PMS & AIF

PMS & AIF

Customised Strategies for Investors Ready for the Next Level

Most investors start with mutual funds, and for good reason. But as wealth grows, so do the questions. Can my portfolio be more focused? Can it be built around my specific tax position, my goals and my risk limits? Is there a way to access strategies mutual funds cannot offer?

That is where Portfolio Management Services (PMS) and Alternative Investment Funds (AIF) come in. They are powerful, but they are not for everyone. They demand higher capital, a longer horizon and a clear understanding of the risks.

At Velgrow, we do not sell products. We first test whether PMS or AIF actually belongs in your plan, and only then help you choose a SEBI-registered manager whose strategy suits you.

What is PMS ?

Portfolio Management Services (PMS) are SEBI-regulated services where a professional portfolio manager invests directly in stocks and other securities on your behalf. Unlike a mutual fund, where your money is pooled, a PMS holds securities in your own demat account, so you can see every holding and every transaction.

What is an AIF?

An Alternative Investment Fund (AIF) is a privately pooled investment vehicle regulated by SEBI. It collects money from sophisticated investors to invest in strategies that go beyond conventional stocks and bonds, such as private equity, venture capital, structured credit, real estate and hedge-fund-style strategies.

Why Consider PMS & AIF

Your Tangible Benefit:

Portfolios Built Around You

A PMS can be aligned to your goals, risk limits and existing holdings, rather than a one-size-fits-all scheme.

Access to Different Return Sources (AIF)

Private markets, credit and hedge strategies behave differently from listed equity and can diversify a large portfolio.

Experienced, SEBI-Registered Managers

We shortlist managers by track record, process, risk controls and consistency, not by last year's headline return.

Full Transparency (PMS)

You own the securities, you see the trades, and you receive regular performance reporting.

Frequently Asked Questions

A mutual fund collects money from many investors and puts it into one common pool. This pool is then invested in shares, gold, bonds, or other assets — managed by a professional fund manager on your behalf.

What are the 4 types of mutual funds?

  • Equity funds – invest mainly in the stock market
  • Debt funds – invest in safer, fixed-income options
  • Hybrid funds – a mix of both stocks and fixed-income
  • Others (like international funds) – invest in markets outside India

Each type suits a different goal and risk comfort level.

Yes. You can start a SIP with as little as ₹1,000 a month — there’s no need to wait until you have a large amount to invest.

This isn’t really an either-or choice. A mutual fund is where your money is invested, and SIP is simply how you invest — a fixed amount, put in every month, instead of one lump sum.

Past performance doesn’t guarantee future returns, so “best-performing” isn’t the right way to choose a fund. It’s better to pick a fund that fits your specific goal, timeline, and risk appetite — we’re happy to help you find that.

  • Start small, dream big
    You don’t need a big amount to begin. Start with as little as ₹500 a month and build wealth steadily over time.
  • Power of compounding
    Your money doesn’t just grow – it grows on its growth. The longer you stay invested, the bigger this snowball effect becomes.
  • Rupee cost averaging
    Markets go up and down, but SIP takes the guesswork out of timing. You buy more units when prices are low and fewer when prices are high – averaging out your cost automatically.
  • Builds financial discipline
    A fixed amount is invested automatically every month, just like an EMI — except this one builds wealth instead of debt. No need to time the market or remember to invest manually.
  • Flexible and convenient
    You can increase, decrease, pause, or stop your SIP anytime. There’s no lock-in (except for tax-saving ELSS funds), so it adjusts to your life, not the other way around.
  • Achieves your life goals
    Whether it’s your child’s education, a dream home, a wedding, or retirement — a SIP can be aligned to any goal, big or small.
  • No need to be a market expert
    Your money is managed by professional fund managers who track the markets full-time, so you don’t have to.
  • Step 1: Know your goal
    Decide what you’re investing for – retirement, a house, your child’s future, or simply wealth creation. This helps choose the right fund.
  • Step 2: Complete your KYC
    A one-time KYC (Know Your Customer) process is required, using your PAN, Aadhaar, and basic bank details.
  • Step 3: Choose the right fund
    Based on your goal, timeline, and risk appetite, pick a fund that fits — equity, debt, or hybrid.
  • Step 4: Decide your SIP amount and date
    Choose how much you want to invest each month and the date it should be debited from your account.
  • Step 5: Set up auto-debit
    Link your bank account for auto-debit, so your SIP runs on its own every month — no manual effort needed.
  • Step 6: Track and stay invested
    Review your investments periodically, but avoid stopping your SIP during market dips — that’s usually when it works hardest for you.
  • How Velgrow Helps You Get It Right
    Starting a SIP is easy. Choosing the right one for your goals is where expert guidance makes all the difference — and that’s where we come in.
  • We understand your goals first
    Before recommending any fund, we take time to understand your life goals, income, time horizon, and comfort with risk. Your SIP plan is built around your life, not a generic template.
  • We help you pick the right funds
    With thousands of mutual fund schemes available, choosing the right one can be confusing. Our team researches and shortlists funds based on consistent performance, fund manager track record, and how well they match your goal — so you invest with confidence, not guesswork.
  • We simplify the entire process
    From KYC to setting up your SIP to tracking it over time, we handle the paperwork and process so you can focus on your goals, not the admin.
  • We help you stay disciplined
    Markets will have ups and downs. We help you stay invested through volatility, rebalance your portfolio when needed, and avoid emotional, reactive decisions that can hurt long-term returns.
  • We review and adjust as life changes
    Your goals, income, and priorities evolve — a promotion, a new home, a growing family. We periodically review your SIPs and adjust your plan so it always stays aligned with where you are in life.
  • One-on-one expert guidance
    You’re not investing alone. Our team of financial planners is always a call away to answer questions, clarify doubts, and guide your decisions — before you invest and long after.

Is PMS or AIF Right for You?

Let’s evaluate it against your goals, not against a brochure. Book a no-obligation consultation with Velgrow.

Fill in the following details to Download E-Book