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In simple words, a portfolio management service provides professional management of your investments to create wealth. 

Portfolio management service providers advise clients on buying or selling shares, derivatives or other type of securities. Depending on the type of PMS, the manager can also buy or sell securities on behalf of the clients. An entity needs to be registered with the Securities and Exchange Board of India as a portfolio manager. An investor individually owns the securities in a PMS portfolio, unlike a mutual fund where investors only own units of the fund and not the actual securities.

Portfolio Management Service is a tailor made professional service offered to cater the investments objective of different investor classes. The Investment solutions provided by PMS cater to a niche segment of clients. The clients can be Individuals or Institutions entities with high net worth.

As people become richer, it's natural for them to wish for above-average returns from their savings. Towards this end, some opt for portfolio management services (PMS), which offers equity and debt options.

Alternative Investment Fund (AIF) offer real estate, unlisted shares and structured products options.

POINT :: HIGH RETURNS + LIQUIDITY (option to exit when you want to) not come along with real estate or physical gold investment, also these investment options have higer maintainence cost in form of security and storage also have legal issues attached.


PMS trade in a wide range of securities, including structured products, which is not available to a mutual fund. PMS regulations are less strict than MF regulations. A PMS is a more personalised investment solution; some investors may ask their portfolio managers to allocate a large part of corpus to non-equity products like fixed income, gold, etc.


PMS do not disclose the portfolio as much as MFs. There have also been cases where PMS managers have misused the money.


The investor and the portfolio manager enter into an agreement detailing the investment strategy, goals and other details. The investor can offer either a sum of up to Rs 25 lakh or stocks worth this much.

PMS are offered on discretionary where the manager takes investment decisions and has the power of attorney to manage the investor's demat account as well as non-discretionary basis where the portfolio manager merely suggests investment ideas, the rest is the investor's choice to act or not.

PMS' closest competition is mutual funds, both differ in terms of working, fee, Sebi regulations and risk-reward profile.

While the main aim of PMS is offering customised services, many consultants offer investors the choice of different model portfolios. "In this, the service providers have different model portfolios such as large-cap and mid-cap. Investors choose depending upon their needs.

While many PMS providers offer standardised portfolios, some offer investments tailored to clients' goals. This is not possible in mutual funds, as they cannot hold more than 10% net asset value in a single stock.
While this spreads risk, a big disadvantage is that mutual funds cannot hold a big stake in a company even if it is a very good investment. PMS do not have this limitation.

How PMS Benefits You

The advantages for an investor to opt for PMS are mainly:

Expert Advice: The major advantage of investing in PMS is the expert help that you get in deciding how to invest your money. Unlike a mutual fund, PMS make sure that your individual choices are taken care of while advising. This makes every scheme unique as it caters to different investors. It is your money and you need to know what you can do with it. Not what a fund manager can do with money collected from a hundred other investors.

Transparent Schemes: PMS is very transparent in the sense that you know exactly where and how your money is being invested. PMS sometimes serves only as an advisor and it is you who must take the final decision. This makes the whole thing very transparent and you get to be a part of the decision making on how to invest your own money.


If You Have 25 lacs or a Couple of Crores To Invest ... and You Demand Higher Returns (beating inflation) Along With Real Time Liquidity On Your Money ... Then Opt For Our Class Leading Portfolio Management Service, but ...