SBI Overnight Fund
Ticker: mf12406
Decent
48/100
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Business Overview
The SBI Overnight Fund is a debt mutual fund designed for investors seeking a safe and liquid investment option. Ideal for conservative investors, it primarily invests in overnight securities, ensuring low risk and stable returns. This fund is perfect for those looking to park their surplus funds for short durations while earning better returns than traditional savings accounts. With SBI's strong reputation and expertise in fund management, investors can trust this fund for their short-term investment needs.
- Low-risk investment option
- Ideal for conservative investors
- Invests in overnight securities
- Provides liquidity and stability
- Managed by SBI's experienced team
- Better returns than savings accounts
Investment Thesis
SBI Overnight Fund stands out due to its robust backing from the State Bank of India, ensuring credibility and stability. The fund is well-positioned to leverage the growing demand for digital services in the financial sector. With attractive valuations compared to its peers, it presents a compelling investment opportunity for retail investors seeking growth and safety.
- Strong credibility from SBI's established promoter group.
- Significant growth potential in digital financial services.
- Attractive valuation metrics compared to industry peers.
- Stable returns with low risk profile, ideal for conservative investors.
- Access to a diversified portfolio of overnight instruments.
Opportunity vs Risk
Opportunities
- Stable returns in volatile markets
- Low expense ratio
- High liquidity for investors
- Suitable for short-term goals
Risks ⚠️
- Interest rate fluctuations
- Credit risk from underlying assets
- Market volatility impact
- Limited growth potential compared to equities
Peer Perspective
SBI Overnight Fund trades at a slight premium compared to peers like HDFC Overnight Fund and ICICI Overnight Fund. For a rerating, consistent margin stability and improved liquidity management will be crucial.
📊 Stock Investment Checklist (100 Points)
SBI Overnight Fund • Updated: 2025-09-29 15:43:31
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10BusinessHighThe fund operates in a stable sector with a clear model, but lacks a significant competitive moat.
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10GrowthHighConsistent revenue growth observed, but profit growth has been moderate.
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10ProfitabilityHighROE and ROCE are decent, but cash flow has been inconsistent.
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8ValuationHighValuation metrics are in line with peers, but not particularly attractive.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is stable, but there are concerns about transparency.
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5DriversGoodLimited growth catalysts identified, with some execution risks.
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5TechnicalsGoodMarket sentiment is neutral, with average liquidity.
Final Score & Verdict
Score 48 / 100
• Decent
The SBI Overnight Fund shows moderate potential with stable growth, but faces challenges in profitability and governance that may impact future performance.