Affluense AI AFFLUENSE

Zen PMS

Scient Capital Pvt Ltd
PMS Debt
Benchmark
Crisil Composite Bond Fund Index
Inception Date
17 December 2020
Min. Investment
₹50,00,000
SIP Available
No
STP Available
No

Investment Strategy

Investment Approach

This investment vehicle is designed for individuals with a conservative investment profile and a low tolerance for risk. Its primary objective is capital preservation, mirroring the investment strategies of corporate treasury operations. It is suitable for investors seeking to avoid credit and duration exposure. Furthermore, it caters to those aiming to construct bespoke investment portfolios.

Investment Objective

This investment strategy emphasizes meticulously selected listed debt instruments within the fixed income universe. The approach is designed to generate superior risk-adjusted returns compared to Indian Government Securities over a projected 2-5 year horizon, by focusing on high-grade credit quality and optimal duration management.

Performance Returns

Returns as on 2025-12-31

Trailing Returns

Period Strategy Benchmark Outperformance
1 MONTH -0.34% 0.27% -0.61%
3 MONTHS 0.62% 1.30% -0.68%
6 MONTHS 4.93% 2.01% 2.92%
1 YEAR 7.37% 6.82% 0.55%
2 YEAR 5.81% 7.88% -2.07%
3 YEAR 5.87% 7.73% -1.86%
SINCE INCEPTION 6.00% 6.93% -0.93%

Calendar Year Performance

Year Return
CY 2025 7.37%
CY 2024 4.24%
CY 2023 5.95%

Financial Year Performance

Year Return
FY 26_YTD 3.54%
FY 25 6.79%
FY 24 5.63%

Past performance is not indicative of future results. Returns are subject to market risks.

Fund Managers

Ramesh Rachuri

CIO & Business Head

Ramesh Rachuri possesses over 14 years of diverse market experience spanning foreign exchange, equity derivatives, and quantitative strategies, in addition to a comprehensive understanding of the entire spectrum of debt markets, from government securities to credit and structured products. Following his PGDM from IIM Indore, his career trajectory includes roles at Securities Trading Corporation of India Ltd, Reliance Mutual Fund, Reliance PMS, and BOI AXA Mutual Fund. He has a proven track record of successfully establishing and expanding new business segments into robust and profitable operations. A key aspect of his expertise lies in integrating quantitative methodologies into fund management and strategy development to capitalize on market size and dynamic trading environments.

Portfolio Details

Portfolio Composition

Large Cap
0%
Mid Cap
0%
Small Cap
0%
Cash & Equivalent
0%

Top 5 Holdings

  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A

Top 5 Sectors

  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A
  • Undisclosed N/A

Portfolio Characteristics

total number of stocks
N/A
top 5 stocks percent
N/A
top 5 sectors percent
N/A
average market cap
N/A
portfolio age
5 Yrs, 0 Months
sip
Not Available
stp
Not Available

Fee Structure

Fixed Fee

AMC: 1%

Variable Fee

AMC: 1%

Hurdle: 6%

Profit Sharing: 20%

Exit Load

Year 1: 0.5%

Year 2: 0%

Year 3: 0%

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Disclaimer

Returns are as of 2025-12-31. Returns for periods up to one year are not annualized. Returns for periods exceeding one year are annualized. Returns are computed using the Time Weighted Rate of Return (TWRR) methodology and are provided by the respective Asset Management Companies (AMCs). 'ND' denotes 'No Data', and 'NA' denotes 'Not Applicable'. The performance of the respective Benchmark Indices is presented above. Benchmark(s) are as defined in SEBI circular no. SEBI/HO/IMD/IMD-PoD-2/P/CIR/2022/172 dated December 16, 2022, APMI circular no. APMI/2022-23/02 dated March 23, 2023, and Revised Annexure-1.

This page is provided solely for general informational purposes in relation to the strategy and is based on publicly available information. While reasonable care has been taken to ensure accuracy, the information may not reflect the most recent updates.

Nothing on this page constitutes investment, financial, or legal advice. Investment decisions should be made after consulting a qualified advisor and reviewing official scheme documents.

Last Updated: January 2026 · Published by Affluense AI (affluense.ai)