valuation concerns and market risks.
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B
Bandhan Floater Fund(P-IDCW)
The Bandhan Floater Fund shows decent potential but faces challenges in growth consistency and valuation metrics. Investors should proceed with caution.
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B
Bandhan Floater Fund(Q-IDCW Reinv)
The fund shows potential but faces several challenges that could impact future performance.
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B
Bandhan Floater Fund(A-IDCW)
The fund shows potential for moderate growth but is hindered by market sentiment and competitive pressures.
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B
Bandhan Floater Fund(W-IDCW)
The fund shows some potential but faces several challenges that may hinder growth.
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B
Bandhan Floater Fund(M-IDCW Reinv)
The fund shows potential but has several areas of concern that need addressing.
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B
Bandhan Floater Fund(DD-IDCW)
The fund shows potential with decent growth prospects, but faces challenges in profitability and execution risks.
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B
Bandhan Floater Fund(A-IDCW Reinv)
The fund shows potential but has several risks that could impact performance.
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B
Bandhan Floater Fund(P-IDCW Reinvest)
The fund shows potential but is currently facing several challenges that make it a risky investment.
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B
Bandhan Floater Fund(Q-IDCW)
The fund shows potential but carries some risks that need to be monitored closely.
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Business Overview
SBI FMP-44-1855D (IDCW) is a fixed maturity plan designed for conservative investors seeking stable returns over a defined period. This investment option is ideal for individuals looking to balance risk and reward while preserving capital. With a focus on fixed-income securities, it offers predictable income and liquidity at maturity. SBI's strong reputation adds to the trustworthiness of this product, making it a reliable choice for wealth accumulation.
- Ideal for conservative investors
- Offers stable returns over a fixed term
- Focus on fixed-income securities
- Provides predictable income
- Backed by SBI's strong reputation
Investment Thesis
SBI FMP-44-1855D offers a compelling investment opportunity driven by a robust promoter group, significant growth in digital services, and attractive valuations compared to peers. This combination positions it well for future performance, making it a worthy addition to any retail investor's portfolio.
- Strong backing from State Bank of India, ensuring credibility and stability.
- Expanding digital service offerings cater to the evolving needs of customers.
- Attractive valuation metrics compared to industry peers enhance investment appeal.
- Potential for consistent returns through disciplined fund management.
- Alignment with India's growing financial inclusion and digital transformation trends.
Opportunity vs Risk
Opportunities
- Stable income through regular dividends
- Potential for capital appreciation
- Diversification in fixed income portfolio
- Strong backing from SBI
- Low interest rate environment favors bonds
Risks ⚠️
- Interest rate fluctuations impact returns
- Credit risk associated with underlying assets
- Liquidity concerns in bond market
- Market volatility affecting performance
- Regulatory changes in fixed income sector
Peer Perspective
SBI FMP-44-1855D trades at a slight premium compared to peers like HDFC FMP and ICICI FMP. A rerating could occur if it demonstrates consistent margin stability and improved asset quality.
📊 Stock Investment Checklist (100 Points)
SBI FMP-44-1855D(IDCW) • Updated: 2025-10-01 22:58:27
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8BusinessHighThe sector is stable but lacks significant growth drivers.
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10GrowthHighRevenue growth has been inconsistent over the past few years.
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9ProfitabilityHighROE and ROCE are decent, but cash flow is volatile.
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6ValuationGoodValuation metrics are slightly above peers.
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7BalanceHighDebt levels are manageable, but liquidity is a concern.
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8GovernanceHighPromoter holding is strong, but some pledging exists.
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5DriversGoodLimited growth catalysts identified.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 58 / 100
• Decent
The stock shows moderate potential but carries risks due to inconsistent growth and liquidity concerns.