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Mutual Fund vs PMS — Which is Right for You in 2025? | Ruppeecoin

Understand the difference between mutual funds and PMS, their pros and cons, and how to choose based on your investment goals.

PERSONAL FINANCE

8/23/20251 min read

a stack of money sitting on top of a table
a stack of money sitting on top of a table

Mutual Funds

  • Pooled money from multiple investors.

  • Managed according to a set scheme objective.

  • Lower minimum investment (can start with ₹500 in SIP).

  • Diversified, regulated by SEBI.

Portfolio Management Services (PMS)

  • Customised portfolio for one investor.

  • Higher minimum investment (₹50 lakh).

  • Direct ownership of securities.

  • Flexible strategy tailored to you.

Key Differences

FeatureMutual FundsPMSMinimum InvestmentLow (₹500)High (₹50 lakh)CustomisationNoYesOwnershipUnits of fundDirect stocks/bondsFeesLowHigherTransparencyPortfolio disclosed monthlyPortfolio visible anytime

Which Should You Choose?

  • If you’re a retail investor → Mutual Funds for diversification & affordability.

  • If you’re an HNI with ₹50 lakh+ → PMS for personalised strategies.

Next Steps:

  • Compare returns with our Investment Calculator.

  • Learn about our PMS Services for HNIs.

  • Browse Mutual Fund Insights for scheme analysis.

Disclaimer: Both mutual funds and PMS carry market risks. Choose based on your financial goals and risk appetite.

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© 2025 RuppeeCoin. All Rights Reserved. Ruppeecoin is an authorized sub-broker (Code: PB11920) of Mirae Asset Sharekhan Ltd (SEBI Reg. No: INZ000171337). Registered with NSE(AP2069574611), BSE(AP01074801160643), and MCX(165990), ARN-325627 for Mutual Fund Distribution, APRN Code : APRN06782 for PMS Distribution.

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Mirae Asset Sharekhan’s registration details:

Sharekhan Ltd - SEBI Regn. No.: BSE / NSE / MCX: INZ000171337 | BSE 748 – CASH/FAO/CD | NSE 10733 – CASH/FAO/CD | MCX 56125 – Commodities | Depository services through: NSDL / CDSL - IN-DP-365-2018

PMS: INP000005786; Sharekhan Ltd. (AMFI-registered Mutual Fund Distributor) Mutual Fund: ARN 20669 (date of initial registration: 03/07/2004, and valid till 02/07/2026); Research Analyst: INH000006183; IRDAI Registered Corporate Agent (Composite) License No. CA0950, valid till June 13, 2027.

Email ID for redressal of investor grievance: ruppeecoin.owner@bp.sharekhan.com, Compliance Officer: Mr. Puneet Saxena; Email ID: ruppeecoin@bp.sharekhan.com; Tel: +919915551245. For any complaints email at contact@ruppeecoin.com.

Message From Regulator: No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorise your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account.

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Disclaimer: Investment in securities market are subject to market risks, read all the related documents carefully before investing.

Past performance is not indicative of future results.

We act as a mutual fund distributor and may earn commissions from AMCs. Grievances may be directed to ruppeecoin.owner@bp.sharekhan.com or SEBI at www.scores.gov.in.

Brokerage will not exceed SEBI prescribed limit. Please refer the Risk Disclosure Document issued by SEBI and go through the Rights and Obligations and Do's and Dont's issued by Stock Exchanges and Depositories before trading on the Stock Exchanges.

For commodities derivatives please note that Commodities Derivatives are highly leveraged instruments. PMS is not offered in Commodity Derivative Segment by Mirae Asset Sharekhan.

Before investing in the asset class consider your investment objectives, level of experience and risk appetite carefully. The securities are quoted as an example and not as a recommendation.

Investments in securities market are subject to market risks. Please ensure you understand the risks involved before investing.

Brokerage will not exceed SEBI prescribed limits.

The final execution of trades is through Mirae Asset Sharekhan.

Past performance is not indicative of future results. Returns mentioned are illustrative and subject to market conditions.

Portfolio Management Services (PMS) / Alternative Investment Funds (AIF) are high-risk investment products, suitable only for investors with high risk appetite. Kindly read the Disclosure Document and Risk Profile Suitability before investing.

We are not an Investment Adviser. We act as a distributor of mutual funds and receive commission from AMCs. We are not charging any fees directly from clients for mutual fund distribution services.

We comply with KYC (Know Your Customer) and AML (Anti-Money Laundering) guidelines as prescribed by SEBI, RBI, and FIU-India. Investments will be allowed only after completion of KYC verification.

Opening of account will not guarantee allotment of shares in IPO. (Source – DRHP) Investors are requested to do their own due diligence before investing in any IPO.

Mutual funds disclaimer: Mutual Fund investment are subject to market risk. Read all the scheme related documents carefully before investing.

Quantities, amounts, figures, graphs and rates shown / displayed are exemplary and not recommendatory or actual.

For scheme-related information, please refer to the Scheme Information Document available on the relevant AMC's website for detailed Risk Factors, assets allocation, investment strategy, etc.

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