Best PMS for NRIs
Access India's top-performing Portfolio Management Services designed specifically for Non-Resident Indians looking to capitalize on India's economic growth story.
Why NRIs Should
Consider PMS
in India
India is one of the fastest-growing major economies globally, making it a prime opportunity for Non-Resident Indians (NRIs) looking to invest. Portfolio Management Services (PMS) provide NRIs with an opportunity to tap into India's growth story with an expertly managed investment strategy.
As an NRI, investing in PMS allows you to gain access to high-return equity strategies, transparency, and complete control over your portfolio. With a personalized investment approach tailored to your specific goals, PMS provides much higher potential than traditional investment options such as mutual funds.
Access to India's top-performing equity strategies with high growth potential.
Significantly better returns compared to mutual funds and passive investments.
Complete visibility with direct stock ownership and regular performance updates.
Tailored investment approach aligned with your specific financial goals and risk appetite.
SEBI-regulated investment vehicle with strong investor protection mechanisms.
Expert guidance on tax efficiency and compliance for international investors.
Why Choose
Bharat Alternates
for Your NRI PMS Investment
At Bharat Alternates, we offer NRIs a seamless platform to invest in India's best-performing PMS options. As a SEBI-registered distributor, we bring expertise, regulatory compliance, and transparency to your investment experience.
What You Get with Bharat Alternates:
Bharat Alternates provides specialized PMS investment services for Non-Resident Indians across the globe. Take advantage of India's high-growth market potential with tax-optimized investment strategies designed specifically for NRIs from these countries, leveraging DTAA benefits and specialized financial planning.
- End-to-end digital onboarding, ensuring a quick and secure start to your investment journey.
- Access to a curated list of top-performing PMS from India's leading asset managers.
- Dedicated relationship managers who understand the specific needs of NRIs.
- Tax-efficient PMS solutions designed for NRE/NRO accounts.
- Complete portfolio access and performance tracking at your fingertips.
- SEBI-regulated investment options with robust compliance and investor protection.
- Exposure to India's high-growth sectors like technology, healthcare, and financial services.
Global Coverage for NRIs:
We serve NRIs worldwide with specialized PMS investment services tailored to your specific location, tax considerations, and regulatory requirements.
Performance Data:
Top PMS for NRIs
These Portfolio Management Services have consistently delivered strong returns for NRI investors, combining robust strategies with expert market insights.
Top Performing PMS Strategies
| Savvy Capital Advisors | 59.00% | High-Conviction Equity |
| Green Lantern Growth Fund | 58.05% | Growth-Oriented |
| Aequitas India Opportunities | 55.74% | Deep Value & Cyclical |
| Negen Capital PMS | 50.07% | Special Situations |
| Quantum Equity | 48.32% | Multi-Cap Growth |
| Stallion Asset Core Fund | 47.15% | Quality Growth |
**Returns are post-fee, pre-tax as on 31/03/2025
Asset Allocation
Allocation Breakdown
PMS vs Nifty Performance
Sector Allocation
PMS vs Mutual Funds for NRIs
Understand the key differences between Portfolio Management Services and Mutual Funds to make informed investment decisions for your financial goals.
Features
PMS for NRIs
Mutual Funds
Tailored to your specific needs
Standard for all investors
Stocks held in your name
Units in a collective pool
Higher entry barrier
Accessible to all
Complete portfolio visibility
Limited disclosures
Concentrated high-conviction approach
Diversified approach
Personalized attention
Standardized support
Our Recommendation
For NRIs with ₹50 lakhs or more to invest, PMS offers significantly greater customization, control, and personalized service. This ensures your portfolio is directly aligned with your financial goals, tax situation, and risk appetite while providing the potential for higher returns.
Ideal NRIs for PMS Investments
Portfolio Management Services (PMS) are designed for those looking to maximize their investments and are ideal for the following types of NRIs:
High Capital Investors
NRIs with ₹50 lakh+ capital to invest.
Professionals & Business Owners
Professionals or business owners seeking an active investment approach.
Second-Generation NRIs
Second-generation NRIs looking to capitalize on India's growth potential.
High-Net-Worth Individuals
HNIs seeking transparency and personalized investment strategies.
If you fall into these categories, PMS is an excellent choice for expanding your wealth.
NRI Taxation Guide
for PMS Investments
Understanding the tax implications of your PMS investments is crucial for NRIs. Here's what you need to know about the taxation aspects when investing in India through PMS.
Tax Implications for NRI PMS Investors
Short-Term Capital Gains
For equities held less than 12 months
Long-Term Capital Gains
For equities held more than 12 months (after ₹1L exemption)
Dividend Income
Taxed according to individual income tax slab
TDS Applicability
As per DTAA with respective countries
United States 🇺🇸
- Favorable LTCG tax rates
- Reduced withholding tax on dividends
- Foreign tax credits
UAE 🇦🇪
- Zero tax in UAE
- Capital gains exemptions
- No tax on repatriation
Singapore 🇸🇬
- Reduced tax on capital gains
- Tax relief on dividend income
- Foreign income exemption
DTAA Benefits
Double Taxation Avoidance Agreements (DTAA) help NRIs avoid paying tax twice on the same income.
- No double taxation on the same income
- Reduced tax rates for certain income types
- Tax credit mechanism for taxes paid abroad
- Special provisions for capital gains
- Protection against discriminatory taxation
Tax Planning Tips
- Invest through NRE accounts for better tax advantages
- Hold investments for >12 months to qualify for LTCG
- Time your redemptions strategically across tax years
- Consider gift tax implications when transferring assets
- Maintain proper documentation for DTAA benefits
Important Note
Tax regulations may change based on budget announcements and policy updates. We recommend consulting with a tax advisor familiar with both Indian tax laws and the tax laws of your country of residence.
Bharat Alternates provides free tax guidance for all NRI clients and can connect you with specialized tax advisors for your specific jurisdiction.
100% Seamless
Onboarding for NRIs
We've simplified the entire process for NRIs investing in PMS through Bharat Alternates. Our digital-first approach ensures you can start investing from anywhere in the world with minimal paperwork.
Initial Consultation
Schedule a video call with our NRI investment specialist to discuss your financial goals, risk tolerance, and investment preferences. We'll explain our PMS strategies and customize an investment plan that aligns with your objectives.
Digital Documentation
Complete all required forms digitally through our secure portal. Our team will guide you through the KYC process, ensuring compliance with Indian regulations while minimizing paperwork. We handle FEMA compliance and verification on your behalf.
Account Setup
We'll help you set up your NRE/NRO accounts with our partner banks if needed. Our team assists in establishing the necessary investment accounts with depositories and custodians, ensuring seamless fund transfers from your international accounts.
Investment Deployment
Once your account is active and funds are transferred, we'll deploy your investments according to the agreed strategy. Our team ensures optimal timing and strategic allocation based on market conditions and your investment goals.
Investment Deployment
Once your account is active and funds are transferred, we'll deploy your investments according to the agreed strategy. Our team ensures optimal timing and strategic allocation based on market conditions and your investment goals.
Ongoing Management & Reporting
Access your portfolio performance through our secure digital dashboard anytime, anywhere. Receive monthly performance reports, quarterly strategic updates, and annual tax statements. Our dedicated relationship manager is available for regular review calls.
Ready to Start Your PMS Investment Journey?
Our NRI specialists are standing by to guide you through every step of the process. Experience the Bharat Alternates difference with our tailored approach to NRI investments.
Frequently Asked Questions
Get answers to common questions about PMS investments for NRIs. If you don't find what you're looking for, our team is always available to assist you.
What is the minimum investment amount for NRIs in PMS?
The minimum investment amount for PMS in India is ₹50 lakhs (approximately $60,000), as mandated by SEBI regulations. This applies to both resident Indians and NRIs. At Bharat Alternates, we offer various investment strategies starting at this minimum threshold, with options to increase investments in increments of ₹10 lakhs.
Can NRIs invest in PMS through NRE/NRO accounts?
Yes, NRIs can invest in PMS through both NRE (Non-Resident External) and NRO (Non-Resident Ordinary) accounts. Investments through NRE accounts offer full repatriability benefits, while NRO accounts have partial repatriation limits. Our team will guide you on the optimal account structure based on your repatriation needs and tax planning.
What documents do NRIs need to invest in PMS?
NRIs typically need the following documents to invest in PMS:
- PAN Card (mandatory)
- KYC documents including address and identity proof (passport, overseas address proof)
- Recent passport-sized photographs
- Bank account details (NRE/NRO)
- FATCA declaration
- PMS agreement and other strategy-specific forms
Bharat Alternates offers a digital documentation process, minimizing paperwork requirements.
How is PMS different from mutual funds for NRIs?
For NRIs, PMS offers several advantages over mutual funds:
- Personalization: Unlike mutual funds, PMS offers customized portfolio strategies tailored to your risk profile and financial goals.
- Direct ownership: In PMS, you directly own the shares in your demat account, whereas mutual funds provide units representing indirect ownership.
- Transparency: PMS provides complete visibility into every transaction and holding in your portfolio.
- Tax efficiency: With PMS, you can implement specific tax-optimization strategies relevant to your country of residence.
- Higher engagement: PMS offers regular portfolio reviews with fund managers, unlike mutual funds where direct access is limited.
How are PMS returns repatriated for NRIs?
The repatriation process for PMS returns depends on the account type used for investment:
- NRE investments: 100% repatriation of principal and gains is allowed without any limits.
- NRO investments: Up to $1 million can be repatriated per financial year, subject to tax clearance and documentation.
Bharat Alternates assists with all documentation for repatriation, including form 15CA/15CB and other required certificates.
What are the fee structures for PMS investments?
PMS fee structures typically include:
- Fixed management fee: Usually ranging from 1% to 2.5% per annum on the assets under management.
- Performance fee: A percentage (typically 10-20%) of profits above a predetermined hurdle rate.
- Entry/exit fees: Some PMS providers may charge upfront or exit fees, though these are becoming less common.
At Bharat Alternates, we offer transparent fee structures with no hidden charges. Our NRI-specific strategies are designed to optimize returns while keeping costs reasonable.
Can NRIs manage their PMS investments remotely?
Yes, NRIs can manage their PMS investments entirely remotely. Bharat Alternates provides:
- A secure digital portal for account access and performance tracking
- Regular digital statements and reports
- Video conferencing for portfolio reviews and consultations
- Digital transaction capabilities for additional investments
- 24/7 support via email and dedicated relationship managers
Our digital-first approach ensures NRIs can effectively monitor and manage their investments without needing to visit India.
Still have questions?
What Our NRI Investors Say
Hear from our global community of NRI investors who have trusted Bharat Alternates to manage their wealth and build their connection to India's growth story.
NRI Tech Executive
"As an NRI for over 15 years, I've always wanted to maintain investment ties with India. Bharat Alternates made it seamless with their digital onboarding and tax-efficient strategies. My portfolio has consistently outperformed my US investments over the last 3 years."
Client since 2020 • Value Growth Strategy
Healthcare Professional
"The personalized approach at Bharat Alternates sets them apart. My portfolio manager understands both Indian markets and UK tax implications for NRIs. Their quarterly video conferences keep me informed despite being thousands of miles away."
Client since 2019 • Consistent Compounders Strategy
Finance Director
"Being in finance myself, I appreciate the transparency and sophisticated strategies Bharat Alternates employs. Their expertise in leveraging DTAA benefits between UAE and India has been particularly valuable. Their small-cap portfolio has delivered excellent returns."
Client since 2021 • Small & Mid Cap Focus Strategy
Ready to Start Your India Investment Journey?
Join our community of successful NRI investors and leverage India's growth potential.
NRI Investment Terms You Should Know
Understanding the vocabulary of NRI investments is crucial for making informed decisions. Here's a glossary of key terms every NRI investor should be familiar with.
NRE Account
Non-Resident External account is a rupee account maintained by NRIs for funds transferred from overseas. All investments, interest, and earnings are fully repatriable with no tax implications in India.
NRO Account
Non-Resident Ordinary account is for managing income earned in India, like rent, pension, or dividends. Limited repatriation is allowed (up to $1 million per financial year) subject to applicable taxes.
DTAA
Double Taxation Avoidance Agreement is a treaty between India and other countries that prevents NRIs from paying tax twice on the same income, both in India and their country of residence.
FEMA
Foreign Exchange Management Act regulates all foreign exchange transactions, including investments by NRIs in India. Compliance with FEMA is mandatory for all NRI investment activities.
TRC
Tax Residency Certificate is a document issued by the tax authority of the NRI's country of residence, proving their tax residency status, which is essential for claiming DTAA benefits.
Repatriation
The process of transferring investment proceeds or income from India to an NRI's overseas account. The rules differ for NRE and NRO accounts, with specific limits and tax implications.
LTCG/STCG
Long-Term and Short-Term Capital Gains refer to profits from investments held for more than 12 months (LTCG, taxed at 12.5% above ₹1.25 lakh) or less than 12 months (STCG, taxed at 20%) respectively.
Form 15CA/CB
Forms required for overseas remittances from India. Form 15CA is a declaration by the remitter about the nature of payment and tax deducted, while Form 15CB is a certificate from a chartered accountant.
Want to Learn More?
Our NRI investment specialists can guide you through these terms and how they apply to your unique financial situation.