SBI Savings Fund(W-IDCW)

Ticker: mf14110
Decent 68/100

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Business Overview

The SBI Savings Fund (W-IDCW) is a well-structured mutual fund designed for conservative investors seeking steady income with moderate risk. Ideal for individuals looking to enhance their savings while maintaining liquidity, this fund focuses on generating returns through a mix of debt and equity instruments. It matters because it provides a reliable investment avenue with the backing of SBI's strong reputation and expertise in fund management.

  • Managed by SBI, a trusted financial institution
  • Focuses on steady income generation
  • Suitable for risk-averse investors
  • Offers liquidity and flexibility
  • Regular income distribution through IDCW option

Opportunity vs Risk

Opportunities
  • Stable returns in a low interest environment
  • Potential for capital appreciation
  • Tax benefits on long-term investments
  • Diversification in investment portfolio
Risks ⚠️
  • Market volatility affecting returns
  • Interest rate fluctuations
  • Liquidity concerns during redemption
  • Regulatory changes impacting funds
📊 Stock Investment Checklist (100 Points)
SBI Savings Fund(W-IDCW) • Updated: 2025-10-01 15:33:19
  • 10
    Business
    High
    The sector is stable but lacks significant growth drivers.
  • 10
    Growth
    High
    Consistent revenue growth but profit margins are under pressure.
  • 10
    Profitability
    High
    ROE and ROCE are decent, but OCF is inconsistent.
  • 8
    Valuation
    High
    Valuation metrics are slightly above peers.
  • 7
    Balance
    High
    Debt levels are manageable, but liquidity could be better.
  • 6
    Governance
    Good
    Promoter holding is stable, but some concerns over 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 68 / 100 • Decent
The SBI Savings Fund shows decent potential but faces challenges in profitability and growth drivers.