Premium Wealth Management
for India's Finest Investors
Data-driven PMS & AIF selection for Indian HNIs, UHNIs & NRIs. Founded by CA Niraj & Pooja Thacker (Ex-Deloitte, Ex-EY) — we combine Big Four forensic analysis with investor education to deliver evidence-based wealth advisory that protects your downside and accelerates your alpha.
"Knowledge increases by sharing, not by saving. Real knowledge is to know the extent of one's ignorance.
— The Founding Philosophy of PMSAIF Partners · CA Niraj & Pooja Thacker
The Art of Selection in a Crowded Market
In an ecosystem with 400+ PMS strategies and 1,000+ AIF schemes, access is easy — curation is scarce. We act as your institutional gatekeeper, filtering out noise to identify managers who can truly protect and grow your capital.
What is Your Investment DNA?
Before we select a product, we must understand your philosophy. These scenarios reveal how you truly think about risk and return.
Surface Level vs. The Deep Dive
| Evaluation Criterion | Standard Industry | Profit Tantra Approach |
|---|---|---|
| Performance Review | Review 1, 3, 5-year returns | Analyse decisions during market crises (2008, 2020, 2022) |
| Fund Manager Analysis | Check AUM and fund size | Verify: Does the manager invest their own money? |
| Research Process | Read the factsheet | Conduct face-to-face interviews, speak to former employees & investors |
| Recommendation Basis | Based on recent performance | Reject 88% of funds — only exceptional managers make our list |
| Risk Measurement | Compare against benchmark index | Sharpe Ratio, Sortino Ratio, risk-adjusted returns per unit of risk |
| Transparency | Read marketing materials | Disclose all fees upfront, present strengths AND weaknesses honestly |
What We Won't Do: We won't recommend a fund based solely on recent outperformance. We won't match you with a strategy we wouldn't use ourselves. We won't pretend we can predict market timing.
Real Credentials. Real Experience.
Big Four alumni who have seen institutional finance from the inside — and chose to bring that rigour to individual wealth management.
CA Niraj Thacker
Co-Founder & Chief Investment Analyst · Ex-Deloitte
Chartered Accountant with deep forensic accounting expertise from Deloitte. Brings institutional-grade financial analysis to PMS/AIF selection — identifying red flags that marketing materials are designed to hide.
Personally invests in the same PMS and AIF strategies recommended to clients, alongside his family members. Complete alignment of interests — no commission conflict.
CA Pooja Thacker
Co-Founder & Financial Planning Head · Ex-EY · Ex-Nvidia · Ex-Infosys
Chartered Accountant with multinational corporate experience across EY, Nvidia, and Infosys. Specializes in goal-based financial planning, tax efficiency strategies, and NRI cross-border investment structures.
Leads the Investor's Learning Programme — ensuring every client is educated about what they own and why. An educated investor is the best partner in building long-term wealth.
Serving Investors Across the World
PMS vs AIF: Which One Fits Your Goals?
Both are SEBI-regulated with professional management. But they're fundamentally different — the right choice depends on your net worth, risk profile, and investment horizon.
| Feature | PMS | AIF | Mutual Funds |
|---|---|---|---|
| Minimum Investment | ₹50 Lakhs | ₹1 Crore | ₹500 |
| Asset Ownership | Direct — stocks in your Demat | Units in the fund (pooled) | Units in the fund |
| Customization | ✓ High — tailored to goals | Moderate | ✗ Low |
| Tax Harvesting | ✓ Yes — strategic loss booking | Pass-through taxation | ✗ No |
| Liquidity | High — exit 30-90 days | Low — lock-in 3-5 years | High — T+1 |
| Target Investor | HNIs seeking listed market alpha | UHNIs seeking private market alpha | All investors |
6-Month Investor's Learning Programme
Every PMS/AIF client receives free access (₹11,500 value). Because educated investors don't panic-sell during corrections — and that's what separates wealth creators from wealth destroyers.
📅 Format: Online video lectures + Live Q&A sessions with Niraj and Pooja + Case studies from real market events | ⏱️ Duration: 6 months | 💰 Value: ₹11,500 — complimentary for all PMS/AIF clients
What Our Investors Say
"I was overwhelmed by 50+ PMS options. PMSAIF's 100-Point Scorecard gave me clarity. Their forensic lens helped me avoid two fund managers with questionable track records. They educated me, not just sold me."
"As a Dubai-based NRI, I was worried about compliance and repatriation. PMSAIF handled everything — NRE account, PIS permissions, DTAA benefits. The entire process took 18 days. Highly recommend for UAE investors."
"They were brutally honest about realistic returns and time horizons. No false promises of '30% guaranteed'. Their risk profiling matched me with a manager suited to my temperament. That personalized approach is rare."
"What I appreciated most: Niraj and Pooja invest in the same strategies they recommend. Skin in the game. That transparency won my trust. Plus, the Investor's Learning Programme is exceptional."
"Understanding behavioral biases helped me stay disciplined during the 2023 market correction while my friends were panic selling. Their ongoing support and quarterly reviews are genuinely valuable."
"Data-driven. Evidence-based. No commission conflicts. PMSAIF gave me 4 curated options based on my risk profile — not what pays them the most. This is how wealth advisory should be done."
Frequently Asked Questions
Ready to Invest with Clarity, Not Confusion?
Schedule a free 30-minute discovery call. No obligation. No sales pressure. Just honest guidance from India's most trusted boutique PMS & AIF advisors.