Every folio. Every NAV.
One unified portfolio.
FinIQ pulls brokerage, transaction and SIP/STP data straight from CAMS and Karvy, then serves it back through role-based Admin, Distributor and Investor portals — with automated FIFO capital gains and brokerage, so nothing gets reconciled by hand.
Most MFDs are still reconciling two RTAs by hand
CAMS and Karvy each speak their own format. By the time brokerage, holdings and tax numbers are stitched together in a spreadsheet, the data is already a cycle old.
Two RTAs, zero single view
CAMS and Karvy each send brokerage, transaction and SIP files in their own format, with nothing tying the two together.
Brokerage is a spreadsheet exercise
Commission slabs differ by AMC, scheme and sub-broker, so most distributors still recalculate earnings by hand every month.
Capital gains is a year-end scramble
Without FIFO-matched lot tracking, STCG and LTCG numbers get assembled manually right before tax season.
SIPs and STPs go untracked
Once registered, systematic transactions disappear into RTA back-end systems until an installment quietly fails.
No tenant-safe hierarchy
Sub-broker structures and client mappings live in someone's memory, not in a system with real access controls.
Investors get a PDF, not a portal
End clients receive a CAMS or Karvy statement PDF instead of a live, explorable view of their own money.
Three portals, one connected platform
Every login sees exactly the slice of FinIQ that's built for them.
Run the whole tenant base
For super-admins managing global configuration and the data pipeline itself.
- Tenant & global configuration management
- CAMS/Karvy ingestion & scraping engine oversight
- Sub-broker & ARN management
Run a book of clients
For mutual fund distributors managing clients, earnings and hierarchy.
- Client list mapped to RTA folios, holdings & allocation
- Brokerage, earnings ledger & commission tracking
- SIP/STP tracking plus Ledger & Hierarchy reports
See your own money
For the end investor checking on their own portfolio, any time.
- Unified portfolio across every CAMS/Karvy folio
- Capital gains & transaction report downloads
- Full access to the shared financial calculators suite
Five layers, one continuous pipeline
Every transaction travels the same path — from an RTA file to a number an investor can trust. Click a layer to open it.
RTA Data Ingestion
CAMS and Karvy deliver brokerage, investor-static, transaction, scheme and SIP/STP files, parsed by dedicated upload services for each RTA.
Investor & Folio Mapping
investor-mapping.service links every incoming Folio/PAN to a user profile, while CAMS and Karvy records are normalized into one broker-transaction standard.
NAV & Holdings Engine
The scraping engine keeps daily NAV current, and holdings-cache.service walks each investor's transactions against today's price to produce a live portfolio value.
Tax & Brokerage Engine
tax-calculation.service runs FIFO capital-gains matching on every redemption, while commission-mapping.entity works out exactly what each distributor earned.
Portal Delivery & Reporting
Role-guarded NestJS APIs and Next.js middleware serve dashboards, ledgers, capital-gains statements and calculator results — paginated and tenant-isolated by default.
12 modules. Every one of them interactive below.
Pick a module on the left — each panel includes the real feature list and a live sample of how it behaves.
Authentication & Access Control
Multi-role JWT auth with OTP verification and strict tenant/role route guards, so each portal only ever sees what its role allows.
- Email/password login + OTP verification flow
- JWT-based session management per role
- Tenant- & role-based route guards (middleware + NestJS RoleGuard)
- Password reset & profile management
Try it — switch roles
CAMS Data Ingestion
Automated processing of CAMS brokerage data, investor static details, transactions, scheme details and SIP/STP details — validated before any of it touches the database.
- Parses CAMS brokerage, investor & transaction files (DBF/CSV/Excel)
- Validates folio numbers & ARNs against company records
- Logs unparseable files for review instead of failing silently
CAMS upload workflow
- Receive CAMS file
- Parse brokerage / investor / transaction records
- Validate folio & ARN
- Normalize to broker-transaction model
- Store & queue investor mapping
- Notify on completion
Karvy Ingestion & Transaction Normalization
Runs the same pipeline in parallel for Karvy, then unifies both RTAs into one broker-transaction standard so the frontend never has to know which RTA a record came from.
- Parallel parsing of Karvy brokerage, scheme & transaction files
- Karvy transaction-type codes mapped to CAMS-equivalent codes
- Single unified transaction shape served to every portal
Same purchase, three representations — click a format
CAMS field names, as received from the RTA file.
NAV Scraping Engine
A dedicated module fetches live and historical NAV for every scheme, so holdings, returns and capital gains always have a reliable daily price to work from.
- Daily NAV scrape across AMCs & schemes
- Cached latest-NAV lookups for instant holdings & calculator screens
- Manual refresh trigger with per-scheme failure logging
HDFC Flexi Cap Fund — Growth, sample NAV
Holdings Engine
Calculates what every investor actually owns right now, by walking each transaction against the latest NAV and caching the result so dashboards never recompute it from scratch.
- Real-time holdings value per folio & scheme
- holdings-cache.service refresh on new transactions or NAV updates
- Powers GlobalStatsRibbon, MobileHoldings & DesktopFundTable
Sample investor holdings snapshot
Capital Gains & Tax Engine
Matches every sold unit back to its original purchase lot on a FIFO basis, then applies the right short- or long-term rule before a single tax report goes out.
- FIFO lot-matching on every redemption (capital-gains-tax-rule.entity)
- Automatic STCG / LTCG classification by holding period
- Exportable capital gains statements per investor, per financial year
FY 2025–26 sample summary
Gains by fund (FIFO-matched)
Brokerage & Earnings Ledger
Calculates exactly what a distributor earned on every transaction, using AMC- and scheme-specific commission slabs, rolled into a ledger they can audit line by line.
- commission-mapping.entity slabs by AMC, scheme & sub-broker
- Brokerage ledger table per transaction, per client
- Monthly & AUM-based earnings summaries
This month, at a glance
Ledger sample
| Client | Scheme | Txn | Brokerage % | Earned |
|---|---|---|---|---|
| Rohan Mehta | HDFC Flexi Cap | SIP | 0.80% | ₹40.00 |
| Aisha Khan | ICICI Pru Bluechip | Purchase | 1.00% | ₹1,250.00 |
| Vikram Shah | SBI Small Cap | SIP | 0.75% | ₹187.50 |
| Neha Joshi | Axis Bluechip | STP-in | 0.60% | ₹90.00 |
Systematic Transactions (SIP/STP)
Tracks every active and closed SIP and STP from registration to the last installment, so a missed payment or a paused plan never goes unnoticed.
- Active / closed SIP & STP tracking across CAMS and Karvy
- Installment-level status & next-due tracking
- Feeds Distributor and Investor systematic-transaction reports
Filter by status
| Type | Investor | Scheme | Amount | |
|---|---|---|---|---|
| SIP | Rohan Mehta | HDFC Flexi Cap | ₹5,000/mo | Active |
| STP | Aisha Khan | ICICI Liquid → Bluechip | ₹10,000/mo | Active |
| SIP | Vikram Shah | SBI Small Cap | ₹2,500/mo | Paused |
| SIP | Neha Joshi | Axis Bluechip | ₹7,500/mo | Closed |
| STP | Karan Verma | Mirae Tax Saver → Large Cap | ₹15,000/mo | Active |
Financial Calculators Suite
Six fully interactive planning tools, shared by both the Distributor and Investor portals — a client conversation becomes a number on screen in seconds.
- Fixed Deposit, Goal Planning, MF Returns, Reverse EMI, STP & SWP
- One shared component library, used by both portals
- Every calculation runs client-side, instantly, as you move a slider
Try a calculator
Clients & Hierarchy Management
A CRM-lite view mapped straight to RTA folios — every client, their asset allocation, and where they sit in the sub-broker hierarchy, in one screen.
- Client list mapped to folios via investor-mapping.service
- Asset allocation / fund style box per client
- Sub-broker hierarchy & AUM-based filtering
Sub-broker hierarchy
Clients by AUM
Notification System
Sends an alert the moment something needs attention — a SIP due, a capital-gains report ready, a CAMS file that failed to parse — by email or directly inside the portal.
- Email & in-app notifications
- SIP due, NAV-update & ingestion-failure alerts
- Report-ready notifications for distributors & investors
Trigger a sample notification
Admin Control Center
One control room for the whole platform — tenants, sub-brokers, ingestion health and audit trails, all in a single screen for super-admins.
- Tenant & sub-broker / ARN management
- CAMS/Karvy ingestion health monitoring
- Audit logs across uploads, role changes & system jobs
Platform overview
Audit log
- 09:41 CAMS file processed for ARN-12345 (sub-broker Priya Nair)
- 09:38 Karvy file failed to parse — flagged for review
- 09:12 Nightly NAV scrape completed for 1,842 schemes
Non-functional requirements aren't an afterthought
Performance
PaginationHelper & QueryFilterBuilder stop any single API call from ever returning an entire transaction history.
Scalability
Every distributor's client book is isolated by tenant, so one platform serves many distributors independently.
Security
Encrypted sessions, OTP-verified logins and role-based permissions guard every endpoint.
Data Isolation
Row-level and application-level checks make sure Distributor A can never fetch an Investor belonging to Distributor B.
Reliability
AllExceptionsFilter and email-processing-error tracking catch every CAMS/Karvy file that fails to parse.
Availability
Built toward a 99% uptime target across all three portals.
One stack, end to end
Frontend
Backend
Database
RTA & Data Sources
Auth & Security
Version Control
Future scope
FinIQ's roadmap beyond the current 12 modules.