The client wanted to build a modern, regulation-ready mutual fund investment platform aligned with India’s rapidly evolving digital financial ecosystem. With initiatives like ONDC (Open Network for Digital Commerce), financial services were moving toward standardized, interoperable, and transparent digital networks. Retail investors increasingly expected easy onboarding, real-time visibility of investments, and trust in regulatory compliance. The objective was to create a future-ready investment platform that allows users to discover, invest in, and manage mutual funds seamlessly while remaining fully compliant with SEBI and other financial authorities.
The platform was designed for first-time investors, experienced traders, and financial distributors looking for a compliant and scalable digital investment infrastructure.
Hours delivered back to the business
SOX compliance in Settlement process automation
Success rate of bot case completion
For functional release of OBT, RTS and OGS
The Challenge
- Regulatory-Compliant KYC & Onboarding
Investors must complete KYC in line with SEBI, AML, and PAN-based verification rules, which required secure identity validation, document verification, and audit-ready data handling. - ONDC Interoperability
The platform had to follow ONDC protocols for standardized discovery, order creation, and transaction flows so that mutual fund products could be accessed across multiple financial networks. - Transaction Accuracy & Trust
SIPs, lump-sum investments, and redemptions needed to be processed through compliant APIs with full traceability and settlement accuracy. - Portfolio Transparency
Investors required real-time visibility into NAVs, returns, holdings, and transaction history across multiple fund houses. - Scalability for Financial Growth
The system had to be designed to support future financial products such as insurance, bonds, and lending within the same ONDC-enabled ecosystem.
Solution Delivered
We built an ONDC-enabled mutual fund investment platform that integrates with registered intermediaries, fund houses, and financial service providers through secure APIs.
Users complete digital KYC, browse available mutual fund schemes via standardized ONDC discovery flows, and invest through SIP or lump-sum options. Once invested, users can track portfolios, monitor performance, and request redemptions directly from their dashboard. All transactions are routed through compliant financial networks, ensuring regulatory adherence and settlement integrity.
The admin and compliance backend manages onboarding verification, transaction logs, audit trails, and regulatory reporting.
Key Capabilities
ONDC-Based Investment Flows
Standardized fund discovery, order placement, and transaction routing across financial networks.
Digital KYC & Compliance Layer
PAN, Aadhaar, AML, and regulatory-aligned onboarding workflows.
SIP & Lump-Sum Execution
Automated investments and one-time purchases processed through compliant APIs.
Real-Time Portfolio & Performance Tracking
Live NAVs, gains, holdings, and transaction history.
Redemption & Withdrawal Management
Investors can request withdrawals with full status tracking and transparency.
Secure API-Driven Integrations
Direct connections to registered AMCs, RTAs, payment gateways, and financial networks.
Outcome
The platform delivered a compliant, interoperable, and investor-friendly mutual fund ecosystem powered by ONDC. Retail investors experienced faster onboarding, clearer visibility into their investments, and greater trust through standardized financial flows. The architecture also provided a scalable foundation for expanding into additional regulated financial products, positioning the platform for long-term growth in India’s digital finance landscape.
