Portfolio Management Services (PMS) are SEBI-regulated investment solutions that create
tailored portfolios managed by professional fund managers.
Unlike mutual funds, where money from many investors is pooled together, PMS builds a portfolio specifically for you.
Traditionally, PMS has been designed for high-net-worth investors (HNIs) and requires a
minimum investment of ₹50 lakh.
What it is
We don’t believe in cookie-cutter portfolios.
We begin with you — your goals, risk comfort, time horizon, income, and family priorities —
and then design an investment strategy that fits your life.
Why it matters
A portfolio built around your life has a much higher chance of success than one-size-fits-all
products.
What it is
For families who may not be ready to commit ₹50 lakh into PMS, we offer Smallcase-style
portfolios of mutual funds, ETFs, or stocks.
These are professionally curated baskets that bring you the same discipline and transparency of PMS — but at a much lower entry point.
Why it matters
Your financial needs evolve as life moves forward. We help you plan, invest, and
withdraw at the right time — so your money supports you at every stage.
This approach bridges the gap between DIY investing and high-ticket PMS.
You get structured, goal-driven portfolios without needing ultra-high investment amounts.
Before meeting Nitin, my finances felt scattered — I had some savings here and there, a few random investments. Nitin patiently understood my goals, reviewed my existing portfolio, and created a structured financial plan that actually made sense. Today, I know exactly where I stand, what I’m investing for, and how each step moves me closer to my goals. More than returns, it’s the peace of mind that my money is now working for me with purpose and discipline.
Nitin didn’t jump straight into recommending mutual funds. He first took the time to understand my existing portfolio in detail, explained what was working and what needed realignment, and then suggested the right mix of funds to create a complete, balanced portfolio. He also guided me on how to plan across other investment areas, ensuring that every rupee was invested with purpose and direction.
What I appreciated most about working with Nitin is that he focused on me, not just my returns. I was confused about how to organize and track my investments, but he took the time to understand my goals, family priorities, and comfort with risk. His explanations were clear, his approach structured, and his recommendations purposeful. For the first time, I felt guided — not sold to. It truly feels like a financial plan built around my life, not the markets.
What stood out to me about Nitin is how he looks at the whole picture. He didn’t just suggest new investments — he first studied my existing ones, explained what to keep and what to change, and then aligned everything with my goals. Every year, he reviews and rebalances my portfolio so that I stay on track without worry. I finally feel like I have a long-term financial plan, not just a set of products.
With 20+ years of corporate experience and 4 years as a Chartered Wealth Manager, I've learned that true financial freedom comes from intentional planning and disciplined execution. As a certified PMS and Mutual Fund Distributor, I help clients build wealth with clarity and confidence.
SEBI mandates a minimum investment of ₹50 lakh for Portfolio Management Services in India.
This makes PMS suitable for HNI investors and professionals with a significant accumulated corpus who want a professionally managed, individually held portfolio rather than a pooled mutual fund structure.
In a mutual fund, your money is pooled with thousands of other investors and managed collectively.
In PMS, a portfolio is built exclusively for you — you own the individual stocks or securities directly in your own demat account, and the strategy is tailored to your specific goals and risk profile.
This gives you complete transparency, direct ownership, and a level of customisation that mutual funds cannot offer.
A Smallcase is a curated basket of stocks or ETFs built around a specific investment theme, strategy, or goal — such as dividend yield, flexi cap growth, or consumption trends.
Think of it as PMS-style discipline and transparency made accessible at a much lower investment threshold.
While PMS requires a minimum of ₹50 lakh, Smallcases can be started with a significantly smaller amount — making professional portfolio thinking available to a wider range of investors.
PMS is appropriate for investors with ₹50 lakh or more in investable surplus who want a fully customised, professionally managed portfolio with a dedicated strategy.
Smallcase is better suited for investors who want equity exposure with structure and transparency — but are not yet at the ₹50 lakh threshold, or prefer to retain direct control while following a curated strategy.
Both approaches are more structured and goal-aligned than simply picking random mutual funds or stocks independently.
Yes — and for many investors, this is actually the right approach.
A Smallcase can serve as the structured equity layer of your core portfolio during your wealth accumulation years.
As your investable corpus grows to ₹50 lakh and beyond, PMS can be layered in as a higher-conviction, actively managed component.
The two instruments complement rather than compete with each other within a well-designed wealth plan.
PMS fees typically include a fixed management fee (usually 1–2.5% per annum) or a profit-sharing arrangement where the manager charges a percentage of returns above a hurdle rate.
Some PMS structures combine both.
Smallcase platforms charge a subscription or transaction fee depending on the strategy and provider.
As a distributor, I receive a commission from the PMS provider — this is disclosed transparently, and no separate advisory fee is charged to you.
Yes.
Portfolio Management Services in India are regulated by SEBI under the SEBI (Portfolio Managers) Regulations, 2020.
Every PMS provider must be registered with SEBI, and distributors like myself must be registered with APMI (Association of Portfolio Managers in India).
My APMI registration number is APRN07002. This regulatory framework ensures your investments are managed with defined accountability and disclosure standards.
The right strategy depends on three things — your investment horizon, your risk tolerance, and the specific financial goal you are trying to fund.
A retirement corpus with a 15-year horizon calls for a different strategy than a 5-year education fund.
Before recommending any PMS strategy or Smallcase, I conduct a detailed goal mapping and risk profiling exercise so that every rupee is placed with purpose.
[Book a free 1-hour consultation to discuss your specific situation →]
The website persfinanceplanning.in is owned by Mr. Nitin Wali, Pune based Chartered Wealth Manager [CWM] , a registered AMFI Mutual Fund Distributor ARN–244802 and a registered Distributor APRN07002 for Portfolio Management Services (PMS).
As a distributor, the role is limited to facilitating access to mutual funds and PMS providers registered with SEBI and recommending suitable product options based on the investor’s profile. This platform does not provide investment advisory services under SEBI (Investment Advisers) Regulations, nor does it act as a Portfolio Manager. All information, tools, and calculations shared here are for educational purposes only. No fees are charged to investors for using this website. The distributor may receive commissions from AMCs or PMS providers for distribution-related activities.
Mutual fund and PMS investments are subject to market risks. Past performance does not guarantee future results. No assurance is given regarding investment returns or the achievement of financial objectives.
