A portfolio that is entirely yours.
Portfolio Management Services offers a more personalised approach to portfolio management. Unlike mutual funds, where investors hold units of a pooled portfolio, Portfolio Management Services allows for greater visibility and customisation, with securities held directly in your demat account.
At InCred Wealth, we evaluate PMS managers across strategies and mandates, helping identify solutions that align with your investment objectives and risk profile, with ongoing monitoring of the portfolio and manager.
Two types of PMS
Discretionary
The portfolio manager has full authority to make investment decisions on your behalf, within agreed parameters.
Non-Discretionary
The manager recommends; you decide. Every transaction requires your explicit approval.
Beyond the pooled product
For investors at a certain scale, PMS offers capabilities that mutual funds structurally cannot.
Mutual Funds
Pooled. Standardised. Constrained.
No direct ownership of underlying securities
Portfolio decisions are not yours to influence
Holdings disclosed only twice a month
Limited ability to customise around your tax situation
PMS with InCred Wealth
Direct. Transparent. Bespoke.
Full real-time visibility into every position
Strategies tailored to your risk profile and goals
Complete transaction-level reporting
Tax-aware portfolio construction where applicable
What we Offer
Strategies across mandates
We provide access to PMS strategies across the full spectrum, matched to your investment mandate and risk appetite.
Long-only Equity
High-conviction, research-driven equity portfolios focused on long-term capital appreciation.
Multi-Cap
Flexible mandates that allocate across large, mid, and small-cap opportunities as the cycle dictates.
Healthcare
Specialist sector strategy focused on India's growing pharmaceuticals and healthcare ecosystem.
Small and Mid-Cap
Targeting emerging businesses at inflection points before they enter the institutional radar.
Absolute Return
Return-seeking strategies designed to perform across market conditions, not just bull runs.
Structured Debt
Fixed-income and structured credit strategies for predictable, risk-calibrated returns.
Quantitative
Data-driven, rules-based portfolio construction that removes emotion from allocation decisions.
Unlisted Equities
Access to pre-IPO and unlisted opportunities in high-growth private businesses.
We do the due diligence so you don't have to.
Not every PMS manager with strong historical returns deserves a place in your portfolio. We evaluate managers on process, not just performance, because process is what holds in difficult markets.
Our team maintains ongoing coverage of managers across strategies and replaces underperformers without sentiment.
Strategy and mandate assessment
We start by understanding your goals, risk appetite, and time horizon, then identify which strategy types are genuinely suitable.
Manager due diligence
We evaluate investment philosophy, team stability, risk management framework, drawdown behaviour, and attribution across cycles, not just returns.
Portfolio construction
Where relevant, we blend strategies across mandates to build a complementary PMS portfolio rather than a single concentrated bet.
Ongoing monitoring and reporting
Regular performance reviews, consolidated MIS reporting, and proactive communication when something needs your attention.
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Frequently Asked Questions
Portfolio Management Services are intended for investors seeking a more personalised investment approach and are typically suitable for HNIs and UHNIs. Regulations prescribe a minimum investment amount for PMS, making it a solution designed for larger portfolios.
Yes. Many investors allocate capital across multiple PMS strategies to achieve diversification across investment styles, sectors, or asset classes. Depending on your objectives, we can help construct a complementary allocation rather than relying on a single strategy.
Yes. Since your investments are held in your own demat account, you have complete visibility into your holdings and transactions. You can also receive consolidated reporting and periodic reviews through InCred Wealth.
We evaluate managers beyond historical returns. Our due diligence considers investment philosophy, portfolio construction, risk management, team stability, consistency across market cycles, and operational robustness before recommending a strategy to clients.
Yes. You can exit or transition between PMS strategies, subject to the terms of the respective portfolio manager. Before making any changes, we assess whether a switch aligns with your investment objectives, tax considerations, and overall portfolio allocation.
