Affluense AI AFFLUENSE

Excel

Karvy Capital Ltd
PMS Debt
Benchmark
Crisil Credit Index
Inception Date
8 November 2016
Min. Investment
₹50,00,000
AUM (Cr.)
₹89.59
SIP Available
No
STP Available
No

Investment Strategy

Investment Approach

The investment approach focuses on entities holding non-promoter equity interests, which are structured as debt securities (either listed or traded on a recognized stock exchange) or money market instruments.

Investment Objective

Excel PMS is advised for individuals seeking to manage a debt investment portfolio characterized by a low to moderate risk profile.

Performance Returns

Returns as on 2025-12-31

Trailing Returns

Period Strategy Benchmark Outperformance

Calendar Year Performance

Year Return
CY 2025 8.91%
CY 2024 11.36%
CY 2022 10.42%
CY 2021 11.73%
CY 2020 10.18%
CY 2019 9.93%
CY 2018 10.31%
CY 2017 9.47%
CY 2016 1.12%

Financial Year Performance

Year Return
FY 26_YTD 5.85%
FY 25 11.17%
FY 24 11.92%
FY 23 10.86%
FY 22 11.31%
FY 21 10.68%
FY 20 10.00%
FY 19 10.15%
FY 18 10.09%
FY 17 3.06%

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

Fund Managers

Debasis Dasgupta

Director and CIO

With over three and a half decades of comprehensive experience in foreign exchange and fixed-income markets, this professional possesses a distinguished track record. His career commenced in foreign exchange dealing before specializing in the wholesale debt market, where he cultivated profound proficiency in trading, operational aspects, and risk mitigation. He held a significant leadership position at Karvy Capital Ltd., overseeing the Dealing Desk and directing proprietary debt market trading initiatives from the company's establishment. Furthermore, he was pivotal in advancing the debt business operations throughout the Karvy Group. He holds a Bachelor of Science and a Bachelor of Laws from the University of Kolkata.

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
0
top 5 stocks percent
N/A
top 5 sectors percent
N/A
average market cap
N/A
portfolio age
9 Yrs, 1 Months
sip
Not Available
stp
Not Available

Fee Structure

Fixed Fee

AMC: 1.5%

Variable Fee

AMC: No Option

Hurdle: No Option

Profit Sharing: No Option

Exit Load

Year 1: 3%

Year 2: 2%

Year 3: 1%

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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)