Where does RupeeCase fit next to PMS, mutual funds, and direct stocks?
A transparent side by side on the things that actually cost you money: fees, minimum ticket, lock-in, transparency, and tax treatment. We make no claim that RupeeCase is universally better. We lay it out so you can see where it fits your situation.
| What you pay for | RupeeCase | PMS | Mutual Fund (active) | Direct Stocks (self) |
|---|---|---|---|---|
| Recurring fee | Flat subscription only, no % of AUM | 2% AUM + 20% performance over hurdle | 1.5 to 2.25% TER, deducted from NAV | Brokerage per trade only |
| Minimum ticket | ₹15,000 (5Paisa Focused Alpha 5) to ₹2,94,000 (Allcap Multi Asset / TotalMarket Hybrid) | ₹50,00,000 (SEBI mandate) | ₹500 (SIP) or ₹5,000 (lump sum) | Price of one share |
| Who holds your stocks | You, in your own demat | PMS (pooled or segregated) | AMC / RTA (units, not stocks) | You, in your own demat |
| Lock-in | None | Usually 1 year + 2% exit load | ELSS 3 years, others none | None |
| Transparency of holdings | Full, real time, published in factsheet | Monthly or quarterly statement | Monthly portfolio disclosure | Full (you picked them) |
| Strategy methodology | Published rules, reproducible by any user | Proprietary, not disclosed | Fund factsheet, high level only | Your own |
| Rebalancing | Systematic, 2 or 3 weeks, announced in advance | Manager discretion | Manager discretion | Your discretion |
| Tax treatment | STCG 15% / LTCG 10% on your own stocks, standard equity rules | Taxed on each realised trade by manager, complex P&L | STCG 15% / LTCG 10% on redemption only, compounding inside | STCG 15% / LTCG 10% per stock |
| Exit process | Stop rebalancing, keep the stocks, no transfer | Redeem, wait for settlement, exit load possible | Redeem, 1 to 3 day settlement, exit load possible | Sell when you want |
| Regulatory status | Algo vendor platform, RA application pending via QC Alpha Research | SEBI registered PMS | SEBI registered AMC | No intermediary |
| Investment decision | You execute in your broker, informed by our strategy | Manager decides for you | Manager decides for you | You decide everything |
| Suits you if | You want transparent systematic strategies and own-demat execution at sub PMS tickets | You have 50L+ and want an outsourced discretionary manager | You want hands-off SIP based wealth building | You have time, conviction, and a process |
Mid ticket systematic allocator
You have between ₹20,000 and ₹50,00,000 to deploy in equities, you want rule based execution and you want to keep ownership of the stocks. PMS is overkill, mutual funds hide the methodology and charge for closet indexing, and self picking is time consuming.
Go elsewhere honestly
If you need daily liquidity with no process (use liquid funds), if you want pure SIP automation for a 30 year horizon with no attention (use index funds), or if you want a dedicated manager to choose everything for you with 50L+ (use PMS). We are not trying to be all things.
RupeeCase Nifty vs specific funds and ETFs
Single-page comparisons against the most Googled Indian large-cap funds and ETFs. Each page breaks down returns, drawdowns, fees, lock-in, and transparency, then frames where each fits in a portfolio.
Compare RupeeCase strategies head to head
Picking between two RupeeCase strategies? 24 ready-made comparisons cover the most-asked questions: same-tier neighbours, cross-tier decision aids, and famous matchups. Each page shows a metrics table, holdings overlap, and a trade-off summary.
Or browse all 16 strategies at /strategies/.
Fees compound the other way on the 20 year chart
On a ₹10,00,000 portfolio growing at 14% CAGR for 20 years, a 1.8% mutual fund TER costs about ₹31 lakh in fees compared to a zero percent benchmark. A 2% + 20% PMS structure costs more. RupeeCase charges 0.2% on traded value per rebalance plus your standard broker charges, typically under ₹1 lakh across the same horizon. See the pricing page or the fee calculator below.
Figures on this page are based on typical industry rates as of April 2026 and are not specific to any individual PMS manager or AMC. Your actual fees depend on your broker, the specific PMS or fund, and your tax bracket. RupeeCase does not make performance claims against any specific competitor. Past performance does not guarantee future returns. Read full disclaimers at rupeecase.com/disclaimers.