T Ram Financial PMS – Review, Strategies, Returns, Charges & moreLast Updated Date: Mar 04, 2022
T Ram Financial PMS represents a new age PMS company with rather unconventional approach. They have been doing a marvelous job of keeping up with their clients.
In fact, that’s the main reason for their success. However, we’re not here to discuss their success. In fact, we’re here to review T Ram Financial Portfolio Management Services. And out review will be constructed based on the following factors: –
- Details about their inception story. We’ll tell you about the place and year when they initiated. And, we’ll even tell you some basic about their founders.
- We’ll describe the kind of PMS options they offer to their clients.
- We’ll brief you about their fund managers. This part will include the details about their educative qualification. And, it’ll even tell you about their experience.
- There’ll be a detailed section on the strategies they use regarding investments. This part will tell you about the implementation procedure of these strategies. It’ll even tell you which strategy caters to which section of clients.
- We’ll share with you a detailed chart of the CAGR of the company. This part will include the CAGR representations for different investment terms. And, it’ll help you to define your expectations in terms of ROI.
- And more
T Ram Financial PMS – Customer Ratings & Review
Find Client ratings of T Ram Financial Portfolio Management Services –
|Returns Performance||3.1 / 5|
|Services||3.0 / 5|
|Charges||3.2 / 5|
|Experience||3.2 / 5|
|Strategies||3.3 / 5|
|Client Support||3.2 / 5|
|Overall Ratings||3.2 / 5|
Overview of T Ram Financial Portfolio Management Services
Find a detailed overview of the T Ram Financial portfolio management service in the table given below-
|Registered Location||Chennai, Tamil Nadu|
|Yr. of Establishment||2011|
T Ram Financial is a newly established PMS company. They were brought onto daylight in the year 2011. And, the efforts of their founder, Ramasubramaniam Subash that made it possible.
They’ve always been focused on serving their clients with utmost satisfaction. In fact, this is their prime work motto. In simpler words, the company’s been thriving over the past 8 years.
And, the credit to their success can be given to their dedicated team. At present they provide many services related to the financial investment and advisory. However, they’re known best for their portfolio management services.
Now, we will have a discussion about T Ram Financial portfolio management service company review, its PMS returns, PMS charges and more.
Invest in T Ram Financial PMS – Fill up the form Now!
Types of T Ram Financial PMS
There are 2 types of T Ram Financial Portfolio Management Services –
|Types of PMS|
T Ram Financial PMS can be a new company, but they know their ways. In fact, they use this fact to the best of their advantage. And, we’re talking about numerous innovations and unconventional approaches.
Yet they’re smart enough to stick to the old school traits when necessary. We’re referring to their approach regarding PMS provision. They provide their clients with two different sets of PMS.
First one is known by the name of Discretionary PMS. This allows the company to take control of the clients’ investments completely.
In fact, the clients are not even bothered with after-advisory consultations. The company does provide timely reports to the clients nonetheless.
The second type of PMS, however, is completely different from the first. It puts the clients in charge of their investments.
They’re provided with investment related advisory. And, they’re asked to decide whether to make alterations to the investment approach. This requires a lot of their engagement.
T Ram Financial PMS Fund Managers Details
The table given below is providing the entire details about the fund manager of T Ram Financial PMS company.
|Fund Manager’s Details|
|AUM (in Cr.)||181 Cr.|
|Number of Clients||70|
The company maybe new, but they do have an experienced team managing them. In fact, each part of the company is being managed by professionals.
Even their PMS segment is being led by an industrial expert. We’re referring to Subash R an expert PGDM with experience of 11 years.
He’s accomplished much in the field of financial investments and advisory. At present he manages over 181Cr. worth of assets for 70 clients.
And, there’s some good news if you’re a high net worth individual. You can have Subash R manage your entire portfolio. All you need to do is invest for at least 3 years.
Know Fund Managers of Other Portfolio Management Service Companies
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T Ram Financial PMS Strategies
The below table is providing details about the T Ram Financial portfolio management service strategies-
|Large Cap Strategy||Yes|
|Small – Midcap Strategy||Yes|
T Ram Financial has never compromised with the satisfaction of their clients. In fact, their team’s always prepared to walk the extra mile. And, that’s just one way to say how dedicated they are.
This even makes them to srategize their investments smartly and without confinements. They invest in all types of portfolios. We’re referring to the small, mid and large cap portfolios.
Nonetheless, they do commence a great deal of research before investing. And, their research involves: –
- Ground research about the portfolios they are to invest upon.
- Analyzing the portfolios on the basis of their past performance.
- Analyzing the efficiency of the managing team behind those portfolios.
- Understanding the potent of scalability of those portfolios.
- Understanding the priorities of the clients they’ll be investing for.
- Analyzing the risk profile of the clients they’ll be investing for.
- Prioritizing the end objectives of their investment strategies.
T Ram Financial PMS Returns / Performance
The below table is giving details about T Ram Financial PMS returns and performance-
|11 Year Plus||7.4%|
The chart above describes about the CAGR of T Ram Financial PMS. And, it has been categorized as per investment terms. As you can see, there are in total five categories.
And, each category has a different return prediction allotted to it. So, the investments worth 3 years are supposed to fetch you 10.2% CAGR.
Investments worth 5 years are supposed to fetch you a CAGR of 9.3%. 11.% CAGR is expected to be gained from 7-year investments.
The 10-year investments are expected to gain 8.5% CAGR. And, all the investments above 11 years are supposed to fetch 7.4% CAGR.
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T Ram Financial PMS Investment Plans
Below the given table is providing details about the T Ram Financial portfolio management service investment plans.
|Bronze (25L – 50L)||Yes|
|Silver (50L – 1 Cr.)||Yes|
|Gold (1 Cr. – 5 Cr.)||Yes|
|Platinum (5 Cr. Plus)||Yes|
T Ram Financial PMS is not at all different in terms of financial categorization. In fact, they too have four distinctions for investment like their competitors.
We’re referring to the investment plans they have. The first category falls under the bronze plan. It’s meant to cater to the investments within 25L-50L.
The next category is called the silver plan. It’s meant to cater to the investments within 50L-1Cr. Third in line is the gold plan.
This refers to the investments with the range of 1Cr.-5Cr. And, the last one is known as the platinum plan. And, this is meant to take care of the investments over 5Cr.
T Ram Financial PMS Fee Structure or Commission Slabs
Find the details about the types of commission models or fees structure offered by T Ram Financial PMS house are as follows-
|Commission / Fees Structure|
|Profit Sharing% Commission||Yes|
T Ram Financial PMS even has three distinctions in terms of commission plans. And, the clients are allowed to select any one of them as per their convenience. We’re referring to the prepaid, volume% and the profit-sharing models.
T Ram Financial PMS Prepaid Commission
|Prepaid Commission (Yearly)|
|Investment – 25L – 50L||1.30% of Investment|
|Investment – 50L – 1 Cr.||1.25% of Investment|
|Investment – 1 Cr. – 5 Cr.||1.15% of Investment|
|Investment – 5 Cr. Plus||1.05% of Investment|
Firstly, comes the prepaid plan. And, it requires the payment of commission in advance. However, the rates are comparatively low since the payment is done in advance.
The commission is charged as per four distinctions. And, each distinction is based upon an investment plan. So, the bronze plan holders are charged with 1.30% commission rate.
Silver plan holders are charged with a commission rate of 1.25%. third in line is the gold plan. This is charged at 1.15% commission rate.
And, the last one is for the platinum plan. This one charges the holders with 1.05% commission rate.
T Ram Financial PMS Volume% Commission
|Volume% Commission (Yearly)|
|Transaction Volume – 25L – 50L||0.115% of Total Transaction Volume|
|Transaction Volume – 50L – 1 Cr.||0.110% of Total Transaction Volume|
|Transaction Volume – 1 Cr. – 5 Cr.||0.101% of Total Transaction Volume|
|Transaction Volume – 5 Cr. Plus||0.089% of Total Transaction Volume|
Volume% plan charges the clients as per the transactions made for portfolio strengthening. We’re referring to the transactions made by the fund manager.
Even this is charged as per four distinct categories. The first one is meant for the bronze plan holders. This charges the clients with 0.115% rate.
Next in line is the one for silver plan holders. This charges the clients with a commission rate of 0.110%. The third one is meant for the gold plan holders.
This charges the clients with 0.101% commission rate. And, the last one is for platinum plan users. This charges the clients with 0.089% commission rate.
T Ram Financial PMS Profit Sharing% Commission
The table given below is showing details about profit sharing% commission model-
|Profit Sharing% Commission (Yearly)|
|Profit Amount – 2.5L – 5L||23.1% of Profit|
|Profit Amount – 5L – 10L||21.1% of Profit|
|Profit Amount – 10L – 50L||19.1% of Profit|
|Profit Amount – 50L Plus||16.1% of Profit|
This is the last of all commission plans. It is charged as per four distinct categories too. We’re referring to the investment plans. The first category falls under the bronze plan.
This is charged at 23.1% commission rate. Next in line is the one for silver plan. This charges the clients with 21.1% of commission rate.
Then comes the one meant for gold plan holders. This charges them with 19.1% commission rate. And, the last one is for the platinum plan. This is charged at 16.1% commission rate.
Know Charges models of other Portfolio Management Service Providers
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T Ram Financial PMS Charges
The below-given table is giving information about T Ram Financial Portfolio Management Service Charges-
|Management Fees||As per commission model|
|Upfront Fees||0.75% – 0.95% of Asset Value|
|Brokerage Charges||0.007% – 0.018% of Total Transaction Value|
|Custodian Charges||0.16% – 0.27% of Asset Value|
|Depository Charges||0.16% – 0.35% of Asset Value|
|Exit Load – within 12 months||0.81% – 1.01% of Withdrawal Value|
|Exit Load – post 12 months||Free|
Here’s the complete list of charges you must pay beside commission rates: –
- Management fee as per the chose commission plan.
- Upfront fee at 0.75%-0.95% of asset value.
- Brokerage charge at 0.007%-0.018% of transaction value.
- Custodian charge at 0.16%-0.27% of asset value.
- Depository charge at 0.16%-0.35% of asset value.
- And, exit load at 0.81%-1.01% of withdrawal value.
T Ram Financial PMS Benefits
Find the details about T Ram Financial PMS advantages in the table given below-
|Benefits / Advantages|
|Back office Reports||Yes|
|Flexible Commission Model||Yes|
|Flexible Investment Plans||Yes|
Here is the overall list of benefits you may get from T Ram Financial PMS: –
- Permission to increase your investment value with their top-up facility.
- Access to several reports about your investments.
- Access to instant and regular updates on your investment status.
- A lot of flexible commission and investment plans to choose from.
T Ram Financial PMS Customer Care
The table given below is showing a detailed view of T Ram Financial PMS Customer Care.
|Relationship Manager Support||Yes|
|Call to Fund Manager||Yes – 5 to 6 Times a month|
|Issue Resolving TAT||17 working days|
T Ram Financial PMS has set up a customer care to assist their clients in dire hours. It grants the following support: –
- Provision to call the fund manager 5-6 times a month.
- Support concerning their portfolio through call and email.
- Access to a relationship manager.
- Issue resolution promise within 17 working days.
T Ram Financial PMS Conclusion
We deem T Ram Financial PMS to be one of the best at their job. In fact, we’re pretty confident about their PMS activities.
Invest in T Ram Financial PMS – Fill up the form Now!
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