December 13, 2025
How to Build a Mutual Fund App (Web & Mobile)
A practical guide to building a modern mutual fund app — covering onboarding, transactions, compliance, APIs, and faster go-to-market using white-label infrastructure.
Introduction
Building a mutual fund app today is no longer about just transactions. Investors expect fast onboarding, real-time portfolios, seamless SIPs, and mobile-first experiences — all while staying SEBI compliant.
This guide explains how to build a mutual fund app (web & mobile), the components involved, and how modern fintech teams launch faster without building everything from scratch.
Core Components of a Mutual Fund App
A production-ready mutual fund app typically includes:
1. Digital Onboarding & KYC
- PAN verification
- Aadhaar OTP + eSign KYC (for residents)
- NRI onboarding support
- Bank account verification
- Nominee capture
Fast, paperless onboarding directly impacts conversion.
2. Mutual Fund Transactions
Your app must support core MF operations:
- Lumpsum purchases
- SIPs (daily / monthly)
- SIP pause, resume, modify, cancel
- Redemptions (partial / full)
- Switch, STP, SWP (advanced flows)
These require a reliable transaction engine connected to RTAs or ONDC.
3. Portfolio & Reporting
Investors expect clarity and transparency:
- Holdings & valuation
- Capital gains reports
- Transaction history
- Scheme-wise and category views
Accurate reporting builds trust and retention.
4. Payments & Mandates
- UPI & netbanking
- SIP mandate registration
- Secure payment gateways
- Real-time payment status tracking
5. Compliance & Security
- SEBI-aligned workflows
- Investor consent for assisted transactions
- Data encryption & audit trails
- Role-based access for distributors
Compliance is not optional — it must be built-in.
Web vs Mobile App — What Should You Build?
Most platforms today launch both:
- Web App → dashboards, reports, distributors, power users
- Mobile App → investors, SIPs, notifications, daily usage
White-label platforms allow you to launch both from a single backend.
Build From Scratch vs White-Label Infrastructure
Approach | Time | Cost | Risk |
Custom Development | 9–12 months | Very High | High |
White-Label Platform | Weeks | Predictable | Low |
Modern fintechs prefer white-label mutual fund app development, focusing on UX and distribution while infrastructure handles complexity.
How MFStack Simplifies Mutual Fund App Development
MFStack provides:
- Ready investor & distributor apps (web + mobile)
- Built-in onboarding, transactions, reporting
- White-label branding
- SDKs & embeddable workflows
- Integration with Fintech Primitives for MF APIs
This lets teams launch mutual fund apps in days, not months.
Who Should Build a Mutual Fund App?
- Independent distributors
- Wealth management firms
- Fintech startups
- AMCs & platforms
- ONDC buyer apps
If mutual funds are part of your offering, owning the app experience is a strategic advantage.
Conclusion
Mutual fund app development is no longer a heavy engineering problem. With the right infrastructure, teams can launch compliant, scalable, investor-friendly apps quickly.
The real differentiator today is speed, UX, and trust — not rebuilding the same backend again.
Next up: cost breakdowns, tech stack choices, and ONDC-based mutual fund app development.