--- title: "Compare RupeeCase with PMS, Mutual Funds, and Direct Stocks" description: "Side by side comparison of RupeeCase systematic strategies with PMS, mutual funds, and direct stock investing" source_url: "https://www.rupeecase.com/compare" --- Honest comparison # 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 When RupeeCase wins ### 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. When RupeeCase is not the answer ### 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. Head to head ## 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. [vs Nippon India Nifty 50 BeES (ETF)](/compare/rupeecase-nifty-vs-nippon-nifty-etf.html) [vs UTI Nifty 50 Index Fund](/compare/rupeecase-nifty-vs-uti-nifty-50-index.html) [vs Mirae Asset Large Cap Fund](/compare/rupeecase-nifty-vs-mirae-large-cap.html) [vs Axis Bluechip Fund](/compare/rupeecase-nifty-vs-axis-bluechip.html) [vs HDFC Top 100 Fund](/compare/rupeecase-nifty-vs-hdfc-top-100.html) [vs ICICI Prudential Bluechip Fund](/compare/rupeecase-nifty-vs-icici-pru-bluechip.html) [vs Kotak Emerging Equity Fund](/compare/rupeecase-nifty-vs-kotak-emerging-equity.html) [vs SBI Magnum Midcap Fund](/compare/rupeecase-nifty-vs-sbi-magnum-midcap.html) [vs Smallcase Momentum Baskets](/compare/rupeecase-nifty-vs-smallcase-momentum.html) Strategy vs strategy ## 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. [5Paisa Focused Alpha 5 vs Allcap](/strategies/compare/5paisa-focused-alpha-5-vs-allcap.html) [5Paisa Focused Alpha 5 vs RupeeCase Nifty 10](/strategies/compare/5paisa-focused-alpha-5-vs-rupeecase-nifty-10.html) [5Paisa Focused Alpha 5 vs Midcap Smallcap](/strategies/compare/5paisa-focused-alpha-5-vs-midcap-smallcap.html) [Midcap vs Midcap Smallcap](/strategies/compare/midcap-vs-midcap-smallcap.html) [Midcap vs Smallcap](/strategies/compare/midcap-vs-smallcap.html) [Smallcap vs Microcap](/strategies/compare/smallcap-vs-microcap.html) [Midcap vs Allcap](/strategies/compare/midcap-vs-allcap.html) [Allcap vs Allcap Multi Asset](/strategies/compare/allcap-vs-allcap-multi-asset.html) [Allcap Multi Asset vs TotalMarket Hybrid](/strategies/compare/allcap-multi-asset-vs-totalmarket-hybrid.html) [Allcap Multi Asset vs LargeMid Multi Asset](/strategies/compare/allcap-multi-asset-vs-largemid-multi-asset.html) [LargeCap Multi Asset vs Allcap Multi Asset](/strategies/compare/largecap-multi-asset-vs-allcap-multi-asset.html) [Large Mid Hybrid vs LargeMid Multi Asset](/strategies/compare/large-mid-hybrid-vs-largemid-multi-asset.html) [TotalMarket Hybrid vs Large Mid Hybrid](/strategies/compare/totalmarket-hybrid-vs-large-mid-hybrid.html) [Midcap Smallcap vs Large Midcap](/strategies/compare/midcap-smallcap-vs-large-midcap.html) [Large Midcap vs Midcap](/strategies/compare/large-midcap-vs-midcap.html) [Midcap Smallcap vs Allcap Multi Asset](/strategies/compare/midcap-smallcap-vs-allcap-multi-asset.html) [Midcap vs Energy Basket](/strategies/compare/midcap-vs-energy-basket.html) [Microcap vs Smallcap](/strategies/compare/microcap-vs-smallcap.html) [Focused Largecap 20 vs LargeCap Multi Asset](/strategies/compare/focused-largecap-20-vs-largecap-multi-asset.html) [Focused Largecap 20 vs Largecap Hybrid](/strategies/compare/focused-largecap-20-vs-largecap-hybrid.html) [LargeCap Multi Asset vs Largecap Hybrid](/strategies/compare/largecap-multi-asset-vs-largecap-hybrid.html) [RupeeCase Nifty 10 vs Focused Largecap 20](/strategies/compare/rupeecase-nifty-10-vs-focused-largecap-20.html) [RupeeCase Nifty 10 vs Allcap](/strategies/compare/rupeecase-nifty-10-vs-allcap.html) [Energy Basket vs Allcap](/strategies/compare/energy-basket-vs-allcap.html) Or browse all 16 strategies at [/strategies/](/strategies/). Key insight ### 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](/pricing.html) or the fee calculator below. Do the math yourself See the rupee difference over your actual horizon. [Open Fee Calculator →](/fee-calculator.html) 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](/disclaimers.html).