SBI Savings Fund(DD-IDCW)

Ticker: mf14111
Decent 68/100

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Business Overview

The SBI Savings Fund (DD-IDCW) is a well-structured debt mutual fund designed for conservative investors seeking steady income with a moderate level of risk. Ideal for individuals looking to park their savings while earning better returns than traditional savings accounts, this fund focuses on capital preservation and liquidity. It is a suitable choice for short to medium-term financial goals, providing a reliable avenue for wealth accumulation.

  • Managed by SBI Mutual Fund, a trusted name in India
  • Focuses on capital preservation and liquidity
  • Ideal for conservative investors
  • Offers potential returns higher than savings accounts
  • Suitable for short to medium-term financial goals

Opportunity vs Risk

Opportunities
  • Stable returns in a low-interest environment
  • Potential for capital appreciation
  • Tax benefits on long-term investments
  • Diversification in a balanced portfolio
Risks ⚠️
  • Market volatility affecting returns
  • Interest rate fluctuations
  • Liquidity concerns in downturns
  • Regulatory changes impacting funds
📊 Stock Investment Checklist (100 Points)
SBI Savings Fund(DD-IDCW) • Updated: 2025-10-01 15:32:45
  • 10
    Business
    High
    The sector is evolving with digital banking, but competition is intense.
  • 10
    Growth
    High
    Consistent revenue growth observed, but profit margins are under pressure.
  • 10
    Profitability
    High
    ROE and ROCE are decent, but OCF is fluctuating.
  • 8
    Valuation
    High
    Valuation metrics are average compared to peers.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be improved.
  • 6
    Governance
    Good
    Promoter holding is stable, but some concerns over disclosures.
  • 5
    Drivers
    Good
    Growth drivers are present, but execution risks remain.
  • 5
    Technicals
    Good
    Market sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100 • Decent
The SBI Savings Fund shows decent potential but faces challenges in profitability and market competition.