Money n Wealth Team January 15, 2026 8 min read
    A deep dive into how PMS allows HNI investors to own concentrated portfolios tailored for superior risk-adjusted returns.

    Beyond Mutual Funds

    While Mutual Funds are excellent for retail investors, HNI investors often seek more personalization and concentrated bets. This is where Portfolio Management Services (PMS) come in.

    What is PMS?

    PMS is a professional investment service where qualified portfolio managers create and manage an investment portfolio of stocks, debt, and other securities on your behalf. Unlike Mutual Funds where you hold units, in PMS you own the underlying stocks in your own Demat account.

    Key Advantages

    • Concentrated Portfolios: PMS funds often hold 15-20 high-conviction stocks.
    • Transparency: You know exactly what you own and when it was bought/sold.
    • Personalization: Strategies can be tailored to your values.

    Minimum Investment

    As per SEBI regulations, the minimum ticket size for PMS in India is ₹50 Lakhs.

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    Regulatory Information: Money n Wealth (Predics Fintech Services Pvt Ltd) is regulated under SEBI's framework as an AMFI-registered Mutual Fund Distributor (ARN-121995) and an APMI-registered Portfolio Manager Distributor (APRN-07444). Insurance-related products and services referenced on this site are offered under IRDAI-registered insurance distribution arrangements. Mutual fund investments are subject to market risks; please read all scheme-related documents carefully. This article is for general informational and educational purposes only, does not constitute personalized investment, tax, legal or insurance advice, and should not be the sole basis for any financial decision — please consult your advisor and review official product documents before investing or purchasing any policy.

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