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SBI FMP-76-1221D(IDCW)

Ticker: mf17075
Risky 48/100

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Metrics AI Probability Business Overview Investment Thesis Opportunity/Risk Peer Perspective Future Outlook FAQs Investment Checklist Confidence Score

More Options

I
Invesco India Banking and PSU Fund(M-IDCW)
Score 68/100 Decent
The fund shows potential in the banking and PSU sectors but faces challenges in profitability and valuation metrics.
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I
Invesco India Banking and PSU Fund(DD-IDCW)
Score 68/100 Decent
The fund operates in a stable sector with moderate growth potential, but faces challenges in consistency and valuation.
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E
Edelweiss Government Securities Fund(A-IDCW)
Score 48/100 Risky
The fund shows potential but is hindered by inconsistent growth and profitability metrics, making it a risky investment.
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E
Edelweiss Government Securities Fund(M-IDCW)
Score 48/100 Risky
The fund shows potential but carries significant risks due to market volatility and governance concerns.
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E
Edelweiss Government Securities Fund(F-IDCW)
Score 48/100 Decent
The fund has a decent score with stable returns but is sensitive to interest rate fluctuations and market conditions.
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E
Edelweiss Government Securities Fund(W-IDCW)
Score 66/100 Decent
The fund shows decent potential but faces challenges in profitability and valuation metrics. Caution is advised.
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E
Edelweiss Government Securities Fund(IDCW)
Score 68/100 Decent
Edelweiss Government Securities Fund is a stable investment option with moderate growth potential, suitable for conservative investors.
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U
Union Income Plus Arbitrage Active FOF(IDCW)
Score 48/100 Risky
The fund shows potential but is currently facing several risks that may hinder performance.
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U
Union Income Plus Arbitrage Active FOF(IDCW Payout)
Score 48/100 Decent
The fund shows potential but lacks strong growth drivers and technical momentum.
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B
Bank of India Money Market Fund(DD-IDCW)
Score 70/100 Decent
The Bank of India Money Market Fund shows decent stability but lacks strong growth prospects. Investors should be cautious.
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B
Bank of India Money Market Fund(M-IDCW)
Score 63/100 Decent
The fund shows decent stability but lacks strong growth drivers and profitability metrics.
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L
LIC MF Focused Fund(IDCW)
Score 68/100 Decent
The LIC MF Focused Fund shows a decent investment potential with consistent growth and profitability metrics, although some execution risks exist.
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E
Edelweiss MSCI India Domestic & World Healthcare 45 Index Fund(IDCW)
Score 66/100 Decent
The fund is positioned in a promising sector with decent growth potential, but execution risks and market sentiment may impact performance.
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G
Groww Multicap Fund(IDCW)
Score 68/100 Decent
The Groww Multicap Fund shows decent potential for growth with manageable risks, making it a viable option for investors.
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H
HSBC Conservative Hybrid Fund(Q-IDCW Payout)
Score 48/100 Decent
The fund shows moderate potential but faces several challenges that could impact future performance.
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H
HSBC Conservative Hybrid Fund(M-IDCW Payout)
Score 68/100 Decent
The fund shows decent potential with stable growth and profitability metrics, but investors should be cautious of execution risks.
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Business Overview

SBI FMP-76-1221D (IDCW) is a fixed maturity plan designed for conservative investors seeking stable returns over a defined period. This investment option is ideal for those looking for predictable income while minimizing risk. With the backing of SBI, one of India's leading financial institutions, this fund offers a reliable avenue for wealth creation. It caters to both individual and institutional investors aiming for capital preservation and steady growth.

  • Designed for conservative investors
  • Offers predictable income streams
  • Backed by SBI's strong reputation
  • Minimizes investment risk
  • Ideal for both individuals and institutions

Investment Thesis

SBI FMP-76-1221D offers a compelling investment opportunity due to its strong backing from the SBI promoter group, which enhances its credibility. The ongoing growth in digital services presents a significant runway for expansion. Additionally, its attractive valuation compared to peers makes it an appealing choice for retail investors seeking stable returns.

  • Strong credibility backed by the reputable SBI promoter group.
  • Significant growth potential in digital services sector.
  • Attractive valuation compared to industry peers.
  • Stable income generation through fixed maturity plans.
  • Ideal for conservative investors seeking low-risk options.

Opportunity vs Risk

Opportunities
  • Stable income through fixed maturity
  • Potential for capital appreciation
  • Low interest rate environment
  • Diversification for investment portfolio
Risks ⚠️
  • Market volatility affecting returns
  • Credit risk from underlying assets
  • Liquidity concerns at maturity
  • Regulatory changes impacting performance

Peer Perspective

SBI FMP-76-1221D trades at a slight premium compared to peers like HDFC FMP and ICICI FMP. A sustained improvement in margin stability could trigger a rerating, appealing to conservative investors.
📊 Stock Investment Checklist (100 Points)
SBI FMP-76-1221D(IDCW) • Updated: 2025-10-01 07:09:24
  • 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.
  • 8
    Profitability
    High
    ROE and ROCE are below industry averages, indicating weaker profitability.
  • 9
    Valuation
    High
    Valuation metrics are in line with peers but show limited upside.
  • 6
    Balance
    Good
    Debt levels are manageable, but liquidity could be improved.
  • 7
    Governance
    High
    Promoter holding is stable, but there are concerns about transparency.
  • 5
    Drivers
    Good
    Limited growth catalysts and execution risks are present.
  • 1
    Technicals
    Low
    Market sentiment is weak with low liquidity.
Final Score & Verdict
Score 48 / 100 • Risky
The stock presents several risks with limited growth potential and profitability concerns, making it a risky investment.