Investment
Product Reckoner
Not sure which investment product is right for you? Use our Product Reckoner to compare PMS, SIF, Mutual Funds, Bonds, Pre-IPO, AIF and more — and instantly discover which products best match your goals, corpus, and risk appetite.
Prefer a human? Share your details — our advisor will call you within 24 hours.
🔒 Your data is 100% secure & never shared with third parties
Every Product We Offer —
At a Glance
Amyra Securities offers the complete spectrum of regulated investment products. Click any product to learn more, or use the Reckoner below to find your best match instantly.
A bespoke, professionally managed equity portfolio held directly in your demat account. Personalised strategy, dedicated fund manager, and full transparency. No pooling of funds.
A new SEBI-regulated asset class between MFs and AIFs. Allows long-short equity, concentrated sectors, high-yield debt, and hedged strategies — exclusively for accredited investors.
Pooled, professionally managed investment vehicles across equity, debt, hybrid, and index categories. The most accessible, liquid, and regulated investment product for all investor types.
Government bonds, corporate bonds, NCDs, tax-free bonds, NBFC FDs, and Sovereign Gold Bonds — offering predictable returns and capital protection with yields up to 12%+ p.a.
Invest in high-growth private companies before their public listing on BSE/NSE. Access Pre-IPO shares, unlisted equity, and ESOP buyouts via demat transfer — at pre-market valuations.
SEBI-regulated funds for sophisticated investors — Category I (venture/infra), Category II (PE/debt), and Category III (hedge funds with complex strategies). Higher entry, higher potential return.
The Investment
Reckoner Tool
Answer 4 quick questions about your goals, corpus, risk tolerance, and investment horizon — and we'll instantly recommend the products that best match your profile.
Product Reckoner
4 questions · Takes less than 60 seconds · Instant recommendation
All Products Compared —
One Master Table
Use this comprehensive comparison to understand exactly how each investment product differs on the dimensions that matter most to you as an investor.
← Scroll right to see all products →
| Feature / Dimension | Mutual Fund | PMS | SIF | Fixed Income | Pre-IPO / Unlisted | AIF |
|---|---|---|---|---|---|---|
| Min. Investment | ₹500 SIP | ₹50 Lakhs | ₹10 Lakhs | ₹10,000+ | ₹50,000+ | ₹1 Crore |
| SEBI Regulated | ✔ Yes | ✔ Yes | ✔ Yes | ✔ Yes | ✘ Not directly | ✔ Yes |
| Direct Stock Ownership | ✘ Units only | ✔ Your demat | ✘ Fund units | Bonds in demat | ✔ Your demat | ✘ Fund units |
| Portfolio Customisation | ✘ None | ✔ High | Strategy selection | Product mix | Company selection | Fund selection |
| Short Selling / Derivatives | ✘ Very limited | ✘ No | ✔ Yes | N/A | N/A | ✔ Cat III |
| Liquidity | High (T+2) | Moderate (exit load) | Moderate | Varies (exchange) | Low (illiquid) | Low (locked-in) |
| Dedicated Manager Access | ✘ No | ✔ Yes | ✘ No | Advisor access | Advisor access | ✘ No |
| Tax-Loss Harvesting | Limited | ✔ Flexible | Moderate | Via indexation | LTCG at 24 mo | Varies |
| Suitable Investor Type | All investors | HNI / UHNI | Accredited investors | All (esp. retirees) | HNI / long horizon | Ultra-HNI / Family office |
| Return Potential | Market-linked | Alpha potential | Higher alpha | 7 – 12% fixed | Very high (3x–10x) | High potential |
| Risk Level | Low – High | Moderate – High | Moderate – High | Low – Moderate | High – Very High | Moderate – Very High |
| Pooling of Funds | ✔ Pooled | ✘ Segregated | ✔ Pooled | N/A | ✘ Individual | ✔ Pooled |
Not Sure Which Product
Is Right for You?
Our advisors have no product bias — we cover PMS, SIF, Mutual Funds, Fixed Income, Pre-IPO, and AIF under one roof. Share your details and we'll map the right strategy to your specific situation.
Centricity, 1105, 11th Floor, Antriksh Bhawan, K G Marg, Delhi – 110001
Frequently Asked Questions
The key difference is ownership and personalisation. In a mutual fund, your money is pooled with thousands of other investors and you own units — not individual stocks. In PMS, your money is managed separately and stocks are held directly in your own demat account in your name. Your PMS portfolio is also customised to your specific goals and tax situation, which mutual funds cannot offer. PMS requires a minimum of ₹50 Lakhs; mutual funds can be started with ₹500.
SIF (Specialized Investment Fund) is a new SEBI-regulated product introduced in 2025 that sits between mutual funds and AIFs. Like mutual funds, it operates under SEBI's regulatory framework with mandatory NAV disclosures. Unlike standard mutual funds, SIF allows fund managers to take short positions, use derivatives more flexibly, invest in below-investment-grade debt, and run concentrated sector bets. Unlike AIFs (which require ₹1 Crore minimum), SIF is accessible from ₹10 Lakhs for accredited investors.
For regular monthly or quarterly income, Fixed Income products are best suited — specifically corporate bonds, NCDs, NBFC fixed deposits, and government securities with semi-annual coupons. These pay fixed interest on predictable schedules. Debt mutual funds can also generate income via systematic withdrawal plans (SWPs). PMS and equity products are not designed for regular income generation — they are focused on long-term capital appreciation.
Absolutely — and for most HNIs, a multi-product approach is recommended. A well-constructed portfolio might have a core equity allocation via PMS or mutual funds, a fixed income layer for stability and income, and a satellite allocation to Pre-IPO stocks or SIF for higher-return potential. Amyra Securities advises across all products and can help you build an integrated, multi-product wealth strategy tailored to your overall financial situation.
SEBI defines an accredited investor as an individual with a net worth of at least ₹7.5 Crore (including the value of their principal residence), or an annual income exceeding ₹1 Crore, or a combination as specified in SEBI regulations. Accreditation is required to access SIF and some categories of AIF. We help you check eligibility and complete the accreditation process as part of our onboarding — it's free and simple.
Use the Product Reckoner tool on this page to get an instant recommendation based on your goals, corpus, risk profile, and horizon. If you would prefer a personalised human advisory, fill in the contact form and our advisor will call you within 24 hours. We recommend starting with a 30-minute advisory call — it's free, no obligation, and helps us understand your complete financial picture before recommending any product.
Important Disclosure | The Product Reckoner is an educational and indicative tool only — it does not constitute financial advice, a solicitation, or an offer to invest in any product. All investment products are subject to market risks. Minimum investment thresholds, eligibility criteria, and regulatory requirements are subject to change — please verify current terms with our advisor before investing. PMS is regulated by SEBI under the SEBI (Portfolio Managers) Regulations, 2020. SIF is regulated by SEBI. Mutual Funds are distributed by AMFI-registered distributors. Fixed income products are subject to credit, interest rate, and liquidity risk. Unlisted share investments are not SEBI-regulated and carry higher risk including illiquidity. AIFs are regulated by SEBI under the SEBI (Alternative Investment Funds) Regulations, 2012. Please consult your financial, legal, and tax advisor before making any investment decision. Amyra Securities is a distributor / advisor and not a portfolio manager in its own right.
