Mint by Investwell — API integration & OpenData services
Authorized portfolio sync, NAV feeds and SIP/transaction history APIs for MFDs, RIAs, family offices and fintech dashboards in India
Connect Mint by Investwell portfolios, NAV feeds and SIP transactions to your stack — under SEBI, AMFI and RBI guardrails
Mint by Investwell, built by Excel Net Solutions Pvt Ltd, is the investor-facing companion to a wealth platform trusted by 4,700+ MFDs across 70+ Indian cities, with 80 lakh+ investors and platform AUM exceeding ₹6 lakh crore. We deliver authorized API integrations for the structured data the app exposes — folio holdings, NAV graphs, scheme fact-sheets, SIP/lumpsum transactions, calculator outputs and portfolio valuations — so finance teams, accounting tools, dashboards and partner fintechs can consume the data they actually need.
Feature modules — what we build for Mint by Investwell
Portfolio & folio API
Read-only sync of investor folios across AMCs: scheme code, folio number, units, purchase NAV, current NAV, market value, unrealised gains and XIRR. Used by family-office dashboards and CA back-offices for client review meetings.
NAV history & fact-sheet API
Daily NAV time-series, scheme classification, AUM, exit-load schedule, expense ratio and top holdings. Used by analytics tools that need to score scheme performance against benchmarks like Nifty 50 TRI.
SIP & transaction history
Subscription, redemption, switch, SIP and SWP history with date-range and folio filters. Used for reconciliation, capital-gains computation and tax-harvesting workflows.
CAS-based onboarding
Authorized parsing of CAMS/KFintech Consolidated Account Statements (PDF) so users can import legacy folios held outside Mint, mapped to the same schema as live folios.
Calculator & goal data
SIP, lumpsum, retirement and goal-planning calculator inputs and outputs as JSON, so partner apps can keep one set of numbers across web and mobile surfaces.
Advisor authorization mirror
Mint enables portfolio access only after a registered advisor / distributor turns it on. Our integration honours that model: every API call is bound to an advisor-issued consent, with revocation hooks.
Data available for integration (OpenData inventory)
Below is a structured view of the data the app holds and how each item typically maps into a downstream OpenData / OpenFinance use case. Granularity reflects what is observable in the Mint client surface and the supporting wealth platform.
| Data type | Source (screen / feature) | Granularity | Typical downstream use |
|---|---|---|---|
| Folio & holdings | Portfolio > My Investments | Per folio, per scheme, per unit-balance | Wealth dashboard, family-office consolidation, CA back-office |
| Daily NAV & performance | Scheme detail > NAV graph | Per scheme, per day (1Y/3Y/5Y/since inception) | Analytics, fund comparison tools, robo-advisory scoring |
| Transaction history | Statements & SIP register | Per transaction (purchase / redeem / switch / SIP / SWP) | Reconciliation, capital-gains reports, tax filing |
| Fund objective & holdings | Fact-sheet view | Per scheme — sectoral and instrument breakdown | Risk analytics, ESG scoring, suitability checks |
| SIP / goal plans | Calculators & goal module | Per goal — target, tenure, expected return | Goal-tracking apps, retirement planners |
| KYC / advisor-investor link | Advisor onboarding flow | PAN-anchored, advisor-scoped | Compliance, audit trail, distribution reporting |
| Performance comparisons | Compare schemes | Up to N schemes side-by-side | Marketplace pages, advisor pitch decks |
Where direct app-side data is restricted to the advisor-distributor consent model, we complement it with public AMFI NAV feeds, BSE StarMF / NSE NMF II execution APIs and CAS PDFs, so the integration remains lawful and reproducible.
Typical integration scenarios
1. MFD back-office reconciliation
Context: A mutual fund distributor with 5,000+ active investors uses Mint by Investwell for client-facing reporting but runs accounting in Tally / Zoho Books.
Data: Folio holdings, SIP register and transaction history pulled via authorized API; nightly delta sync into the accounting ledger.
OpenFinance angle: The pipeline mirrors the Account Aggregator pattern — consent-bound, audit-logged, with a clear scope (folios + transactions only).
2. Family-office consolidation across Mint, Groww, Kuvera
Context: A high-net-worth investor holds folios across Mint by Investwell (advisor-led), Groww and Kuvera (direct).
Data: Mint API for advisor-scoped folios, plus CAMS/KFintech CAS for direct folios, normalised into a unified schema (ISIN + folio + units + NAV + market value).
OpenData angle: A single XIRR view across providers without depending on any one app's UI.
3. Robo-advisory rebalancing engine
Context: A fintech platform offers model portfolios and needs daily NAV + folio data to trigger rebalances.
Data: NAV feed (daily) + per-investor folio snapshots + SIP plan metadata; outputs go to BSE StarMF transaction APIs for execution.
OpenFinance angle: Read-side via Mint integration, write-side via SEBI-permitted exchange rails.
4. Capital-gains & tax-filing exports
Context: Tax-season exports for CAs and individuals — short-term and long-term capital gains by scheme and folio.
Data: Transaction history with grandfathered NAV (31 Jan 2018 reference) and indexation logic for debt funds, exported to JSON, Excel and PDF formats.
OpenData angle: Eliminates manual CAS PDF parsing for users who already have an advisor relationship.
5. White-label MFD apps that embed Mint data
Context: Investwell already builds white-label iOS/Android apps for MFDs; some distributors want to embed Mint-flavoured data into their own brand experience.
Data: Folio + NAV + transaction APIs surfaced through a partner gateway with branded responses, rate-limiting and per-distributor quotas.
OpenData angle: Treats Mint as a data plane, while branding and UX live with the distributor.
Technical implementation — pseudo-code & API snippets
Authorize an advisor-scoped session
POST /api/v1/investwell/auth/login
Content-Type: application/json
{
"advisor_code": "IW-RIA-00421",
"client_id": "CL-0098123",
"consent_id": "AA-CONSENT-7f2b...",
"scopes": ["portfolio.read", "transactions.read", "nav.read"]
}
200 OK
{
"access_token": "eyJhbGciOi...",
"refresh_token": "rt_4f...",
"expires_in": 3600,
"consent_status": "ACTIVE",
"expires_on": "2026-10-31T23:59:59+05:30"
}
Fetch portfolio & folio holdings
GET /api/v1/investwell/portfolio?as_of=2026-04-28
Authorization: Bearer <ACCESS_TOKEN>
200 OK
{
"client_id": "CL-0098123",
"as_of": "2026-04-28",
"summary": {
"invested": 1845000.00,
"market_value": 2367412.55,
"xirr_pct": 14.62
},
"folios": [
{
"amc": "HDFC Mutual Fund",
"scheme_code": "118989",
"folio": "55556677/01",
"units": 1248.331,
"nav": 156.3421,
"market_value": 195188.21,
"category": "Equity - Flexi Cap"
}
]
}
Pull SIP / transaction history
POST /api/v1/investwell/transactions
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json
{
"client_id": "CL-0098123",
"from_date": "2025-04-01",
"to_date": "2026-03-31",
"types": ["PURCHASE","SIP","REDEEM","SWITCH"],
"page": 1,
"page_size": 100
}
200 OK
{
"page": 1,
"total": 412,
"transactions": [
{
"txn_id": "BSE-9881172",
"type": "SIP",
"amount": 5000.00,
"units": 32.4117,
"nav": 154.21,
"date": "2025-09-02",
"scheme_code": "118989"
}
]
}
Webhook: SIP processed / NAV refreshed
POST https://your-app.example.com/webhooks/iw
X-IW-Signature: t=1714281600,v1=8b1e...
{
"event": "sip.processed",
"client_id": "CL-0098123",
"scheme_code": "118989",
"txn_id": "BSE-9881172",
"status": "ALLOTTED",
"units": 32.4117,
"nav": 154.21
}
// 5xx triggers exponential retry up to 24h
// HMAC-SHA256 signature; replay window 5 min
Compliance & privacy
SEBI & AMFI alignment
Execution-side integrations follow the SEBI circular CIR/MRD/DSA/32/2013, which allows AMFI-registered Mutual Fund Distributors to use BSE and NSE infrastructure to transact on behalf of clients. Pay-in / pay-out flows do not pass through the distributor — funds settle through ICCL and units are credited directly to the investor's demat or folio.
RBI Account Aggregator (AA) framework
For consent-bound consolidation use cases, we model the read-side after the RBI Account Aggregator framework: explicit consent artefact, scoped data fetch, time-bound expiry, revocation hook and audit trail. Mint's advisor-enabled access already follows the spirit of this model.
India DPDP Act 2023
Personal data (PAN, KYC, bank details, holdings) is handled under the Digital Personal Data Protection Act, 2023. We deliver data-minimised payloads, configurable retention, and on-prem or in-region storage options for clients with stricter posture requirements.
Data minimisation & consent
API calls are scoped per-consent (e.g. "transactions.read for FY 2025-26 only"). Where the client wants only XIRR or only allocation, the integration trims fields server-side rather than relying on the consumer to discard sensitive content.
Data flow / architecture
A typical Mint by Investwell integration moves data through four nodes:
- Source plane — Mint by Investwell client, the Investwell wealth back-office, AMFI NAV feeds, BSE StarMF / NSE NMF II APIs, and CAMS/KFintech CAS PDFs.
- Ingestion / API gateway — Authorized fetchers, CAS parser, OAuth/consent broker, schema normaliser (ISIN, folio, scheme code) and rate-limited proxy.
- Storage — Time-series NAV store, transactional folio store, append-only consent & audit log.
- Output plane — REST/JSON APIs, webhooks, scheduled Excel/PDF exports, and direct sinks into accounting (Tally, Zoho Books) or BI tools (Metabase, Looker).
Each hop is logged with consent ID, requester, scope and result, so an auditor can replay any client-data event.
Market positioning & user profile
Mint by Investwell is a B2B2C app — the first "B" is the wealth platform (Investwell, an Excel Net Solutions product), the second "B" is the registered Mutual Fund Distributor / RIA / family office, and the "C" is the retail investor whose folios they manage. The platform reports 4,700+ MFDs, 80 lakh+ investors and ₹6 lakh crore+ AUM across 70+ Indian cities. Users skew toward advisor-led investors who want one app to view holdings, NAV graphs, fact-sheets and to transact when their distributor enables it. The app ships on Android and iOS; integration consumers we serve are typically distributors expanding to white-label apps, family offices consolidating across providers, and fintech platforms building robo-advisory or tax-filing layers on top of Indian mutual fund data.
Screenshots
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Similar apps & integration landscape
Mint by Investwell sits inside a busy Indian mutual fund and portfolio-tracking ecosystem. The apps below are part of the same landscape. We list them not to rank or compare, but because investors and distributors typically span several of them, and unified API integrations across these endpoints are a recurring request.
Groww
Direct mutual fund investing app with 100% direct plans across 40+ AMCs. Users who also work with Groww often need consolidated XIRR across Mint advisor folios and Groww direct folios.
Zerodha Coin
Direct mutual fund platform tied to a Zerodha demat account. Integration requests usually focus on consolidating demat-held units alongside Mint's folio-held units.
Paytm Money
Mutual funds, NPS and equities under one wrapper. Common ask: align Paytm Money order books with advisor-led Mint reports for unified compliance reporting.
Kuvera
Goal-based, single-view investment dashboard. Distributors comparing client behaviour across Kuvera and Mint use a shared schema for goals, SIPs and asset allocation.
AssetPlus
MFD-focused platform with goal, tax and retirement planning. Falls into the same B2B2C bucket as Mint and shares many integration patterns.
MProfit
Multi-asset portfolio tracker for investors, CAs and advisors, with broker contract-note imports and CAS parsing — natural counterpart to a Mint sync pipeline.
Value Research Online
Free portfolio tracker with deep mutual fund research. Many advisors mirror Value Research data alongside Mint folios for performance attribution.
INDmoney
Tracks mutual funds, stocks, US equities, EPF and more. Cross-app integrations frequently combine INDmoney's wide coverage with Mint's advisor-grade detail.
Fisdom
Mutual fund investing and advisory app, often white-labelled by banks. Shares a large slice of the BSE StarMF / NSE NMF II rails with Mint.
My Portfolio (whoopee)
Multi-asset tracker covering MFs, stocks, PPF, NSC, FDs and SGBs. A common counterpart for users who want a non-advisor-locked second view on top of their Mint folios.
What we deliver
Deliverables checklist
- API specification (OpenAPI 3.1 / Swagger) covering portfolio, transactions, NAV, calculators and webhooks
- Protocol & auth flow report (advisor consent, OAuth, session refresh, error matrix)
- Runnable source for portfolio sync, transaction history and CAS parsing (Python & Node.js reference clients)
- Automated tests, sandbox fixtures and Postman / Insomnia collections
- Compliance guidance — SEBI / AMFI / DPDP / AA-pattern checklist tailored to your scope
- Optional hosted gateway with rate-limiting, audit log and per-consent quota
Engagement models
- Source code delivery from $300 — runnable API source code and full documentation; pay after delivery upon satisfaction.
- Pay-per-call API billing — call our hosted endpoints and pay only for what you use, no upfront fee; ideal for teams that prefer usage-based pricing.
- Optional NDA, source escrow and on-prem deployment for regulated customers.
Stack & SDKs
Reference implementations in Python (FastAPI, Pydantic), Node.js (NestJS, Zod) and Go. Background processing on Celery / BullMQ; storage on Postgres + TimescaleDB for NAV time-series; observability via OpenTelemetry. CAS parsing layered on top of casparser with our own normaliser for Mint-aligned schemas.
About our studio
We are an independent technical studio focused on App interface integration and authorized API integration. The team has spent years on mobile applications and fintech — protocol analysis, interface refactoring, OpenData integration, third-party interface integration, automated data scripting and interface documentation. For Indian wealth-tech, we bring practical experience with BSE StarMF, NSE NMF II, AMFI NAV feeds, CAMS/KFintech CAS, the RBI Account Aggregator pattern and the DPDP Act 2023.
- Authorized API integration for wealth, banking, payments and insurance apps
- End-to-end pipeline: protocol analysis → API design → build → validation → compliance review
- White-label capable — your brand, our data plane
- Two engagement models: source-code delivery from $300, or pay-per-call hosted APIs
- Marketed to overseas clients, comfortable with cross-border data residency and consent constraints
Engagement workflow
- Scope confirmation — which Mint by Investwell data and scenarios you actually need (portfolio, transactions, NAV, calculators, CAS).
- Protocol analysis & API design (2–5 business days, complexity-dependent).
- Build & internal validation against sandbox data (3–8 business days).
- Docs, samples, Postman collections and test cases (1–2 business days).
- Typical first delivery 5–15 business days; third-party approvals (BSE / NSE / AMC) may extend timelines.
FAQ
What do you need from us?
How long does delivery take?
How do you handle compliance?
Do you support pay-per-call?
Contact
Ready to scope a Mint by Investwell integration, or want to discuss a wider Indian mutual fund OpenData rollout? Send us your target apps and the scenarios you need to support.
📱 Original app overview — Mint by Investwell (appendix)
Mint by Investwell is published by Excel Net Solutions Pvt Ltd, a long-time builder of wealth-management applications in India. The app provides information about Mutual Fund Schemes in India and is positioned as the investor-facing companion to Investwell's broader platform for Mutual Fund Distributors (MFDs), IFAs and RIAs.
- Fact sheets for Indian mutual fund schemes — fund objective, features, return performance, holdings and NAV graph.
- Performance comparison of schemes by return.
- Financial calculators for SIP, lumpsum, retirement and other goal scenarios.
- Online portfolio access and transactions, enabled by the user's advisor or distributor (investors must contact their advisor to turn this on).
- Wealth Advisors and Distributors are encouraged to register with InvestWell to enable portfolio access for their clients (sales@investwellonline.com).
- More information about Excel Net Solutions Pvt Ltd is available at investwellonline.com.
Disclaimer (from the publisher): Mutual Fund Investments are subject to market risks. Read all scheme-related documents carefully. Although due care has been taken, the publisher does not guarantee accuracy, completeness and authenticity of information. The app is a utility and shall not be construed as investment advice. The publisher is not responsible for any discrepancies in any case whatsoever and makes no representations or warranties (express or implied) as to reliability, accuracy or completeness of information. InvestWell cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken on, any information appearing in the mobile app or website. Investors are advised to take expert advice before taking any decision and may refer to respective AMC websites for more details.