From Institutional Backbone to Consumer-Ready Investing App
A mutual fund investment app built for individual retail investors - covering onboarding, SIP and lump sum investing, portfolio tracking, and redemption, integrated directly with India's NSE mutual fund infrastructure.
Outcome Snapshot
17,000+
mutual fund schemes covered at launch
60-70%
fewer defects across the build
5
core services powering the platform
6
Investor journeys covered end-to-end
Client
A financial services company operating an existing corporate investment platform, holding an AMFI-registered mutual fund distributor licence. The company set out to extend into the retail investor market with a consumer-grade mobile experience, similar to leading retail investment apps.
Challenge
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A corporate-only platform: existing infrastructure served corporate clients only, with no route into the fast-growing retail mutual fund market.
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No consumer-grade product: retail investors expected an app-based experience comparable to existing market leaders, which didn't exist yet.
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Complex market data: scheme data across 17,000+ funds arrived in inconsistent formats, needing to be normalised for a clean user experience.
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A live, real-time order lifecycle: mutual fund orders are processed in batches by the exchange, requiring careful state handling rather than instant confirmation.
Objectives
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Build a retail-facing mobile app for mutual fund investing, from onboarding to redemption
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Integrate directly with exchange mutual fund infrastructure for real-time order processing
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Support both lumpsum and SIP (systematic investment plan) journeys
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Deliver a fund discovery experience alongside investor account management
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Build an internal admin portal to support the retail operations team
What We Built
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A retail investment app: covering KYC onboarding with PAN and bank verification, lumpsum and SIP investing, portfolio tracking with NAV-based returns, and fund redemption.
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Exchange-integrated order processing: built on official mutual fund exchange APIs, with custom handling for asynchronous, batch-based order confirmation.
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A fund discovery experience: helping investors browse and compare mutual fund schemes ahead of investing.
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In-app customer support: a ticketing system with push notifications, so investors can resolve issues without leaving the app.
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An internal admin portal: giving the operations team the tools to manage the retail investor base.
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A domain-service architecture: five independent services covering onboarding, orders, exchange integration, notifications, and verification, each with its own data store for reliability at scale.
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AI-assisted engineering practices: used across requirements, coding, and QA, helping the team deliver 3-4x faster than a traditional build timeline.
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Compliance and security by design: encryption, access controls, and audit logging built in from day one, in line with financial services requirements
Impact
Modernised
a corporate-only platform into a full retail-facing product, opening a new segment.
Simplified
a complex order lifecycle into a smooth, real-time-feeling experience.
Accelerated
AI-assisted development cut defects by 60-70% across the build.
Secured
investor data with encryption, access controls, and audit logging.
Build Facts
Focus
Retail Investment Onboarding
Exchange API Integration
Mutual Fund Order Processing
Financial Data Security
Platform & Services
Mobile App (React Native)
Admin Portal (ReactJS)
Cloud Backend (AWS)
Mobile App Development
Solution Architecture
Software Engineering (Full-Stack)
Cloud Engineering and Infrastructure
QA
Industries
Financial Services
WealthTech
Enterprise & SaaS Platforms
Let’s talk, no strings attached.
