Precision Wealth Engineering
for HNI Investors
Professional equity portfolio management with minimum ₹50 Lakhs. You own individual stocks in your own Demat account — with full transparency, customization, and institutional-grade tax efficiency.
What is Portfolio Management Services?
Portfolio Management Services (PMS) is a professional investment service where qualified portfolio managers manage your equity portfolio with the aim of generating alpha — superior returns over market benchmarks.
Unlike Mutual Funds where you hold units of a pooled fund, in PMS you own the individual stocks in your own Demat account. If the manager buys Reliance Industries for you, you see "10 shares of Reliance Industries" — not just units of a fund.
💡 Key Advantage: This direct ownership enables Tax Loss Harvesting — you can strategically book losses before March 31st to offset realized gains, potentially reducing your tax liability significantly. Mutual funds cannot offer this.
Which PMS Model Suits You?
🤲 Discretionary PMS
The Fund Manager independently manages the portfolio and takes all buy/sell decisions. Best for: investors who want a "hands-off" approach and fully trust the manager's process.
🤝 Non-Discretionary PMS
The Manager suggests investment ideas, but execution requires your approval. Best for: investors who want control and active involvement in decisions without doing the research themselves.
💡 Advisory PMS
The Manager provides pure guidance; you execute the trades yourself. Best for: sophisticated investors who want institutional research but prefer complete execution control.
Discover Your Investment DNA
A 2-minute institutional-grade assessment. Successful investing is 20% strategy and 80% temperament. This tool analyses your Financial Capacity and Emotional Tolerance.
Your Personal Risk Profile
8 questions. Honest answers. Personalised strategy recommendation tailored to PMS selection.
Decode Your Investment Anxiety
Answer yes or no — your results reveal your psychological relationship with market volatility and help us prescribe the right strategy.
Do you often regret buying a stock the moment you see a red tick on screen?
Do you check your portfolio or market indices more than twice a day?
Do you feel "missing out" when friends talk about stocks you don't own?
Would a 10% market correction over a weekend affect your mood on Sunday night?
Do you feel the urge to sell and "book profits" as soon as a stock rises 5-10%?
When an investment underperforms, do you blame the market rather than review fundamentals?
PMS Taxation: What You Keep Matters
📌 Dividend Tax: Dividends received in your PMS account are added to total income and taxed per your Income Tax Slab. TDS of 10% applies if dividends exceed ₹5,000/year. | 💡 NRI Note: TDS on LTCG for NRIs may be deducted at 20% by some payers, creating a refund opportunity via ITR filing.
Free PMS Research Downloads
PMS Selection Guide 2026
How to evaluate PMS managers, what questions to ask, red flags to watch, and our 100-Point Scorecard framework explained in detail.
Investment Psychology Workbook
55-page workbook: 7 deadly investor biases, emotional discipline checklists, wealth mindset exercises, market crash survival guide.
PMS Taxation Deep Dive
FY 2025-26 complete tax guide — LTCG vs STCG strategy, tax loss harvesting guide, NRI-specific considerations.
Frequently Asked Questions
Ready to Start Your PMS Journey?
Schedule a free 30-minute discovery call with the founders — Niraj or Pooja — not a sales executive.