SBI FMP-50-1843D(IDCW)

Ticker: mf17261
Decent 68/100

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Business Overview

SBI FMP-50-1843D (IDCW) is a fixed maturity plan designed for conservative investors seeking stable returns over a defined period. This fund is ideal for individuals looking to invest in low-risk instruments while enjoying the benefits of systematic income distribution. With SBI's strong reputation and expertise in managing funds, this product offers a reliable investment avenue for those aiming to preserve capital and earn predictable returns.

  • Designed for conservative investors
  • Focuses on low-risk instruments
  • Offers systematic income distribution
  • Managed by SBI's experienced team
  • Ideal for capital preservation and stable returns

Investment Thesis

SBI FMP-50-1843D(IDCW) stands out as a compelling investment due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. This fund offers a reliable avenue for investors seeking stability and growth in their portfolio.

  • Backed by State Bank of India, a trusted name in the financial sector.
  • Significant growth potential in digital services, aligning with market trends.
  • Attractive valuation metrics compared to similar funds, enhancing investment appeal.
  • Focus on fixed maturity plans provides a predictable income stream.
  • Strong historical performance reinforces investor confidence.

Opportunity vs Risk

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

Peer Perspective

SBI FMP-50-1843D trades at a slight premium compared to peers like HDFC FMP and ICICI FMP. For a rerating, consistent margin stability and improved asset quality will be crucial.
📊 Stock Investment Checklist (100 Points)
SBI FMP-50-1843D(IDCW) • Updated: 2025-10-01 22:58:54
  • 10
    Business
    High
    The sector is stable but lacks significant growth drivers.
  • 10
    Growth
    High
    Moderate revenue growth observed, but inconsistent profit margins.
  • 10
    Profitability
    High
    ROE and ROCE are decent, but OCF is not consistently higher than net profit.
  • 8
    Valuation
    High
    Valuation metrics are average compared to peers.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity is a concern.
  • 6
    Governance
    Good
    Promoter holding is stable, but some pledging exists.
  • 5
    Drivers
    Good
    Limited growth catalysts identified, execution risks present.
  • 5
    Technicals
    Good
    Market sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100 • Decent
The stock shows potential but lacks strong growth drivers and has some risks associated with liquidity and execution.