Complete backend code
Your business owns the full backend codebase, hosted on your servers or cloud.
Mutual Fund Backend as a Service
Finvesto provides and operates the backend software that powers your mutual fund app: investor onboarding, investments, transactions and portfolios. Connect your own app or website through APIs instead of building the backend from scratch. You own the code, and it runs on your servers.
BUILT FOR FINTECH FOUNDERS
INDIA · MUTUAL FUNDS
YOUR DEPLOYMENT MODELCLIENT INFRASTRUCTURE
YOUR APP OR WEBSITE / FRONTEND
F·
ExplorePortfolioGoals
Your brand and investor experience↗
API / INTEGRATION LAYER
BACKEND SOFTWARE AND APIsProvided and operated by Finvesto
YOUR SERVERS / CLOUD
Your code. Your control.
Your code. Your control.
01BACKEND OWNERSHIP
FINVESTO MUTUAL FUND BACKENDYOUR CODE · YOUR INFRASTRUCTURE · YOUR INVESTOR EXPERIENCE
THE SERVICE, EXPLAINED
What is Mutual Fund
Backend as a Service?
The software behind your investor experience.
Finvesto provides configurable mutual fund modules and APIs for onboarding, KYC, investment accounts, orders, systematic plans and portfolio data. Your app connects to this backend; it is not a ready-made investor app.
YOU OWNCode + infrastructure
YOUR TEAM BUILDSFrontend, AI + investor flows
FINVESTO MANAGESBackend operations, by agreement
Need an investor-facing product too? Explore our custom app development service, or see how it differs from a ready-made mutual fund app.
Discuss your requirementsDeployment and ongoing operations
Finvesto deploys the backend, monitors it, maintains it and manages updates within the agreed scope.
Business and growth
Your team owns business decisions, custom logic, branding, investor journeys and scaling.
BACKEND MODULES
21 mutual fund
backend microservices.
These are the backend capabilities your app can use through APIs. Each module runs as a separate microservice and can be customised to your business rules.
SEPARATE SERVICES · CONNECTED VIA APIs21 MICROSERVICES
User Authentication
Manage investor sign-in and identity access.
KYC
Support investor verification workflows through your chosen providers.
Investment Account Creation
Create and manage investment account opening workflows.
Risk Assessment
Capture investor risk assessment inputs and outcomes.
Bank and Mandate
Manage bank details and mandate setup workflows.
Nominee Management
Capture and maintain investor nominee details.
Basket Investment
Build and invest in curated baskets of mutual funds.
Goal Investment
Connect mutual fund investments to investor goals.
Explore and Invest
Let investors discover funds and start an investment.
NFO
Present new fund offers and support investment journeys.
Transaction and Order Management
Submit and track investment orders and transactions.
Account Aggregator
Support consent-based financial data sharing workflows.
SIP
Set up and manage systematic investment plans.
SWP
Set up and manage systematic withdrawal plans.
STP
Set up and manage systematic transfer plans.
Switch
Support investor mutual fund switch instructions.
Portfolio and External Investments
Show portfolio holdings alongside external investments.
Family Investment
Bring family member investment views into one experience.
Notifications and Nudges
Send investor updates and product engagement reminders.
Portfolio Rebalancing
Support portfolio review and rebalancing workflows.
Support
Help your team manage investor support journeys.
EVERY MODULE IS A SEPARATE MICROSERVICE CONNECTED VIA APIs.
How the microservices work
Each module operates as its own microservice and connects to other services through APIs. Services can be deployed, updated and scaled independently, subject to your infrastructure and architecture. Customise each one to your product and business logic.
KYC, transaction and Account Aggregator workflows depend on your selected providers, access, infrastructure, user consent where applicable, and relevant requirements. Your business retains its regulatory responsibilities; Finvesto does not assume them.
YOUR BRAND AND BUSINESS
Build your branded
mutual fund product.
Your app or website is the frontend: the screens investors see and use. Connect it to Finvesto’s backend APIs to onboard investors, place orders and display portfolios. Keep your own design, branding and user flows.
01Your UI and brandingDesign the digital experience for your investors.
02Your investor flowsCustomise modules and business logic for your model.
03Your integration choicesPlug in AI and non-AI solutions as your product evolves.
Finvesto handles technical operations.
Your team handles the business and its growth.
Your team handles the business and its growth.
YOUR AI. YOUR FRONTEND. OUR MUTUAL FUND BACKEND.
You build the frontend and AI.
We handle the mutual fund backend.
Your team owns the investor experience and any AI module you already have—or are building. Connect them to Finvesto’s conventional mutual fund services through APIs.
Frontend + AI module
Your branded app, website and investor journeys—including any AI capability your team chooses to build or use.
Conventional backend services
Authentication, KYC workflows, investment accounts, orders, SIP / SWP / STP, portfolios, provider integrations and technical operations.
EXAMPLE FLOW
An investor stays in control.
- 01Your AI module prepares an investor-facing flow.Your product defines what the investor sees and reviews.
- 02The investor reviews and confirms an investment request.No automatic investment execution is implied.
- 03Your frontend sends that confirmed request to backend APIs.Your application controls when a request is submitted.
- 04The backend processes it through an authorised provider.The provider response and order status return for your frontend to display.
Finvesto does not build or own your AI model, provide financial advice, or assume your regulatory responsibilities. Provider integrations and transaction workflows depend on provider access, permissions, your infrastructure and investor consent where applicable.
FREQUENTLY ASKED QUESTIONS
Mutual fund backend
questions.
Answers about ownership, hosting, microservices and operating responsibilities.
Ask about your setupWhat exactly do we get with this service?
You get configurable mutual fund backend modules, APIs for your app or website, the complete backend codebase and Finvesto’s ongoing technical operations within the agreed scope. The backend runs on your infrastructure. Your team supplies the investor-facing app or website and runs the business.
How is this different from a ready-made mutual fund app?
A ready-made app includes the investor-facing screens. This service provides the backend software those screens connect to. Use it when you want your own frontend and business logic, without building and maintaining the mutual fund backend from scratch.
Where does the backend run?
The complete backend code is owned by your business and hosted on your servers or cloud infrastructure.
What does Finvesto manage?
Finvesto manages deployment, monitoring, maintenance, updates and technical support within the agreed scope. You focus on your business and growth. Regulatory responsibilities remain with your business and its authorised providers.
Do we own the entire backend code?
Yes. You own the entire backend codebase, and it runs on your servers or cloud infrastructure—not a shared backend you cannot control.
Can we shape the modules and investor flows?
Yes. Modules and business logic can be customised, while your team designs its own UI, branding and investor journeys.
How do the microservices work together?
Each listed module operates as a separate microservice and connects to other services through APIs. Services can be deployed, updated and scaled independently, subject to your infrastructure and architecture, and customised to your product logic.
Can it work with our existing or future solutions?
The backend provides a plug-and-play integration foundation for your own AI and non-AI solutions. Specific integrations depend on your architecture and requirements.
How do KYC, transactions and Account Aggregator work?
These capabilities rely on your chosen providers, infrastructure, user consent where applicable, and relevant requirements. Finvesto does not assume your regulatory responsibilities.
Does it include SIP, SWP, STP and switches?
Yes. The modules cover systematic investment plans (SIP), systematic withdrawal plans (SWP), systematic transfer plans (STP) and switches, alongside order management and portfolio views. Workflows are configured around your transaction provider and product requirements.
Who is this built for?
Indian mutual fund distributors, wealth businesses, fintech founders and product teams that want to own their backend, host it on their infrastructure and build their own branded investor experience.
LET’S TALK ABOUT YOUR BUILD
Discuss your mutual
fund backend.
Share a little about your team and what you’re building. We’ll get back to you within two business days.
OWN THE CODE.
MAKE THE PRODUCT YOURS.
MAKE THE PRODUCT YOURS.