Once your investable corpus crosses ₹50 lakh, PMS unlocks advantages that standard mutual funds cannot offer.
Unlike mutual funds, PMS managers can tailor the portfolio to your specific preferences — sector exclusions, ESG criteria, or concentration limits.
Stocks are held directly in your demat account — full transparency and legal ownership, unlike pooled fund structures.
Top PMS managers have consistently beaten Nifty 50 by 4–8% annually over 7+ year periods via concentrated, high-conviction portfolios.
PMS allows tactical selling of loss positions to offset capital gains — a tax optimisation tool unavailable in mutual funds.
A named portfolio manager takes responsibility for your portfolio — unlike mutual funds where management can change without notice.
All PMS providers are registered with SEBI under PMS Regulations 2020. Mandatory performance reporting and client audit rights.
Curated access to India's top SEBI-registered PMS managers across every investment style.
| Feature | PMS | Mutual Fund |
|---|---|---|
| Ownership | Direct stock ownership in your demat | Units in a pooled fund |
| Minimum Investment | ₹50 lakh (SEBI mandate) | ₹500 (SIP) |
| Customisation | Highly customisable to your preferences | Standardised for all investors |
| Transparency | Full visibility of every stock held | Monthly portfolio disclosure |
| Tax Efficiency | Harvest losses to offset gains | Cannot customise tax lots |
| Fee Structure | Fixed fee or profit-sharing model | Expense ratio (0.05–2.5%) |
| Regulation | SEBI PMS Regulations, 2020 | SEBI Mutual Fund Regulations |
* PMS and mutual fund suitability depends on individual financial circumstances. Consult your advisor before investing.
HNIs with investable corpus of ₹50 lakh or more
Investors wanting direct stock ownership in demat
Those seeking alpha beyond what index funds deliver
Business owners with lump sum liquidity events
Retirees requiring customised low-churn portfolios
NRIs building India equity wealth from abroad
Investors wanting tax-loss harvesting opportunities
Clients who want to exclude specific sectors or stocks
THE SAHAYAK PMS ONBOARDING PROCESS
We assess your financial goals, liquidity needs, risk appetite, and tax status before recommending any PMS strategy.
We shortlist 2–3 PMS managers aligned to your goals from our curated list of SEBI-registered providers.
PMS agreement, KYC, demat account linkage, and fund transfer — we handle all paperwork end-to-end.
Quarterly performance review, annual rebalancing, and direct access to the fund manager via our platform.
Let our advisors evaluate if PMS is right for your portfolio and shortlist the best managers for your goals and risk profile.