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Build Your New-Gen Mobile App

Wed, 24 Dec 2025 09:11:59 +0530

Build Your Own Mutual Fund App | IDELIVER + Finnsys

Build Your Own Mutual Fund App

Enterprise-grade MF technology powered by Finnsys & NSE Invest — delivered in 45 days

Who We Are

IDELIVER Services Pvt Ltd enables Mutual Fund Distributors to launch their own fully branded Android & iOS apps using institutional-grade fintech infrastructure. This is your platform — not a revenue-sharing marketplace.

Technology Stack

✔ Finnsys Core MF APIs
✔ NSE Invest Infrastructure
✔ Zoho CRM (Optional)
✔ Android, iOS & Web Admin

What You Get

Modern Code

Modern Design

Standard APIs

Commercial Models (One-Time)

End-to-End Delivery

₹6,00,000 + GST

Design + Development
Finnsys + NSE Invest APIs
Zoho CRM integration (optional)
Delivery in 45 days
₹1,00,000 advance

You Design, We Build

₹4,50,000 + GST

Your design (Figma / Canva / Images)
Full mobile & backend development
All APIs included
Delivery in 45 days
₹1,00,000 advance

API Wrappers Only

₹1,50,000 + Taxes

Ready-to-use Finnsys API wrappers
KYC & NSE Invest integration
Technical documentation & support

Annual Charges (Post-Launch)

Option A – Standard Operations

Finnsys API + Web Interface
Automated data sync & reporting
Client App updates & store handling

Finnsys API + Web: ₹30,000 / year + taxes
App Management: ₹50,000 / year

Total: ₹80,000 / year + taxes

Option B – Advanced Operations (Recommended)

Everything in Option A
Admin Mobile App – Finnsys NEO
On-the-go approvals & broadcasting

Finnsys API + Web + Admin App: ₹40,000 / year + taxes
App Management: ₹50,000 / year

Total: ₹90,000 / year + taxes

Ready to Launch Your Own MF App?

Own your technology. Control your growth.

Book a Consultation

Frequently Asked Questions

Who owns the app and data?

You own the app, branding, users and data. We do not reuse or resell your workflows.

Is Zoho CRM mandatory?

No. Zoho CRM is optional and can be integrated later.

Do you manage App Store & Play Store?

Yes, under the App Management plan.

Is there any vendor lock-in?

No. APIs, commercials and responsibilities are contract-driven and transparent.

Monthly Fund Monitor Report - 1st Feb 2025

Tue, 28 Jan 2025 19:02:57 +0530

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A : Equity

Fee disclosure Norms wef 1st October '24 - in PMS

Wed, 17 Jul 2024 19:07:02 +0530

PMS ( Portfolio Management Services) - Key changes in fee disclosures

Capital markets regulator Securities and Exchange Board of India (SEBI) has brought in some changes related to commission disclosures, in case of PMS products, which will be applicable from October 1, 2024.

These are some of the key changes :

A. While onboarding a client, a portfolio manager will ensure that the client has understood the fee structure and charges. The new client has to separately sign the annexure on fees and charges and add a note that they have understood the fee details in the following manner:

Handwritten
Typed using a keyboard or written electronically using fingers/pen in case the client is onboarded through digital mode.

As per new SEBI regulations, the portfolio managers has to provide a fee calculation tool to all clients that highlights various fee options with multi-year fee calculations. The fee calculation tool should incorporate the high-watermark principle wherever applicable. The link to access the said tool will be provided in advance to all new clients onboarded on or after October 1, 2024, by the PMS providers

Additional fee disclosures

In partial modification to the master circular, whenever performance fees are charged to the client, the annexure for fees and charges to the portfolio management service-client agreement will also contain the following additional fee disclosure:

One-year and multi-year fee illustrations that cover different scenarios i.e., increase in the portfolio value by a certain percentage, decrease in the portfolio value by a certain percentage and when the portfolio value remains unchanged.
To facilitate ease of understanding of the critical aspects of the portfolio manager-client relationship, the portfolio manager will additionally provide to its client a ‘most important terms and conditions’ document which should be duly acknowledged by the client.

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FAQ

Q. Where can I track the performance of all India PMS providers ?

Answer :

https://www.apmiindia.org/apmi/welcomeiaperformance.htm?action=PMSmenu

Q : What is high-watermark principle ?

Answer : A high-water mark is the minimum level that a fund manager needs to achieve to receive a performance bonus. The high-water mark clause protects investors by avoiding paying the performance fee for the same part of return when an investment fund or account recovers from the previous loss.

Q : Can you show an example of high-watermark principle in practical terms ?

Answer :

Let’s assume an investment fund charges a 2% management fee and a 20% performance fee annually, which are typical industry rates. An investor invested $100,000 into the fund, which generated a return of 10% in Year 1, -3% in Year 2, and 20% in Year 3.

In the first scenario, there is no high-water mark clause for the performance fee. For Year 1, the management fee is $2,000 (2% * $100,000), and the performance fee is also $2,000 [($100,000 * 10% * 20%]. The AUM at the end of Year 1 is $106,000 ($110,000 – $4,000), which gives the investor a net return of 6%.

For Year 2, since the fund experienced a loss, there is no performance fee, but a management fee of $2,120 (2% * $106,000) is still charged, which gives an ending value of the fund worth $100,700 [$106,000 * (1-3%) – $2120].

For Year 3, the value of the fund reaches $120,840 [$100,700 * (1+20%)] before the management fee. After paying a management fee of $2,417 and a performance fee of $4,028 [($120,840 – $100,700) * 20%], the investor’s net return for this year is 13.6% [($120,840 – $100,700 – $2,417 – $4,028) / $100,700].

In the second scenario, let’s assume that the high-water mark limits the performance fee. The management fees are not impacted by this clause, and the performance fees for the first two years remain the same as the first scenario.

The fund reaches a high-water market of $110,000 ($10,000 * 10%) at the end of Year 1, which limits the third-year performance fee to the return above this level, which is $10,840 ($120,840 – $110,000). For Year 3 the performance fee is $2,168 ($10,840 * 20%), and the investor’s net return is 15.4% [($120,840 – $2,417 – $2,168 – $100,700) / $100,700].

Comparing the two scenarios, the high-water mark prevents the investor from paying for the $9,300 return again in Year 3, which was achieved and charged in Year 1 but partially lost in Year 2. The investor, who is protected by a high-water mark, will be able to pay a lower amount of performance fee and earn a higher net return.

Article source : SEBI Regulatory announcement

Article Editorial : Abhinesh Kumar, Business Coach and Mentor, ARM Fintech Consultants (P) Ltd

E mail : admin@armfintech.com | Helpline : 90-1521-1521

Get Started Now

Getting Started with your ZOHO Set Up

Sun, 14 Jul 2024 07:58:43 +0530

Step 1 : Think about the modules in your Business

Leads

Clients

Associates

Vendors( AMC , RTA etc)

Task

Deals/ Transactions

Meetings/ Appointments

All Staff E mails / Desk

Proposals

Marketing : Survey, Feedback, Campaign - Whatsapp or E mail or Social Media, Blogs, Videos

Step 2 : Create your Pain Area and Automation requirement in each of these modules

Leads :

You will import all bulk leads and then keep adding to your references or any prospect in the lead section
Must have an automation of sending an introductory whatsapp or E mail or both at the time of addition
Automatic task should be created to follow up on the lead - 5 days, 15 days and then 3 months and then 6 months and then 1 year etc till when it gets converted or gets into junk
As a staff you want to see the leads mapped to you
As an admin you need to see the report of total lead vs converted leads, junk leads, pending leads etc
You have to decide at which stage you will move a lead to client section

Clients

You will import all existing clients from your MF Software or you can fetch through API
You will choose an unique identifier to know that these are converted clients
You will choose the unique identifier to know that these are yet to be converted clients ( under progress)
Must have an automation of sending a welcome message/mail on 5th day then training message on 30th day, then review reminder on 90 days etc
Automatic task should be created to follow up on 3 months, 1 year , birthday etc
As a staff you want to see the customers mapped to you
As an admin you need to see the report of total customers vs active customers, dormant customers etc

Task

You should get into a habit of assigning task to any of your staff through ZOHIO task management
You should get into habit of creating task for yourself also
You should check total task status - pending, completed etc

Deals/ Transactions

You should create Deal for every thing - unit sell or Unit repurchase
You should record the discussion on every deal

Meetings/ Appointments

You should create meeting link for every online discussion with customer for a recorded discussions
You may share the recording links with your customer

All Staff E mails / Desk

Create a single E mail ID and map in ZOHO
Manage all your E mails at one place
Assign auto or manually the tickets to each RMs or support executives

Marketing : Survey, Feedback, Campaign - Whatsapp or E mail or Social Media, Blogs, Videos

Create Zoho Campaign page
Create Zoho Sites
Create Zoho Blogs

Step 3 : Fill up our survey Questions and send us to get your Set up ready !

Marketing : Survey, Feedback, Campaign - Whatsapp or E mail or Social Media, Blogs, Videos

https://survey.zohopublic.com/zs/K5Clo3

FAQs on ZOHO Set up : https://www.armfintech.in/blogs/post/zoho-set-up-services

ZOHO Set Up & Integration Services

Sun, 14 Jul 2024 05:52:41 +0530

FAQ about ZOHO CRM and our Set Up Services/ Training Services

Q : How do I get Started with Zoho CRM ?

Zoho CRM is one of the application of Zoho One ! You need to subscribe for Zoho One and then start activating the applications you need like- ZOHO CRM for all your clients, Sales, task and deals management; ZOHO DESK for all your E mail management , ZOHO Meetings for all your Online meetings ; ZOHO Bookings for managing your training calendars etc. You can Start ZOHO One subscription with 30 days Trial version and can take our paid services to get it arranged according to your business need - approximate Rs 25000/- for one time set up

Q : What kind of Set Up Services do you provide ?

We provide a total of around six ( 6 ) sessions to provide you complete set up. In our first session we connect with you and explain all the available apps of ZOHO and decide upon the key applications you want to use. Then we start the Set up process in terms of - Modules creation, Work flow creations, E mail Templates creation , Whatsapp Template creation and Whatsapp Integration ( WATI).

Q : How do I get my team trainings ?

During our initial set up process you can involve your team for basic understanding of the ZOHO as a CRM. IN case you enquire more trainings then please let us know about the same, we will discuss the modalities.

Q : Is ZOHO meant for all type of Business? Do you provide set up and trainings for all type of Businesses ?

Yes, ZOHO is meant for all type of business. We provide Set up and training facilities for Mutual Funds and Financial Product distributors only

Q : Does it cover all my Due Diligence (DDQ) requirements as a Mutual Fund Distributor ?

Yes, our ZOHO One Set up covers up all your Due Diligence requirements from Front end to Back end

Q : Can I integrate my existing MF Software like - Finnsys, Investwell, redvision etc into ZOHO ?

Yes, you can integrate your existing Mutual Fund Software into ZOHO by way of API. We charge around Rs 1.5 Lakhs for one time set up and integration of such APIs. However you can easily work in ZOHO without integration also through manual import of datas from your existing MF Software.

Q : What is the approximate subscription charges for ZOHO One ?

Its around Rs 2500 plus taxes on monthly subscription and may be Rs 1800 pm if paid annually. Please check the pricing at : https://www.zoho.com/one/pricing/

Q : How do I know what's the right edition for me?

Enterprise edition is the best for any Mutual Fund Distributor

Q : Are you a ZOHO affiliated Franchise or Distributor ?

No. Nor me nor my company is associated with Zoho in any ways. I am a Mutual Fund Coach and DDQ expert. I just train people in terms of proper set up and provide my handholding in terms of using ZOHO CRM effectively. My service charges are independent and optional . Please take this short survey to check our service charges : https://www.armfintech.in/blogs/post/getting-started-with

Q : How can I leave ZOHO ?

You are not bound by any contracts or commitments. Zoho CRM is a pay-as-you-go service (monthly or yearly), so you can make changes to your plan whenever you need to, and upgrade or downgrade at will.

Q : How can I reach you ?

You can show your intent to get our full services related to ZOHO Set Up, Whatsapp integration and team trainings at : abhinesh.k@icloud.com or simply send a Whatsapp message “ Hi, I am interested in Zoho Set Up’ at : 83187 92030

Visit our website for more product details : https://www.armfintech.i

Newsletter Sample - Month Ending Apr' 2024

Mon, 06 May 2024 13:57:03 +0530

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Simply fill-in the Trial Registration form - our creative Manager will call you back and start your set-up !

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Join for DDQ training session

Wed, 28 Feb 2024 11:37:33 +0530

What is the importance of DDQ in MFD business ?

As per SEBI circular No. Cir/IMD/DF/13/2011 dated August 22, 2011, the Asset Management Companies (AMCs) are required to conduct due diligence in respect of mutual fund distributors (MFDs) . In this regard, AMFI has been organising unified due diligence of MFDs on behalf of participating AMCs by engaging the services of professional Chartered Accountants / consultancy firms, so as to avoid duplication of efforts by multiple AMCs and to ensure process efficiency. All distributors identified by AMFI on the basis of the aforesaid criteria, are required to undergo a unified due diligence.

Currently , DDQ is compulsory for those MFDs who meet any of the following criteria, in order to regulate the distributors:

a. AUM raised over ₹100 crore across the industry in the non-institutional category but including high net-worth individuals.

b. Commissionreceivedofover₹1croreduringtheyearacrosstheindustry. c. Commission received of over ₹50 lakh from a single mutual fund.

d. Multiple point presence in more than 20 locations.

However it is recommended for all MFDs to strengthen their business and grow it bigger and better !

Session Joining Link

See you on 1st Jan 2024 at Kanpur

Tue, 30 Jan 2024 21:39:12 +0530

FFF ( Financial Freedom Fraternity) Professional Meet, kanpur

Do come, interact and learn all about your MFD business. Join us at 10 am at Hotel Vijay Continental, Kanpur for whole day power packed knowledge sessions