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PMS Explainer

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PMS · Slide 1 of 6

What is PMS?

A professionally-managed portfolio of stocks held directly in your demat, tailored to you — not pooled like a mutual fund.

💼 Your Demat Account Direct stock ownership
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TCS RELIANCE HDFC INFY

Investors with ₹50L+ (SEBI minimum) who want a personalised, concentrated portfolio in their own name and accept higher risk.

SEBI Minimum Ticket Size ₹50 Lakhs
✓ High Net-worth Individuals (HNIs)
✓ Concentrated high-conviction exposure

Personalised strategy, direct ownership & transparency, concentrated high-conviction picks, active professional management.

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Personalised Strategy

Tailored to your risk/reward profile.

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Direct Ownership

Full transparency on every trade.

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High Conviction

15-30 stocks, no over-diversification.

Direct ownership vs pooled units; ₹50L vs ₹500 min; high customisation; fuller transparency; typically higher, sometimes performance-linked fees.

Feature PMS Mutual Funds
Ownership Direct stocks in Demat Pooled units
Min. Ticket ₹50 Lakhs ₹500
Customisation High (custom models) None
Transparency Real-time trades Monthly disclosure

Fixed and/or performance fee (high-water mark); gains taxed in your hands since you hold securities directly.

Fixed Fee 1% - 2.5% p.a.

Charged on Assets under Management (AUM)

Performance Fee 10% - 20%

Above hurdle rate (e.g. 10% returns) with High-Water Mark

⚠️ Taxation: Capital gains are triggered on every portfolio transaction and taxed in your hands directly.

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