All Weather
14.4%5-year return (annualized) vs 11.4% benchmark
Equity + Gold + Global, built for all seasons
SEBI-Registered Portfolio Manager
One Family, Caring for Your Family's Wealth Since 1987
₹800+ crore managed across 4 PMS strategies- Fund manager with 20+ years at India's leading AMCs
- Zero investor complaints since 1987
Trusted Partners
Performance Across Market Cycles
Built to perform across market cycles, not just in a good quarter
We do not chase the highest number in a bull run. We aim for steady returns that beat the benchmark over full cycles. Proof: between September 2024 and June 2026, the BSE 500 fell about 10%. Our flagship All Weather strategy gained 7.5% in the same period
Diversified
19.8%3-year return (annualized)
Spread across ~30 stocks, no over-concentration
Business Cycle
11.7%2-year return (annualized)
Buys sectors as their cycle turns
ICE Growth
₹173 CrInvested by clients within 20 months of launch
India's consumption, exports & investment story
Returns are annualized TWRR, after all fees and expenses, as of June 30, 2026. Past performance does not indicate future returns. Performance data is not verified by SEBI.
Why Families Choose Ckredence
What makes Ckredence different from a typical PMS
Ckredence is a wealth house: one family-run team managing your money with the discipline of a large institution. Here is how that differs from a typical PMS, point by point.
A fund manager trained at India's top AMCs.
Kartik Mehta spent 20+ years at institutions like IDFC AMC and Canara Robeco. That same discipline runs every portfolio here, and you can meet the team behind it.
A Typical PMS
A famous name you never actually reach
At many firms, the star manager is on the brochure while a junior team runs your money. You rarely know who is making decisions on your portfolio.
Why People Come to Us
Who is Ckredence PMS for?
Our clients come to us at different stages, but they arrive with the same thoughts. If you have caught yourself thinking any of these, you are exactly who we built our PMS for.
Book a Free Expert Call“Most of my wealth sits in my own business.”
One bad year for your sector, and income and savings take the hit together.
"I have investments everywhere, but no plan."
FDs, policies, mutual funds, stocks. Collected over 20 years, reviewed never.
"My portfolio grew. But did it beat the market?"
Without a benchmark to check against, a bull market makes everyone feel like an expert.
"Everyone who calls me is selling something."
Bank RMs push products. You want advice that starts with your goals, not their targets.
"I run a business. I can’t watch markets daily."
Your time earns more in your company than in front of a stock screen.
"I’ve just had a big exit. Now what?"
ESOPs sold, a stake sold, property sold. A lump sum sitting idle loses to inflation every month.
"Who will manage all this after me?"
Your family should inherit a plan, not a puzzle.
Our Four Pillar Strategies
Different goals need different portfolios. Pick yours.
All four are managed by the same team under the same rules: quality businesses, no reckless concentration, honest reporting. The difference is what each strategy is built to do for you.
Three asset classes, one portfolio
Indian equities, gold ETFs and global ETFs together. When one falls, the others cushion the blow.
Protection is built in, not bolted on
Gold and global holdings can rise to 20% each when Indian markets look stretched. The mix shifts before trouble, not after.
30 to 35 quality stocks, held for years
For investors with a 5 to 7 year horizon who want growth without wild swings.
No single bet can sink it
Around 30 stocks with capped exposure to each. No one stock or sector decides your outcome.
Large, mid and small caps together
Large caps for stability, mid and small caps for growth, rebalanced as markets change.
The steady compounder
For investors who want clean equity growth with concentration risk kept firmly in check.
Sectors move in seasons. So do we
Banking, auto, infra, pharma: each has its cycle. The portfolio shifts weight as those cycles turn.
Added early, trimmed on maturity
Positions are built when a sector's cycle turns up and reduced as it plays out.
Around 33 stocks, actively managed
For investors comfortable with more movement in exchange for catching sector upturns.
I.C.E. = Investment, Consumption, Exports
The three engines of India's growth, brought into one portfolio.
Spread across all three engines
No undue weight on any stock, sector or theme. If one engine slows, two keep pulling.
The India story, bought directly
For investors who believe in India's next decade and want a portfolio built squarely on it.
Prefer to discuss your portfolio privately?Build Your Investment Strategy
Simple fees. No surprises. Written down before you sign
Fees, Explained
Fixed Fee Plan
One flat annual fee on your portfolio, whatever the market does. Simple to plan for.
Per annum
2.5%
Profit Sharing Plan
A small fixed charge. Our profit share begins only after your returns cross 7% a year. We grow only when your wealth does.
Fixed charge per annum
0.25%
+ 25% share, only on profits above the 7% hurdleYour portfolio returns 12% this year. Our share applies only to the 5% above the hurdle.
If it returns 6%, we take no share at all.
Securities sit in your own demat account with a SEBI-registered custodian. We manage; we never hold.
All fees are stated in your agreement before you sign. Nothing surfaces later.
Portfolio statements and the fund manager's monthly note, in plain language, every month.
Exact fee structure varies by strategy and is confirmed in your agreement. No hidden charges.
Want a second opinion on your current portfolio first?Talk to an Advisor
❝ Institutions never buy on tips.
Neither do we
Experts Behind Your Portfolio
The same mind that managed money at India's top AMCs now manages yours.
Kartik Mehta | Chief Investment Officer & Fund ManagerEX IDFC AMCEx Canara Robeco AMC20+ years ExperienceMBA-Finance
Two decades managing portfolios at India's leading asset managers, IDFC AMC and Canara Robeco among them. Today he leads the investment process behind every Ckredence portfolio: the same research depth, the same risk rules, applied to your money. Behind him stands a family team that has served investors since 1987.
Discuss Your Portfolio with the TeamHow It Works
Starting is simpler than you think.
Your account, your name
Stocks are held in your own demat with an independent custodian. We manage; you own.
No approval calls, no homework
You choose the strategy once. Our team takes the day-to-day decisions within it, so you are never asked to approve every trade.
Nothing happens in the dark
Every holding, every transaction, every fee, visible in your reports each month.
1
Talk to us
A 30-minute call about your goals, your comfort with risk, and what you already own.
2
Get your strategy match
We recommend which of our four strategies fits you, and show you exactly why.
3
Open your account
Demat and paperwork done digitally, with our team guiding every form.
4
We manage, you watch
The team invests and rebalances. You see every holding and every transaction.
5
Start step oneReview together, every quarter
As your life changes, the portfolio changes with it. Same team, year after year.
Everything Under One Roof
Start where you are. Grow with one team.
PMS is what we are known for. But families rarely arrive with just one need. That is why everything lives under one roof: portfolio management for serious wealth, advisory plans to get a real roadmap, mutual funds to begin the journey, and an equity desk for direct market access.
PMS for portfolios of ₹50 lakh and above
Not sure where you fit? That is exactly what the first call is for. Free.
30 minutes. No obligation, and no pressure to choose anything.
Talk To An Expert500+ Family Stories
Hear it from the families we serve.
Real clients, real names. Some of these families have worked with the same Ckredence team for over a decade, through good markets and bad. That is the record we are proudest of.
FAQs
The questions serious PMS investors ask
Still have a question? Ask our team directly on a free call.
Ask Us DirectlyThis is the most common complaint against wealth firms, and the reason we lead with it. You work with the same team after you invest as before: quarterly reviews, monthly reporting, and direct access when you need it. We have served some families for over two decades. Our business runs on staying, not signing.
No, and you can check this yourself: every return we publish is after all fees. You choose a simple fixed fee, or a plan where our profit share starts only above a 7% annual hurdle. Every charge is written into your agreement before you invest.
An honest answer: PMS works differently. The stocks sit in your name, so when the manager sells, it is your taxable event. We manage this by holding for the long term and keeping churn low, and we will walk your CA through the structure before you invest. For long-horizon investors, direct ownership usually outweighs the difference.
No lock-in. You can withdraw your portfolio whenever you choose. Exit charges, if any, reduce with each year and are stated clearly in your agreement, never discovered later.
Thirty to thirty-five researched companies, with caps on how much any one stock or sector can occupy, is concentration with seatbelts. A fund holding 100 stocks is not safer; it is just closer to being an expensive index. We hold enough to matter and few enough to know each one deeply.
For many people, mutual funds are the right answer, and we distribute them too. PMS is for the stage where your wealth deserves individual attention: stocks in your own name, a strategy chosen for your situation, and a named team accountable to you. It is the difference between a good school and a personal tutor.
Structure, not promises. Your stocks sit in your own demat account with an independent SEBI-registered custodian. Ckredence manages the portfolio but never holds your assets; even if our firm shut tomorrow, your securities remain yours, in your name.
₹50 lakh, a floor set by SEBI for all PMS providers in India, not by us. You can add through a PMS SIP of ₹2 lakh afterwards.
Yes. Our advisory plans start at ₹10 lakh, and our mutual fund services have no minimum at all. Many PMS families started smaller with us; you grow into the next stage with the same team, whenever you are ready.
Kartik Mehta, our Chief Investment Officer, with 20+ years at institutions including IDFC AMC and Canara Robeco, leads the investment process for every portfolio. You will know exactly who takes decisions on your money, and you can meet the team before you invest.
We will not promise a number; no honest PMS can. What we can show is our record: published returns, after fees, against the benchmark, across market cycles, including the flat markets where most portfolios struggled. Judge us on that, on a free call.
Monthly statements, a clear portfolio view, and the fund manager's monthly note in plain language. Your custodian's records are independent of ours, so you never rely only on our word.
We serve 500+ PMS families, not five thousand. At that size, every client deals with senior people, not a call centre. Firms where ₹50 lakh makes you invisible do exist; we are structured so it never does.
Your bank's relationship manager rotates every couple of years and carries product targets. Here, the family that started this firm in 1987 still runs it, the same team stays with you, and our profit-share fee means we earn when you earn, not when we sell you something.
Yes. We manage portfolios for NRI families across several countries, with investments through NRE or NRO accounts and the compliance paperwork handled by our team. Ask about our NRI desk on your call.
SEBI-Registered Investment Advisor
We Don't Just Protect Your Wealth. We Grow It, and Stay to Prove It.
Legacy35 YEARS
AUM₹700 Cr+
RegistrationSEBI-REGISTERED
Very nice service and good staff. Always getting quick reply for any query. Ms Riya Always very supportive and helpful.
AZAjay Zariwala