From First Call to Fully Invested:
Our 7-Step Process
Transparent. Structured. No surprises. Here's exactly what happens when you partner with PMSAIF — from the first 30-minute call to your portfolio going live and ongoing quarterly support.
What to Expect When You Work With PMSAIF
We believe in process-driven advisory. No high-pressure sales. No opaque recommendations. Just clear steps, honest guidance, and data-driven decisions.
💡 Cost to You: No upfront fees. We earn standard distribution fees from fund houses (disclosed transparently). Our financial incentive is aligned with yours — we only earn when you invest in a quality product.
Initial Discovery Call
A no-obligation conversation with Niraj or Pooja — not a sales executive. We understand your financial goals (retirement, wealth transfer, children's education), your current investment portfolio, and why you're considering PMS/AIF. We'll honestly assess whether PMS/AIF is even the right fit for you — or if you should stick to mutual funds.
Risk Profiling & Goal Mapping
A deep-dive session covering your financial goals, risk tolerance, liquidity needs, and current portfolio mix. We assess your reaction to 2020-crash style events, your investment time horizon, and whether you're building wealth for retirement, legacy, or philanthropy. Deliverable: a personalized Risk Profile Report.
Curated PMS/AIF Shortlisting
Based on your risk profile, we analyse 50+ PMS/AIF strategies using our 100-Point Scorecard and shortlist 2-4 that fit YOUR goals. We do NOT recommend what pays us the highest commission. We DO present objective data — performance across market cycles, fee structures, risk metrics, and our honest strengths/weaknesses analysis.
Due Diligence Presentation
We present our research findings in a detailed, structured session. Fund manager background, investment process, performance in 2008/2018/2020 crashes, risk metrics, fee breakdown, and our honest recommendation (including what could go wrong). At the end, you decide: proceed, request more options, or take time to think. No pressure.
Onboarding & Documentation
Once you decide, we handle all paperwork. For Indian Residents: PAN, Aadhaar, cancelled cheque, KYC, digital agreement signing (5-7 days). For NRIs: Passport, overseas address proof, PAN, NRE/NRO account, Video KYC/IPV, PIS permission (for PMS), digital agreement (15-20 days). We coordinate everything.
Investment Execution
Your capital transfers to the PMS custodian (HDFC/ICICI Bank) or AIF bank account. For PMS: stocks are purchased in YOUR name and reflect in YOUR Demat account within 2-3 days. For AIF: units are issued in your name with allocation confirmation. You receive: portfolio confirmation, investment certificate, and portal login credentials.
Ongoing Support & Monitoring
Our relationship doesn't end after investment. Quarterly Portfolio Reviews (performance vs benchmark, fund manager strategy changes, rebalancing). Complimentary 6-month Investor Learning Programme (₹11,500 value). Quarterly newsletters, SEBI regulatory updates, tax law changes for NRIs. Direct founder access by phone/email/office.
End-to-End Timeline Overview
| Step | What Happens | Indian Resident | NRI |
|---|---|---|---|
| 1. Discovery Call | Understand goals, assess fit | Day 1 | Day 1 |
| 2. Risk Profiling | Deep assessment of risk & goals | Day 1 | Day 1 |
| 3. Shortlisting | Research & shortlist 2-4 options | 3-5 days | 3-5 days |
| 4. Due Diligence | Present findings & recommendations | 1 day | 1 day |
| 5. Onboarding | KYC, documentation, approvals | 5-7 days | 15-20 days |
| 6. Execution | Fund transfer & portfolio creation | 2-3 days | 2-3 days |
| TOTAL | First call to fully invested | 7-10 days | 15-20 days |
| 7. Ongoing Support | Quarterly reviews, education, access | Ongoing | Ongoing |
Why Our Process Works Better
🎓 Education First: We believe an educated investor is our best client. Our 6-month Investor's Learning Programme (complimentary, ₹11,500 value) ensures you understand fundamental analysis, technical analysis, forensic accounting, and investment psychology before making a decision.
🔬 100-Point Scorecard: Every PMS/AIF recommendation is backed by our proprietary 6-pillar framework — People, Process, Performance, Risk, Cost, Transparency. 88% of funds we evaluate are rejected.
🤝 Founder-to-Founder: You will always speak directly to CA Niraj Thacker or CA Pooja Thacker — not an intern, not a call centre executive, not a relationship manager who joined last month.
Free Process & Education Downloads
How It Works — Complete PDF
7-step process explained in detail. Share with family members before scheduling a call.
100-Point Scorecard Explained
The framework we use to evaluate every PMS/AIF. Understand exactly how we select funds for you.
PMS & AIF Complete Guide
Everything you need to know before investing. Written for HNIs & NRIs in plain language.
Ready to Start Your Investment Journey with Clarity?
Schedule your free 30-minute discovery call. No obligation. No sales pressure. Just honest guidance.