How Do ICICI Portfolio Management Services Work?

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ICICI Portfolio Management Services are designed to work with your investment plan. Let ICICI keep your investments in line with the best financial strategies, whether you’re preparing for retirement or seeking to expand and safeguard your assets.

ICICI Portfolio Management Services (PMS) is the product of two large and influential organisations: ICICI Bank Ltd., PMS. India’s largest private sector bank as well one its most trusted brands in financial services. Additionally, it boasts connections with other top-tier lending institutions around the globe through investments or acquisitions.

ICICI (PMS) is a leading investment company, which manages the trust and aspirations of its investors. They have an objective to identify the most effective investment opportunity for them. As part of this process they use various tools like fundamental analysis and many more.

ICICI [Portfolio Management Services]

PMS is a set of tailored services provided by Portfolio Managers who have years of expertise. They utilize a research staff to help you achieve your investing goals. They manage equity, debt, fixed income, and cash in portfolios to meet the required investment objectives. Investing in PMS gives you the benefit of portfolio diversification and flexibility with your assets. Most high networth individuals take advantage of these services.

You can utilize your current asset management, which the Portfolio Manager will update, or you may start with idle money. Portfolio Management Services require a minimum investment of Rs. 50 lakhs in the form of cash or existing equities, depending on the fund type.

At the end of the financial year, Portfolio Managers provide accounts to calculate the tax liability. When it comes to investing in debt-equity, domestic-international, growth-safety, and other investment tools, they typically concentrate on the SWOT (strengths, weaknesses, opportunities, and threats) analysis.

What are the Features of the ICICI Portfolio Management System?

  • Portfolio management which comes under wealth management is unique to each customer. As a result, the solutions and investments are tailored to their preferences. Before developing a strategy, your risk tolerance, timetable, liabilities, assets, and so on are taken into consideration.
  • However, the best way to ensure your real estate portfolio is maintained and nurtured is by maintaining a list of properties.
  • A Portfolio Manager’s  duty isn’t limited to advising. Instead, they provide a variety of financial services, such as managing your money, finding ways to generate more money, and regularly revisiting your strategies.
  • A portfolio comprising of selected and well curated ideas
  • New and Innovative strategies
  • Customization of the portfolio too can be done.
  • Ability to take focused investment calls both in stocks and sectors
  • Portfolio Management is the process of arranging your assets such that you can meet your immediate and long-term goals.. Tax administration, retirement planning (annuities), personal finance management, and insurance planning are just a few of the responsibilities of a Portfolio Manager.
  • Portfolio Managers are professionals in specific financial services. As a result, they utilize their professional experience in many diverse sectors to manage their clients’ portfolios.

Service Rendered by ICICI PMS

Portfolio Managers carefully manage the client’s assets and investments. Their primary objective is to make an effective decision that will benefit the client’s portfolio by providing healthy and robust returns. Types of Portfolio Management Services:

  • Discretionary: Here, the Portfolio Manager has complete autonomy over your portfolio and investments.
  • Non-Discretionary: The investor is in control of the trade, not the Portfolio Manager. Here, the Portfolio Manager can provide financial advice and execute the work, but the investor makes the investment decision alone, Or the investment company can suggest. 
  • Advisory: The Portfolio Manager can only express their thoughts in this scenario. Only the investor can execute the trade and has the final say regarding the investment.
  • In India, most investors commonly opt for Discretionary services.


  • Worry Less: The Investment Management Service is a Portfolio Management Service that provides expert asset management to obtain better risk-adjusted returns. Not only that, but it also eliminates any monitoring hassles with periodic reviews and risk management. All of this makes it an excellent investment source for high-net-worth individuals.
  • Expert Management: The portfolio is managed by highly skilled experts who have significant experience in equity markets. They manage the portfolio according to the strategy agreed with the clients.
  • Convert to delivery: Diversification of risk improves. Because the stock market is very volatile from time to time, investing in PMS will diversify the risk and reduce the portfolio’s vulnerability to adverse events.
  • Risk Factor: For a greater risk-adjusted return, a portfolio with a smaller stock allocation is most viable. Because PMS’ stock portfolios are typically more concentrated, it has a better probability of generating superior returns over the index, significantly if the portfolio is adjusted to compensate for market volatility.
  • Active & Passive Strategies: ICICI Securities Ltd. does not engage in distribution services, so it provides portfolio management services directly to investors without the need for any intermediaries. Investors may be onboarded now without any intermediation if the firm appoints distributors or intermediaries to distribute its PMS products.
  • On the other hand, Credit portfolio management is a key function for banks that have large, multifaceted portfolios.

How does Portfolio management work?

Portfolio Management is about financial planning and providing higher returns on investments. Because the goal of Portfolio Management is long-term savings, it manages wealth like this:

  1. The first step is for your wealth manager to understand your financial objectives, time horizon, and risk tolerance.
  2. The second stage is to create a suitable strategy for you. This involves proposing the appropriate approaches, goods, and investment management for you. Your wealth manager also considers your liquidity options, tax obligations, and present assets.
  3. The third stage is to put the plan into action. Your investment strategy has now been implemented, and your money has been invested in the places you want.
  4. The last step is to evaluate and modify your strategy as needed, which can sometimes be a time-consuming process.

Charges Under PMS

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  • Management charges – The Fund Manager’s cost over the scheme they supplied will vary according to the provider.
  • Profit-Sharing – Several PMS initiatives charge more than what they would make in profit from the fund’s returns. This fee varies by PMS provider.

Consider a few more charges, such as custodian costs, transaction brokerage, audit expenses, and Demat account creation fees. Before choosing any service, the investor must check the quoted rates.. Also, PMS has the same tax consequences as individual investors.

Purpose of PMS 

Portfolio Management Services specialize in long-term wealth creation and customized investment solutions. In a nutshell, your portfolio is managed by industry experts who will help you get better returns on your investments. 

The Final Verdict:

The risk is lower when you invest in large-cap mutual funds because the portfolio is more diversified and includes less risky stocks. Smaller and mid-caps, on the other hand, have more significant risks than large corporations. Moreover, some PMS subscriptions provide for monthly Systematic Investment Plan (SIP) investment. 

Portfolio Managers are responsible for the client’s assets and investments and for taking appropriate precautions. Their principal objective is to make a competent investment decision that will help increase the portfolio’s performance.

Because it’s all based on the stocks in the portfolio, PMS services have a higher risk of losing money than conventional mutual funds. The stocks chosen in large-cap firms are less risky than those in small and mid-cap companies. In some PMS solutions, monthly investments may be made through SIP contributions.

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