Wealth, managed with a plan

HNIs, families and business owners who want managed strategies, alternatives, income assets and protection coordinated in one relationship — typically alongside an existing PCJ broking and demat account.

No. In PMS your securities sit in your own demat account in your name. In AIFs you hold units of the fund as per its offer document.

Our role and remuneration — brokerage, distribution or referral arrangements — are disclosed to you before you commit to any product.

Yes, subject to product-specific eligibility and documentation. Speak to your RM about PIS and FEMA requirements.

PMS (Portfolio Management Service) is a professionally managed portfolio where a SEBI-registered portfolio manager invests on your behalf under an agreed mandate — and the stocks are held in your own demat account. SEBI sets the minimum investment at ₹50 lakh, making PMS suitable for high-net-worth investors who want focused, personalised management.

An AIF (Alternative Investment Fund) is a SEBI-regulated pooled fund for strategies beyond regular mutual funds — long-short equity, private credit, unlisted opportunities and more. The minimum investment is ₹1 crore, and funds are typically tenure-bound. AIFs suit qualified investors looking to diversify beyond listed markets.

PCJ distributes PMS and AIF products of SEBI-registered managers. Our Wealth Desk helps you shortlist strategies that fit your goals and risk profile, coordinates the paperwork, and reviews performance with you — one relationship and consolidated attention, while the regulated manager runs the portfolio.

No product can guarantee returns, and SEBI registration is never an assurance of performance. PMS and AIF offer flexibility and concentration that mutual funds cannot, which can work both ways. The honest approach is matching the vehicle to your corpus, horizon and risk appetite — which is exactly what a Wealth Desk conversation is for.

A SIP, or Systematic Investment Plan, invests a fixed amount into a mutual fund every month automatically. Because you invest the same amount at different prices, you naturally buy more units when markets are cheap and fewer when they are expensive — this is called rupee-cost averaging. Over the years, SIPs turn small monthly savings into meaningful wealth through compounding.

Yes. SIPs are completely flexible — you can pause, stop, increase or decrease them without penalty. An SIP is not a lock-in (except tax-saving ELSS funds, which have a three-year lock-in per instalment). That said, SIPs work best when you let them run through market ups and downs.

Mutual funds are regulated by SEBI and your units are held in your name with the fund's registrar. 'Safe' depends on the type of fund: liquid and debt funds are steadier, while equity funds move with the market and are meant for long horizons. Mutual fund investments are subject to market risks — always read the scheme documents, and match the fund to your goal and time frame.

NAV is the per-unit price of a mutual fund, declared daily. A ₹10 NAV fund is not cheaper or better than a ₹100 NAV fund — your returns depend only on how much the fund's portfolio grows after you invest, not on the NAV number itself. Choose funds by strategy, quality and track record, not NAV.

PCJ Holdings is an AMFI-registered mutual fund distributor (ARN-63632). We help you choose schemes, set up SIPs and track everything in the PCJ Wealth app, with a Relationship Manager to guide you. The funds themselves are managed by SEBI-regulated asset management companies, and your units are always in your name.

A fund's advertised return assumes one lump-sum investment, but your SIP invests every month, so each instalment has a different journey. XIRR is the correct measure for SIPs — it accounts for the timing of every payment. The PCJ Wealth app shows your XIRR so you always see your true personal return.

Yes. PCJ Holdings is a SEBI-registered stock broker and a depository participant with NSDL, and a member of NSE, BSE and MCX since 2006. Your shares are not held by us — they sit in your own demat account with the depository (NSDL) in your name. Your funds are kept in client bank accounts that are separate from the company's own money, as SEBI rules require. Exchanges also run regular inspections of every member broker.

Your shares always remain in your own demat account at the depository, in your name — a broker cannot spend or lose them. Even in the unlikely event of a broker shutting down, your holdings stay with NSDL and can be moved to any other depository participant. This separation of assets is exactly why SEBI created the depository system.