The Yield EnginePMS
Debt PMS
A managed lending desk inside your own demat. Instead of one FD, a manager runs a basket of high-yield bonds paying 11–13% — each one visible and held in your name.
Minimum₹50 L
Indicative range11–13% p.a. (indicative)
Risk bandLow–Moderate
LiquidityMin 3-month lock-in, then days
Horizon6 months – 2+ yrs
What it actually is
A SEBI-registered PMS that holds high-yield corporate bonds and structured debt directly in your demat account. The manager selects and rotates the credits; coupons flow to you. Higher carry than traditional debt, with only a short lock-in.
The job it does
- Double-digit income with full portfolio transparency
- A middle path between FD+ and locked private credit
- Regular coupon cashflow with a short lock-in
Why people use it
- Every bond visible in your own account — no unit-NAV opacity
- Short 3-month lock-in, then exits settle in days
- Coupon ladder can be built around your cashflow needs
What can go wrong
- Credit risk is the engine — a default hits directly
- High-yield bonds can trade thin in stressed markets
- Interest income gets no long-term tax shelter
Does Debt PMS belong in your architecture?
Seven questions narrow thirteen structures to a shortlist.
Adjacent materials
Content on this site is for education only and is not investment advice or an offer to sell any product. Past performance does not guarantee future results. Please consult your Chartered Accountant and read all scheme documents before investing.