1. What is PMS?

PMS is your fast lane to high-conviction, research-driven investing in public markets. It’s for investors who want active professional management. Think of it as a power-packed, concentrated portfolio tailored for investors who like to know what they own and why they own it.

2. What’s special about Infinyte’s PMS offering?

We partner with PMS firms that provide:

1. High-Conviction Bets: 15-25 stocks. No fluffs
2. Sharp Diligence: Management, moat, momentum, we check it all.
3. Active Monitoring: We don’t “set and forget.” We hustle every quarter.
4. Transparent Reporting: See what you own and why, anytime on the app.
5. Thematic + Tactical: Ride long-term themes but pivot when markets call for it.

3. Who can invest in PMS?

You should start considering PMS when:

• You have a minimum of ₹50 lakh to invest, though starting at ₹1 crore gives you more flexibility and customization.
• Your overall net worth is around ₹2.5 crore or higher, this ensures that PMS is a thoughtful allocation, not your only allocation.
• You’ve already got mutual funds, fixed deposits, and real estate allocations in place, and now you want precision-focused growth.
• You’re seeking portfolio managers who aren’t just running large, index-hugging strategies but are actually making high-conviction, research-backed calls.

PMS is not a starting point; it’s a step up.

4. What is the minimum investment amount?

The standard minimum investment for PMS is ₹50 lakh as mandated by SEBI.

However, accredited investors can participate with lower minimums, starting at ₹10 lakh or ₹25 lakh depending on the PMS structure.

5. How does PMS investing process work?

Here is a step by step guide on how the portfolio advisory services of a PMS work:

• Understanding your Investor Profile: The process begins with a detailed discussion to define the investor’s profile, including financial goals, risk appetite, investment horizon, preferences, and any constraints. This step ensures the portfolio strategy aligns with the investor’s unique needs.
• Portfolio Construction and Execution: The portfolio manager builds a diversified portfolio within strategy’s asset class. They execute the portfolio plan by buying and selling securities according to the chosen strategy.
• Ongoing Monitoring and Rebalancing: The portfolio is continuously monitored to assess performance, risk, and alignment with the investor’s objectives. The manager rebalances the portfolio periodically to maintain the intended asset allocation and respond to market changes or investor feedback.
• Reporting and Review: Investors receive regular updates and detailed reports on portfolio performance, holdings, and any changes made. The portfolio plan is reviewed and revised as needed to reflect evolving market conditions or changes in the investor’s goals.

6. How are PMS partners selected?

We don’t just onboard anyone. We work with PMS partners who have proven their mettle over market cycles and collectively manage over ₹25K crore in AUM. Some of our partners have been in the game since as far back as 2002, navigating bull runs, bear markets, and everything in between.

Here’s our selection checklist:

• Strategies must be focused, differentiated, and deeply aligned with UHNI investing principles.
• Deliver net CAGR of 20%+ with controlled drawdowns and robust risk-adjusted returns.
• Managed by seasoned professionals with decades of skin in the game and a reputation for high-touch, transparent communication.
• Brand, design, and engagement style must resonate with affluent, boutique-focused clients.
• Adds meaningful diversification and exposure to innovative themes across the Infinyte platform.
• Must have fully transparent fee structures and uncompromising SEBI compliance to protect investor interest.

We don’t chase trends. We back discipline, depth, and durable edges. That’s what sets our PMS partner ecosystem apart.

7. How often is the portfolio rebalanced?

Rebalancing frequency varies by strategy and portfolio manager - it can be weekly, monthly, or quarterly. Rebalancing also happens if a stock’s thesis breaks, valuations become stretched, or superior opportunities arise

8. Can I see my holdings and track performance? - Solved via Partner Dashboard

Absolutely!

• Live portfolio tracking
• Performance attribution
• Detailed reports

9. What if the portfolio underperforms?

Markets don’t move in straight lines. Short-term swings can happen. We’ll keep you updated through quarterly narratives and performance notes so you always know where you stand and why.

10. What kind of fees should I expect?

Three options:

• Flat management fee
• Semi-variable fee (flat management fee + performance linked fee)
• Performance-linked fee (you win, we win)

Your product expert will break down the fee slab for your preferred model during onboarding. No hidden charges, no fine print.

11. Can I exit whenever I want?

Yes. PMS offers flexibility to exit, but remember:

• Stocks might be mid-cycle
• Tax events could trigger on exit
• Some positions may need time to play out

We recommend a 3-5 year view to truly reap the rewards.

12. What are the risks?

• Market Risk: Public equities = volatility
• Concentration Risk: High-conviction = fewer stocks
• Timing Risk: Wrong sector, wrong time = painful

But you’ll always know what’s driving the portfolio, and we manage these risks proactively.

13. Can NRIs invest?

Yes! NRIs with valid NRE/NRO accounts and KYC in place can invest. We’ll help you through the process.

14. Do I need a demat account?

Yes, a demat account is mandatory. PMS portfolios are held directly in your name, not in a pooled structure, so you need a demat account to hold the stocks.

• For Resident Indians:

  A regular demat account is sufficient. We can help you set this up if you don’t already have one.

• For NRIs:

  You’ll need to invest through either a PIS (Portfolio Investment Scheme) account or a Non-PIS route, depending on the PMS provider.

  Some PMS strategies operate exclusively via the Non-PIS route, which simplifies the process and avoids RBI reporting.

  Others may require PIS accounts, which involve additional compliance and bank-level approvals.

  Feature	PIS Route	Non-PIS Route
  RBI Approval	Mandatory	Not required
  Reporting	Daily RBI reporting via bank	No RBI reporting
  Bank Account	PIS-linked NRE/NRO	NRO account
  Investment Type	Direct equity, PMS (RBI-compliant)	PMS via custodial route
  Compliance Load	High	Low
  Onboarding Time	Slower	Faster

Don’t worry, we’ll guide you through the right account type and handle the paperwork based on your residency and the PMS you choose.

15. Can I customize my portfolio?

In our PMS strategies, you’ll typically be investing in a model portfolio. Customization isn’t standard and that’s by design. The model portfolio approach ensures discipline, consistency, and quick execution.

When is customization possible?

If you’re looking for a fully bespoke PMS where allocations, sector exposures, or stock selections are tailored specifically to you that’s available, but usually at a much larger cheque size. Think >₹1 crore, not just the ₹50 lakh minimum.

So here’s the bottom line:

• Standard PMS = Model Portfolio (minimal customization).
• Bespoke PMS = Tailored Portfolio (requires a significantly higher ticket size).

If you’re bringing in a large allocation and want to explore bespoke strategies, we’re happy to sit down and build something just for you. Otherwise, riding with the model portfolio is usually the most efficient, proven way to play.

16. How does this integrate with other Infinyte Club products?

While PMS gives you public market exposure, you can simultaneously build your private market portfolio via Moneyball ,Pre-IPO fund, Venture Debt or cherry-pick short-fuse deals on the platform. The goal: a seamless wealth-building suite.

17. If the market is down, whom should I consult?

We don’t just onboard you and disappear. Our product expert is available for real conversations when markets are shaky. You can call to understand what’s happening, how your portfolio is holding up, and whether any action is required.

We believe true portfolio management shows up in market stress not just when things are smooth.

You get timely access, honest answers, and real strategies to manage the ride.

18. How frequently can I connect with the investment team?

At a minimum, we recommend quarterly portfolio reviews. These sessions are structured, insightful, and built to align you with the team’s thinking.

But we don’t stop there. You can always reach out in between reviews:

• Drop an email or message to clarify doubts.
• Attend our periodic investor briefings and exclusive updates.

The depth of access you get to the team is one of the key differences between a PMS and more mass-market products like mutual funds.

19. How are changes in the portfolio communicated to investors?

We communicate portfolio changes clearly and promptly:

• Before major changes, you’ll know why it’s happening and what the thesis is.
• You’ll receive detailed updates whenever the portfolio is rebalanced, stocks are added, or allocations are adjusted.

20. How should I evaluate whether investing in PMS is right for me?

Here’s how we think about it:

PMS is not for beginners.

If you’re just starting your wealth journey, mutual funds (MFs) are often more appropriate, they’re lower-ticket, diversified, and easier to liquidate.

PMS is a filler and a focus product.

You consider PMS when:

• You’ve built your core wealth base typically through mutual funds, real estate, fixed income, etc.
• You’re ready for high-conviction, actively managed exposure where you want to “own fewer, bet smarter, think deeper.”