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What is Debt PMS?

Debt PMS generates long-term capital & income appreciation. Our fund management team does extensive research to find promising & emerging businesses to invest your money. By trading in secondary market securities, our objective is to generate long-term benefits for you, in terms of high yield and income.

What debt products does Karvy offer?

Currently, Karvy offers two products under the Debt PMS – namely

What is Excel?

Excel is a mid-yield product that prioritizes income over capital appreciation through asset allocation to debt

Who is Excel suitable for?

Excel is designed for investors who

•   Seek a moderate return over a long term horizon

•   Have a low to moderate risk appetite

•   Having a low to moderate risk appetite

What kind of securities does Excel invest in?

Excel is diversified across securities with credit rating of investment grade and above only

What is the minimum investment amount?

As per SEBI mandates, the minimum investment under the Portfolio management scheme is INR 25,00,000 (Indian rupees twenty five lakh only)

What is the target yield?

We use the 5-year SBI FD as a benchmark for our yield. Given an approximate rate of 6.25%, we aim to return 6-8% MORE than the SBI FD.

What makes Excel unique?

•   Provides a moderately higher yield than many bank FDs

•   Scheduled monthly cash-flows to investor

•   Diversified across sectors to mitigate risk

What is Demeter?

Demeter is a high-yield debt portfolio that seeks income and capital appreciation through asset allocation to debt

Who is Demeter suitable for?

Demeter Portfolio is designed for investors who:

•   Seek high returns over a long term horizon

•   Have a moderate to high risk appetite

What kind of securities does Demeter invest in?

The portfolio is robustly diversified across both rated and unrated securities such as Non-Convertible Debentures and Preference shares.

What is the minimum investment amount?

As per SEBI mandate, the minimum investment under the Portfolio management scheme is INR 25,00,000 (Indian rupees twenty five lakh only)

What is the target yield?

We use the 5-year SBI FD as a benchmark for our yield.

Given an approximate rate of 6.25%, we aim to return 8-11% MORE than the SBI FD.

What makes Demeter unique?

•   Provides a higher yield than most regular bank FDs

•   Scheduled cash-flows to investor after every quarter

•   Diversified across sectors and instruments to mitigate risk

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