The HNI and UHNI communities in Bengaluru are establishing new standards for the distribution of wealth. In Bengaluru, high-net-worth and ultra-high-net-worth individuals allocate between 35% to 40% of their investable surplus to alternative investments.

The city is not just a tech capital; it is a growing hub for wealth creators, professionals, and investors looking for personalized wealth solutions.

Yet, despite rising financial assets, most investors still rely on generic products like mutual funds. These rarely offer the flexibility, control, and strategy that Portfolio Management Services (PMS) can bring, especially for HNIs and NRIs with complex financial goals.

• Are you an investor in Bangalore, unsure whether PMS is the right fit for your financial goals?

• Do you find your current mutual fund portfolio lacks a personal strategy or active risk management?

• Wondering how to choose a PMS provider in Bangalore who actually understands your needs?

If yes, this guide will explain what portfolio management services offer, who needs them, and how to make the right choice in Bangalore.

Key Takeaways:

• PMS is ideal for HNIs, NRIs, and affluent investors with ₹50 lakhs+ to invest.

• Bangalore’s PMS space includes SEBI-registered, discretionary, and non-discretionary options.

• A good PMS strategy offers active portfolio reviews, personalized asset allocation, and tax efficiency.

• Choosing the right PMS involves checking SEBI registration, past performance, investment style, and advisory transparency.

• Ckredence Wealth offers custom-built PMS strategies across sectors, asset classes, and geographies for Bangalore-based investors.

What Are Portfolio Management Services?

Portfolio Management Services (PMS) are custom investment solutions offered by SEBI-registered portfolio managers. These services are different from mutual funds or traditional investment plans. PMS is personalized, goal-based, and performance-driven.

In PMS, a client’s portfolio is managed separately. Unlike pooled investment instruments, you have control over your stock holdings, taxation, and strategy. Minimum investment for PMS in India is ₹50 lakhs (SEBI rule).

Types of PMS Offered

• Discretionary PMS: The Portfolio manager has full control.

• Non-discretionary PMS: The Manager gives advice; you make the final call.

• Advisory PMS: You receive research-based suggestions; no active management.

In Bangalore, affluent investors often prefer discretionary PMS due to time constraints and the need for a professional strategy.

Why Are Portfolio Management Services Relevant for Bangalore-Based Investors?

Bangalore is home to tech founders, business owners, NRIs, and senior professionals. These investors need something more than just market-average returns or DIY investing.

A well-designed PMS can help them:

• Avoid over-diversification or underperformance

• Plan for long-term goals like succession or wealth transfer

• Maximize returns through tax efficiency and timing

With real estate and private equity not as liquid or agile, PMS provides an equity-focused, tax-aware, and actively managed alternative.

Who Should Invest in Portfolio Management Services in Bangalore?

PMS is not for everyone. It suits investors with specific profiles.

HNIs Looking for Tax-Adjusted Alpha

HNIs often hit a performance plateau with mutual funds. PMS can generate risk-adjusted alpha with active rebalancing, tactical shifts, and better tax planning.

NRIs Wanting India-Focused Wealth Strategy

Many NRIs from Bangalore want to invest in Indian equity. PMS provides:

• SEBI-registered advisory compliance

• NRI KYC onboarding support

• India-focused investment opportunities

• Transparent reporting with international access

Professionals with Investable Surplus

CEOs, CXOs, and IT leaders in Bangalore often have RSUs, ESOPs, and bonuses. A PMS (portfolio management services) structure helps them align surplus income with long-term wealth building.

PMS (portfolio management services) is most effective when used to complement real estate, mutual funds, and bonds, not replace them entirely.

Benefits of Portfolio Management Services in Bangalore

Unlike pooled vehicles, PMS builds a personalized strategy based on your goals, risk profile, and asset preferences.

Personalisation & Custom Strategy

Every portfolio is different. Sector bets, time horizon, and liquidity needs are all considered while building your PMS.

• Custom equity concentration

• Goal-based allocations (e.g., retirement, education, estate)

• Active vs passive style as per client needs

Better Risk Control and Monitoring

A good PMS uses tools like volatility mapping, downside protection triggers, and dynamic sector shifts.

• Stop-loss management

• Quarterly reviews

• Exit timing aligned with cycles

Tax Efficiency and Reporting

Since PMS is directly in your name, tax loss harvesting and capital gains planning can be customized.

• Separate demat accounts

• Real-time tax visibility

• Dividend strategies based on the slab

These benefits are not available in mutual funds or AIFs.

How to Choose the Best Portfolio Management Services in Bangalore?

With multiple PMS providers in Bangalore, choosing the right one requires clarity.

Evaluate SEBI Registration and Compliance

Always choose a SEBI-registered PMS provider. Confirm registration number, track record, and audited performance. Ask for regulatory compliance documentation.

Check Track Record and Portfolio Style

Different PMSs have different strategies: large-cap growth, value investing, mid-cap focus, etc. Review:

• 3 to 5-year CAGR returns

• Drawdown patterns

• Sector rotation or concentration

• Ask how they performed during market corrections, not just bull runs.

Understand Fees and Structure

• PMS fee models can include:

• Fixed fee (1%-2.5% p.a.)

• Performance-linked fee (profit-sharing above hurdle rate)

• Hybrid models

Clarity on charges is key to avoiding hidden costs.

Access to Portfolio Manager and Advisory Desk

Does the manager directly interact with clients? Are there regular reviews and discussions? Good PMS should offer:

• Quarterly strategy reviews

• Access to the investment desk

• Clear communication on portfolio shifts

Don’t go for large institutions where you become “just another client.”

Portfolio Management Services Companies in Bangalore

Bangalore has several SEBI-registered PMS providers offering solutions for HNIs, NRIs, and professionals. Here’s a quick look at the most trusted names:

1. Ckredence Wealth

Ckredence Wealth offers customised PMS strategies for HNIs and NRIs. Their PMS strategies are research-based, focus on active portfolio management, and offer quarterly reviews.

• Features: Customised portfolios, multi-asset allocation, tax optimisation, and real-time performance reporting.

• Ideal For: Investors looking for transparent, SEBI-compliant, and personalised wealth strategies in Bangalore.

• Additional Benefit: A dedicated PMS desk for Bangalore, as well as support for NRI investors worldwide.

2. Anand Rathi PMS

An ordinary name in India's wealth management space, Anand Rathi has discretionary and non-discretionary PMS plans with large-cap and mid-cap strategies and a long track record.

• Key Features: Portfolio transparency, regular updates, and fundamental-based strategies.

• Ideal For: Conservative investors seeking stability from established brands.

3. Motilal Oswal PMS

In India, Motilal Oswal is at the forefront of equity-focused PMS strategies. Their proposition is twofold: high-conviction, concentrated portfolios with solid research support.

• Key Features: Compounding over the long term, thematic investment strategies, and regular client reporting.

• Best suited for: HNIs who want aggressive equity allocation from a trusted name. 

4. IIFL Wealth PMS

IIFL provides goal-oriented PMS solutions, with a mix of equity, debt, and structured investments. Primarily a provider for ultra-HNIs, IIFL's advisory service acts as a hybrid product, offering access to alternative asset investments associated with traditional PMS services.

• Key Features: Multi-asset diversification, exclusive product access, and personalised advisory services.

• Best Suited For: Clients seeking access to alternative asset products and premium wealth services.

5. Dezerv PMS

Dezerv focuses on technology-led PMS solutions targeting urban investors who want simple digital onboarding and professionally managed portfolios. They have focused on algorithms generating unique, forward-looking strategies based on the latest research and trends and supported by high transparency.

• Key Features: Digital onboarding, clear dashboards, and minimal operational work.

• Ideal Customers: Tech-savvy professionals and new-age investors in Bengaluru.

6. NJ Wealth PMS

NJ PMS offers PMS strategies related to equity and debt-oriented products. These strategies are focused on building wealth in the long term through diversification.

• Key Features: Broad selection of portfolios, periodic updates, and ease of access to clients' servicing.

• Who this is for: Investors who prefer a standardised and diversified strategy.

Why Should You Choose Ckredence Wealth?

PMS should not be an upsell; it should be a personal investment strategy built around your wealth goals.

At Ckredence Wealth, we work with HNIs and NRIs in Bangalore who need a professional, clear, and responsive PMS structure, not a mass-market product.

Solutions Designed for Bangalore’s New-Age Investors

• Bespoke Equity Portfolios: We don’t replicate models. We build them after understanding your risk behaviour and market comfort.

• Multi-Asset Flexibility: Our PMS spans equity, debt, REITs, and select private deals all aligned with your goals.

• Active Risk Management: From beta exposure to downside triggers, your portfolio is tracked, reviewed, and adjusted.

Advisory That Goes Beyond Returns

• SEBI-Registered and Audit-Proven: No false promises, only data-backed advice with regulatory trust.

• Dedicated PMS Desk for Bangalore Clients: You get a portfolio manager, not just a relationship executive.

• Global NRI Access: Whether you're in Dubai, Singapore, or the US we provide KYC support, reporting tools, and NRI-specific advisory.

• PMS Built for Your Milestones: Whether it’s buying a second home, legacy planning, or charitable giving, we align your money with your intent.

• Cities We Actively Serve: We have active PMS desks in Pune, Surat, and Baroda and a strong investor base across Bangalore and Whitefield, Indiranagar, and Koramangala.

Conclusion

If you're in Bangalore and have ₹50 lakhs or more to invest, Portfolio Management Services (PMS) can offer more than mutual funds. You get direct ownership, better tax control, and strategies built around your goals. Unlike one-size-fits-all options, PMS is made for your needs, whether you're an HNI, NRI, or working professional. 

With expert support, transparent reporting, and active portfolio reviews, PMS helps grow your wealth in a focused and informed way. If you're looking for a trusted partner to guide this journey, Ckredence Wealth offers custom-built PMS backed by research, experience, and care.

FAQs

1. What is the minimum investment required for portfolio management services in Bangalore?

The minimum investment for PMS in Bangalore is ₹50 lakhs, as mandated by SEBI.

2. How do I choose the right PMS provider in Bangalore?

Choose SEBI-registered PMS providers with proven returns, clear reporting, and personalized strategies.

3. Can NRIs invest in PMS services in Bangalore?

Yes, NRIs can invest in PMS in Bangalore with KYC, NRI desk support, and RBI-compliant structures.

4. What are the benefits of PMS over mutual funds?

PMS offers personalized portfolios, better tax control, direct stock holding, and real-time performance access.