SBI Short Term Debt Fund(M-IDCW Payout)

Ticker: mf14338
Decent 48/100

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Business Overview

SBI Short Term Debt Fund (M-IDCW Payout) is a mutual fund designed for investors seeking stable returns with moderate risk. Ideal for conservative investors, this fund primarily invests in short-term debt instruments, making it a suitable choice for those looking to park their money for a shorter duration while earning better returns than traditional savings accounts. With expert management and a focus on liquidity, this fund matters for individuals aiming to balance growth and safety in their investment portfolio.

  • Designed for conservative investors
  • Focuses on short-term debt instruments
  • Offers moderate risk with stable returns
  • Managed by experienced professionals
  • Ideal for short-term financial goals
  • Provides liquidity with better returns than savings accounts

Opportunity vs Risk

Opportunities
  • Stable returns in low-interest environment
  • Diversification for fixed income portfolio
  • Potential tax benefits on dividends
Risks ⚠️
  • Interest rate fluctuations impact returns
  • Credit risk from underlying securities
  • Liquidity concerns during market volatility

Peer Perspective

SBI Short Term Debt Fund trades at a slight premium compared to peers like HDFC Short Term Debt Fund and ICICI Short Term Debt Fund. A rerating could occur if it demonstrates consistent margin stability and improved yield performance.
📊 Stock Investment Checklist (100 Points)
SBI Short Term Debt Fund(M-IDCW Payout) • Updated: 2025-10-01 15:33:44
  • 10
    Business
    High
    The sector is stable but lacks significant growth potential.
  • 10
    Growth
    High
    Revenue growth has been consistent but limited.
  • 10
    Profitability
    High
    ROE and ROCE are decent, but cash flow is inconsistent.
  • 8
    Valuation
    High
    Valuation metrics are average compared to peers.
  • 7
    Balance
    High
    Balance sheet is stable with manageable debt levels.
  • 6
    Governance
    Good
    Promoter holding is strong, but disclosures could improve.
  • 5
    Drivers
    Good
    Limited growth drivers and execution risks present.
  • 5
    Technicals
    Good
    Market sentiment is neutral with low liquidity.
Final Score & Verdict
Score 48 / 100 • Decent
The fund shows decent stability but lacks strong growth catalysts. Caution is advised for aggressive investors.