UCWF · UCGF · UCPF

Three funds.One signature.

Three portfolio strategies, each built for a different investor — and each run with the same conviction, research and restraint.

Schedule a discovery call Meet the three funds

The signature

Engineered, not assembled.

A PMS mandate holds securities directly in your own demat account. You own every stock, see every transaction, and the portfolio is shaped around your tax position and liquidity needs — while our desk does the work of managing it.

₹1 croreminimum investment
3distinct strategies
<25%annual turnover

Three funds. One story. Focus at the core, balance around it, prosperity at the top.

Balance · Multi-asset

UpperCrust Growth Fund

One portfolio across equities, mutual funds, ETFs and fixed income products — the mix rebalanced as valuations and the cycle change.

4asset classes

₹76.14 CrAUM

Equities · Mutual funds · ETFs · Fixed income products

Start with UCGF See the record

Focus · Core equity

UpperCrust Wealth Fund

Our flagship. Diversified, quality-first equity — built to compound steadily, without concentration risk on day one.

25–30holdings

₹136.84 CrAUM

Minimum ₹1 crore · No lock-in · Benchmark BSE 500 TRI

Start with UCWF See the record

Prosperity · By invitation

UpperCrust Prosperity Fund

Ten to fifteen positions, held for a decade or longer, for families whose priority has shifted to preservation and transfer.

10–15holdings

10+ yrshorizon

Commitment ₹5 crore · By referral or invitation

Schedule a discovery call

The record. Measured against the benchmark, every period.

24.29^%UCWF, 3-year return (annualised)

UCWF24.29%

BSE 500 TRI12.09%

Ahead of the benchmark by 12.20 percentage points a year.

Time-weighted returns (TWRR), gross of fees, as per the latest monthly factsheet. Returns above one year are annualised. UCPF performance is shared in private review. Past performance is not indicative of future returns.

Why PMS with UpperCrust. A relationship, not a pooled product.

Every transaction visible to you, as it happens.

One named portfolio manager, accountable for your account.

Every holding re-underwritten each quarter against its thesis.

Benchmarked openly — every return shown against its index.

Fees agreed upfront — never bundled, never hidden.

Onboarding

From first conversation to a live portfolio.

i.
Discovery call
Thirty minutes to understand your goals, existing holdings and comfort with risk.
ii.
Mandate proposal
We recommend a fund and show you a model portfolio, with full transparency on risk.
iii.
KYC and agreement
Digital KYC and the PMS agreement, typically completed within 5–7 working days.
iv.
Deployment
Capital is deployed in tranches rather than in one move, to manage entry-timing risk.

From the investment desk. The thinking behind our positioning.

Sector report

Defence: the self-reliance decade

Why we treat India’s defence manufacturing as a multi-year order book, not a theme — and how we decide which companies have earned a place.

7 min readRead in the library

Quarterly letter

Power equipment and the grid India now has to build

Electricity demand, renewables and data centres are forcing a once-in-a-generation build-out of transmission and equipment. Here is how we think about owning it.

6 min readRead in the library

Market outlook

Gold and silver in a bespoke portfolio

Precious metals are not a trade for us. They are ballast — and how much ballast each family needs is a personal decision, not a market call.

5 min readRead in the library

Before you speak to us

Questions investors usually ask first.

What is the minimum investment?

₹1 crore for each of UCWF and UCGF, and ₹5 crore for UCPF. (SEBI’s regulatory minimum for PMS is ₹50 lakh.) Most client accounts are significantly larger.

How is this different from a mutual fund?

Your holdings sit directly in your own demat account rather than a pooled vehicle. You see every transaction, and the portfolio can be tailored to your tax position.

What are the fees?

A fixed management fee plus a performance fee above a hurdle rate. The exact structure is shared and agreed during onboarding — never bundled or hidden.

Can I withdraw before a fixed term?

Yes. There is no lock-in on UCWF or UCGF. UCPF carries a soft commitment period given its concentrated, longer-horizon mandate.

How often will I hear from my advisor?

Formal quarterly reviews at minimum, with your named advisor reachable directly in between.

Regulatory disclosure

Read before investing.

Portfolio management services are offered through Moat Financial Services Pvt. Ltd., SEBI PMS Registration No. INP000004482. Investments in securities are subject to market risk; there is no assurance or guarantee that the investment objective of any fund will be achieved.

Past performance is not indicative of future returns. Please read all fund-related documents, including the Disclosure Document, carefully before investing. Fees and expenses vary by mandate and are disclosed in full during onboarding.

Clients are advised to consider their own tax and financial position independently, or with their tax advisor, before committing capital.