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
nvestor 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
Platform
Mobile App (React Native)
Admin Portal (ReactJS)
Cloud Backend (AWS)
Focus
Retail Investment Onboarding
Exchange API Integration
Mutual Fund Order Processing
Financial Data Security
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