A premium investment service where expert portfolio managers actively manage your securities — tailored to your goals, risk profile and financial horizon.
PMS is a professional financial service where skilled portfolio managers and stock market experts manage your equity portfolio with the support of a dedicated research team — so you don't have to monitor markets daily.
Unlike a mutual fund investor who owns units of the fund, PMS investors own individual securities directly — providing the freedom and flexibility to tailor your portfolio to personal preferences and financial goals.
PMS is designed to maximise returns while minimising risk — enabling sound investment decisions backed by extensive research and factual data, with your portfolio actively managed at all times.
Every PMS client has their own segregated demat account. There is no pooling of investor funds — ensuring complete transparency, individual reporting and direct visibility of holdings at all times.
There are 4 types of PMS — each suited to a different investor profile and level of management control.
The portfolio manager's primary goal is to maximise returns by diversifying investments across asset classes, industries and businesses. Results in higher turnover compared to the passive style.
Focuses on fixed profiles aligned with current market trends. Managers prefer index funds that grow passively over time with minimal intervention — low turnover, good long-term returns.
The manager independently selects strategies based on your objectives, risk tolerance and duration — e.g. equity funds for risk-takers, debt funds for risk-averse investors. You give authority; manager executes.
Portfolio managers advise you on investing, but the final decision always remains yours. Once you approve, the manager executes on your behalf — full control, expert guidance.
Key benefits that make PMS a compelling choice for high-net-worth investors seeking active, personalised portfolio management.
Qualified portfolio managers backed by strong research teams manage your portfolio — experts who understand market volatility and aim to increase your profit margin over time.
Portfolios built around your income, age, budget, risk appetite and financial goals — including special mandates like Sharia-compliant portfolios or restricted stock lists.
Portfolio managers diversify risk across asset classes and sectors so your capital is protected when market trends change — the primary goal is reducing risk while increasing returns.
PMS can be more aggressive than mutual funds and has the potential to generate superior returns — with portfolio managers holding conviction positions as long as they deliver growth.
Comprehensive performance reporting with regular statements and web-enabled access — you're always a click away from complete information on holdings, quantities and portfolio value.
PMS presents an investment plan as per your individual income, budget, age and ability to undertake risks — highly personalised compared to standardised mutual fund products.
In PMS, you directly own the individual stocks and securities in your portfolio — they sit in your own demat account, under your name.
In a mutual fund, you only own units of a pooled vehicle. You never see or own the underlying securities directly.
A transparent, step-by-step process — from onboarding to active management and regular reporting.
Complete KYC and documentation — trading account, demat account, and bank account forms. Our relationship managers guide you through the full onboarding process.
Based on your investment objectives, risk tolerance and investment duration, the manager selects an appropriate strategy — e.g. equity-oriented for risk-takers, debt-oriented for conservative investors.
A separate demat account is opened in your own name. Your securities are held directly by you — not pooled with other investors. Every client has their own segregated account.
The portfolio manager builds your portfolio per the selected strategy and timing of investment. The portfolio is actively managed — buying, holding and exiting positions as market conditions evolve.
You receive comprehensive performance reports and account statements regularly. Web-enabled access gives you real-time visibility of holdings, quantities and portfolio value.
No hard lock-in period — exit load may apply per strategy. Returns are credited to your account, with capital gains taxed at the individual security level based on holding period.
PMS typically charges two components — a fixed annual management fee and a performance fee above a pre-agreed hurdle rate.
Taxation is based on each individual security transaction.
Curated PMS offerings distributed on a non-advisory basis through our platform.
How PMS compares with other investment avenues across key parameters.
| Feature | PMS | Mutual Fund | AIF (Cat III) |
|---|---|---|---|
| Target Investors | HNIs seeking personalised management | First-time to long-term investors | Ultra-HNIs & Institutions |
| Minimum Investment | ₹50 Lakh | ₹500 (SIP) / ₹5,000 (Lumpsum) | ₹1 Crore |
| Fund Pooling | No pooling — separate portfolio per client | Pooled investment vehicle | Pooled, privately placed |
| Ownership | Investor owns individual securities directly | Investor owns units of the fund | Investor holds units |
| Demat Account | Required — in investor's own name | Not required | Not required |
| Customisation | High — tailored to individual needs | None — standardised | Moderate — strategy-level |
| Leverage | Not allowed | Not allowed | Allowed — up to 200% |
| Fee Structure | Management Fee + Performance Fee | Expense Ratio (max 2.25%/2%) | Management + Performance Fee |
| Lock-in Period | No hard lock-in; exit load may apply | No hard lock-in; exit load may apply | Min 3 years (Cat I & II) |
| Regulation | SEBI | SEBI | SEBI — AIFR |
* As per current regulations. Subject to change. Please consult your investment / tax adviser.
PMS presents plans as per individual income, budget, age and ability to undertake risks.
Minimizes risks involved in investing and increases the possibility of generating profits.
Diversification of portfolio across sectors helps in effective risk management.
PMS can be more aggressive and has the potential to generate higher returns.
Offers various themes which help leverage different economic situations.
High accountability of the fund manager towards portfolio performance.
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