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SBI Retirement Benefit Fund-Conservative Hybrid Plan(IDCW)Direct Plan

Ticker: mf16824
Decent 48/100

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U
UTI Credit Risk Fund(F-IDCW)
Score 48/100 Risky
The UTI Credit Risk Fund presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
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U
UTI Credit Risk Fund(M-IDCW)
Score 48/100 Risky
The fund faces several challenges including inconsistent growth and weak market sentiment, making it a risky investment.
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U
UTI Credit Risk Fund(A-IDCW)
Score 58/100 Decent
The UTI Credit Risk Fund shows potential but is hindered by several risks and inconsistencies in growth and profitability.
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U
UTI Credit Risk Fund(H-IDCW)
Score 68/100 Decent
The UTI Credit Risk Fund shows potential but faces several challenges that may impact its performance.
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U
UTI Credit Risk Fund(IDCW)
Score 68/100 Decent
The UTI Credit Risk Fund shows potential but is facing several challenges that could impact future performance.
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A
Axis Conservative Hybrid Fund(H-IDCW)
Score 68/100 Decent
The Axis Conservative Hybrid Fund shows decent potential with a balanced approach to growth and risk management.
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A
Axis Conservative Hybrid Fund(Q-IDCW)
Score 68/100 Decent
The Axis Conservative Hybrid Fund shows decent potential with stable growth and profitability metrics, but it faces some execution risks and governance concerns.
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A
Axis Conservative Hybrid Fund(A-IDCW)
Score 68/100 Decent
The Axis Conservative Hybrid Fund shows potential but lacks strong growth drivers and consistency in performance metrics.
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L
LIC MF Banking & Financial Services Fund(IDCW)
Score 68/100 Decent
The fund shows potential in a growing sector, but faces challenges in profitability and valuation metrics.
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D
DSP Nifty Smallcap250 Quality 50 Index Fund(IDCW Reinvest)
Score 68/100 Decent
The DSP Nifty Smallcap250 Quality 50 Index Fund shows decent potential with a focus on quality small-cap stocks, but investors should be cautious of market volatility and execution risks.
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D
DSP Nifty Smallcap250 Quality 50 Index Fund(IDCW)
Score 48/100 Decent
The DSP Nifty Smallcap250 Quality 50 Index Fund shows decent potential with a focus on quality smallcap stocks, but investors should be cautious of the inherent risks associated with smallcap investments.
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B
Bank of India Short Term Income Fund(M-IDCW)
Score 72/100 Decent
The fund shows decent potential but lacks strong growth drivers and profitability consistency.
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B
Bank of India Short Term Income Fund(Q-IDCW)
Score 48/100 Risky
The fund shows potential but carries significant risks due to inconsistent growth and valuation concerns.
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S
SBI LT Advantage Fund-VI-(IDCW)
Score 66/100 Decent
The fund shows decent potential with a balanced approach to growth and profitability, though some risks remain.
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B
Baroda BNP Paribas Equity Savings Fund(IDCW)
Score 68/100 Decent
The fund shows decent potential with solid growth and profitability metrics, but some risks remain.
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T
Tata Equity Savings Fund(P-IDCW Payout)
Score 68/100 Decent
The Tata Equity Savings Fund shows a decent overall performance with stable growth and profitability metrics, but caution is advised due to valuation concerns.
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Business Overview

The SBI Retirement Benefit Fund-Conservative Hybrid Plan (IDCW) Direct Plan is designed for individuals seeking a balanced approach to retirement savings. This fund combines equity and debt investments, catering to conservative investors who prioritize capital preservation while aiming for moderate growth. It is ideal for those looking to secure their financial future with a reliable income stream during retirement. This plan emphasizes stability and steady returns, making it a prudent choice for long-term wealth accumulation.

  • Balanced investment strategy combining equity and debt
  • Designed for conservative investors
  • Focuses on capital preservation
  • Provides potential for moderate growth
  • Ideal for retirement planning
  • Managed by SBI, a trusted financial institution

Opportunity vs Risk

Opportunities
  • Stable returns in low-risk environment
  • Tax benefits on retirement savings
  • Diversified investment across assets
  • Potential for capital appreciation
  • Suitable for conservative investors
Risks ⚠️
  • Market volatility affecting returns
  • Limited growth compared to equities
  • Interest rate fluctuations impact bonds
  • Inflation erodes purchasing power
  • Liquidity constraints in retirement funds
📊 Stock Investment Checklist (100 Points)
SBI Retirement Benefit Fund-Conservative Hybrid Plan(IDCW)Direct Plan • Updated: 2025-10-01 15:32:25
  • 10
    Business
    High
    The fund operates in a stable sector with a clear investment model, but lacks a significant competitive moat.
  • 10
    Growth
    High
    Consistent revenue and profit growth observed, but growth rates are moderate.
  • 10
    Profitability
    High
    ROE and ROCE are acceptable, but cash flow generation is inconsistent.
  • 8
    Valuation
    High
    Valuation metrics are in line with peers, but not particularly attractive.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 9
    Governance
    High
    Promoter holding is strong, but there are some concerns regarding disclosures.
  • 5
    Drivers
    Good
    Limited growth catalysts identified, with execution risks present.
  • 2
    Technicals
    Low
    Market sentiment is weak with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100 • Decent
The fund presents a decent investment opportunity with moderate growth potential, but investors should be cautious of liquidity and execution risks.