What does Percapita do?

We help you navigate investments and financial decisions across Mutual Funds, SIFs, PMS, AIFs, Insurance, and Loans, depending on your needs and eligibility.

Do I need to be a finance expert?

Not at all. You bring the goals and questions. We help simplify the options and explain the important stuff.

How do you choose investments?

We consider your goals, financial situation, risk profile, time horizon, and priorities when discussing relevant investment options.

What can I invest in through Percapita?

Our offerings include Mutual Funds, SIFs, PMS, and AIFs, subject to product eligibility and applicable regulations.

Do you guarantee returns?

No. Investments are subject to market risks, and returns are never guaranteed.

What happens if Percapita shuts down?

Your investments don’t belong to Percapita. For mutual funds, your investments are held through the relevant mutual fund and registrar infrastructure. If Percapita stops operating, your underlying investments remain subject to the terms and processes of the respective fund and applicable regulations.

For Regular Plan mutual funds, we do not charge you a separate platform or advisory fee. As an MFD, we receive distribution commission from the mutual fund scheme as permitted under the applicable regulations. There are no additional charges from us specifically for our guidance, portfolio reviews, or ongoing support under this arrangement. For other products, applicable fees and charges may vary and are communicated separately.

How does Percapita earn?

For Regular Plan mutual funds, we receive distribution commission from the respective mutual fund schemes. We believe you should know how we’re compensated.

What happens in the first meeting?

We talk. No complicated homework. We understand where you are financially, what you’re working towards, and what you’re looking for.

Is Percapita only about investments?

Nope. We also help clients think through areas such as insurance, borrowing, retirement, tax considerations, and broader financial planning.

Can I ask questions before investing?

Absolutely. Understanding the product, risks, costs, and how we’re compensated should come before any investment decision.

What’s the Percapita approach?

Less noise. More context. We keep things simple, explain the relevant options, and help you make informed financial decisions.

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PMS vs Mutual Funds in India: Key Differences Explained | Percapita

3 November 2026 · 1 min read · Percapita

PMS vs Mutual Funds: What Actually Changes?

PMS and mutual funds both involve professional investment management.

But they’re definitely not the same thing.

Let’s break it down without the finance dictionary.

Mutual Funds

With a mutual fund, money from multiple investors is pooled into a scheme and managed according to its stated investment objective.

You own units of the mutual fund scheme.

PMS

Portfolio Management Services offer a more customised portfolio-management structure.

Under PMS, investments are managed according to the agreed strategy and mandate, with securities held in the investor’s name subject to the applicable structure.

What’s different?

Some key differences include:

Structure: Pooled scheme vs individually managed portfolio
Customisation: PMS can provide a more tailored portfolio approach
Minimum investment: PMS has specific regulatory minimums
Costs: Fee structures can differ
Risk: Both involve market risk, but strategies and portfolios can vary significantly

So, which one is better?

That’s the wrong question.

The better question is:

Which structure makes sense for your situation?

Your portfolio size, objectives, risk profile, investment horizon, liquidity needs and experience all matter.

The Percapita takeaway

Don’t choose based on the label.

Understand how the product works, what it costs, what the risks are, and where it fits in your overall portfolio.

Investments are subject to market risks. Read all relevant documents carefully before investing.

Disclaimer : This article is for information only and is not investment advice or a recommendation to buy or sell any security. Investments are subject to market risks; read all scheme-related documents carefully before investing. No investment outcome is guaranteed. Percapita is an AMFI registered mutual fund distributor, ARN 142346.

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