High-net-worth individuals (HNIs) in India today prefer to have their wealth professionally managed. With the market getting more complex, opportunities shifting rapidly, and the need for smart diversification, PMS (Portfolio Management Services) has become one of the fastest-growing investment solutions. The purpose of this guide is to provide a complete breakdown of Portfolio Management Services India for HNIs covering the definition, SEBI regulations, types of PMS, strategies, performance expectations, fees, risks, and a complete checklist for choosing the right PMS. Whether you’re an HNI or targeting HNI clients, this guide will work as a complete master resource. Sowilo Investment Managers LLP is a SEBI Registered Portfolio Management Company.
Portfolio Management Services is a regulated investment service where SEBI-registered portfolio managers professionally manage an individual’s funds and securities. PMS is specifically designed for high-net-worth individuals who want:
As of 2025, India’s PMS industry has crossed ₹7 lakh crore in AUM. The rapid growth is driven by four key reasons:
Common PMS strategies have major exposure to mid-cap, small-cap, and multi-cap portfolios historically delivering 18–25% CAGR.
Mutual funds operate with a pooled fund model, applying the same strategy to all investors. However, PMS offers a fully curated portfolio based on:
HNIs prefer this customization because it aligns directly with their wealth goals.
Most HNIs prefer starting with ₹1 crore to ₹10 crore.
Each provider has unique investment strategies some focused on small-cap growth, others on low-risk diversified compounding
This combination helps in consistent alpha generation.
Feature | PMS | Mutual Funds |
Minimum Investment | ₹50 lakh | ₹500 |
Ownership | Direct Stocks | Units |
Return Potential | Higher | Moderate |
Risk | Higher | Lower |
Customization | Moderate | Zero |
Fees | Higher | Lower |
HNIs prefer PMS because of performance, transparency, and personalization.
1. SEBI Registration Check: Mandatory compliance check.
2. Track Record: Prefer PMS with multi-cycle performance.
3. Fees & Charges: Understand performance fee structure clearly.
4. Portfolio Strategy: Check alignment with your risk and goals.
5. Risk Management Approach
6. Reporting Transparency: Monthly/quarterly insights should be mandatory.
Historical PMS returns (approx trends):
Returns vary with market cycles but long-term PMS performance is strong.
For today’s HNIs, Portfolio Management Services India for HNIs has become a powerful wealth creation vehicle. If you maintain discipline, accept volatility, and invest long-term, PMS can significantly boost your net worth and overall wealth growth. The 2025 PMS trends clearly show that personalization, concentrated portfolios, and deep research-driven investing are shaping the future of high-return wealth management.
Sowilo Investment Managers LLP
Email: info@sowilo.co.in
Address: 57, Ground Floor, Virwani Industrial Estate, Goregaon East, Mumbai, Maha – 400063
DISCLAIMER: Any information contained in this material represents Sowilo’s views and research analysis and shall not be deemed to
constitute an advice, an offer to sell purchase or as an invitation or solicitation to do for security of any entity and further Sowilo Investment
Managers LLP and its employees/directors shall not be liable for any loss, damage, liability whatsoever for any direct or indirect loss arising
from the use of this information. Sowilo Investment Managers LLP – SEBI Registered Portfolio Manager (INPO00008127)
Sowilo Investment Managers LLP
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