SBI FMP-52-1848D(IDCW)

Ticker: mf17187
Risky 48/100

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Business Overview

SBI FMP-52-1848D (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 while aiming for predictable income through regular distributions. With SBI's trusted reputation and expertise in managing funds, this scheme offers a reliable avenue for wealth accumulation. Investors can benefit from the potential of capital appreciation while enjoying the security of fixed maturity.

  • Designed for conservative investors
  • Offers stable returns over a fixed period
  • Ideal for those seeking predictable income
  • Managed by SBI's experienced fund managers
  • Aims for capital appreciation with security
  • Regular distributions enhance cash flow

Investment Thesis

SBI FMP-52-1848D(IDCW) presents a compelling investment opportunity due to its strong backing from the SBI Group, a credible promoter. The fund is well-positioned to benefit from the ongoing digital services growth in India, while its attractive valuation compared to peers enhances its appeal for retail investors.

  • Strong backing from the reputable SBI Group ensures credibility and stability.
  • Significant growth potential in digital services aligns with India's tech-forward trajectory.
  • Attractive valuation compared to peer funds makes it a cost-effective investment option.
  • Focus on fixed maturity plans provides predictable returns, appealing to conservative investors.
  • Diversified portfolio reduces risk, enhancing overall investment safety.

Opportunity vs Risk

Opportunities
  • Stable interest income potential
  • Diversification in fixed income
  • Tax benefits on long-term holdings
Risks ⚠️
  • Interest rate fluctuations
  • Liquidity concerns in market
  • Credit risk from underlying assets

Peer Perspective

SBI FMP-52-1848D trades at a slight premium compared to peers like HDFC FMP and ICICI FMP, reflecting its stronger historical performance. A sustained improvement in margin stability could trigger a rerating.
📊 Stock Investment Checklist (100 Points)
SBI FMP-52-1848D(IDCW) • Updated: 2025-10-01 22:59:09
  • 10
    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 OCF has shown volatility.
  • 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 there are minor concerns about disclosures.
  • 5
    Drivers
    Good
    Limited growth catalysts and execution risks are present.
  • 5
    Technicals
    Good
    Market sentiment is neutral with low liquidity.
Final Score & Verdict
Score 48 / 100 • Risky
The stock presents several risks with inconsistent growth and average profitability metrics, making it a risky investment at this time.