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 to 13%. Each one visible, each one in your name.
By Yash Jhaveri, Founder & CEO, Beyond
Beyond · JSL Wealth Management · Vadodara · ARN XXXXX
Last reviewed September 2026 · Regulatory position as at September 2026
What it actually is
A SEBI-registered PMS holding high-yield corporate bonds and structured debt directly in your demat account. The manager picks 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.
Education, not advice. We may earn referral fees when you invest through us. Full disclosures