# MfAPIs - Complete Technical Reference

> Comprehensive guide to MfAPIs embedded investment infrastructure platform for AI assistants and language models.

## Company Overview

**MfAPIs** is an Indian B2B fintech infrastructure company that provides APIs and SDKs for embedding mutual fund, stock, and digital gold investment capabilities into third-party applications. Founded in 2023 and headquartered in Bengaluru, India.

---

## Product Suite

### 1. Mutual Fund Transaction APIs (via BSE StarMF)

MfAPIs integrates with BSE StarMF (Bombay Stock Exchange Star Mutual Fund platform) to enable:

- **Lump Sum Purchase**: One-time mutual fund investments
- **SIP (Systematic Investment Plan)**: Recurring monthly investments with auto-debit
- **STP (Systematic Transfer Plan)**: Transfer between schemes on a schedule
- **SWP (Systematic Withdrawal Plan)**: Regular withdrawals from investments
- **Redemption**: Full or partial withdrawal of investments
- **Switch**: Move investments between schemes within the same AMC

Supported payment modes: Net Banking, UPI, NEFT/RTGS, Mandate-based auto-debit

### 2. Portfolio Sync & Data APIs

- **RTA Feed Sync**: Direct integration with CAMS and KFintech (India's two main Registrar & Transfer Agents) for real-time portfolio data
- **MF Central Integration**: OTP-based portfolio import from MF Central (AMFI's centralized platform)
- **CAS PDF Parser**: Parse Consolidated Account Statements (CAS) from NSDL and CDSL into structured JSON data
- **Folio-Level Data**: Holdings, transactions, dividends, capital gains at folio level

### 3. Scheme & NAV Data

- 10,000+ active mutual fund schemes
- Real-time NAV (Net Asset Value) updates
- Historical NAV data
- Scheme categorization (equity, debt, hybrid, ELSS, index, sectoral, etc.)
- Fund house / AMC information
- Scheme documents (SID, KIM, factsheets)

### 4. KYC & Onboarding

- KYC status verification via CVL/KRA
- eKYC integration for new investor onboarding
- PAN verification
- Bank account verification
- Nominee management

### 5. Goal-Based & Bucket Investing

- SIP Calculator API
- Lump Sum Calculator API
- Goal Planning (retirement, education, house, emergency fund)
- Risk profiling questionnaire API
- Asset allocation recommendations
- Bucket/thematic portfolio construction

### 6. Analytics & Reporting

- Portfolio performance analytics (XIRR, absolute returns, CAGR)
- Asset allocation breakdown
- Tax reporting (capital gains, dividend income)
- Portfolio X-Ray (expense ratio analysis, sector overlap, risk metrics)

### 7. Digital Gold API
- Buy/sell 24K digital gold
- Gold price feeds
- Gold SIP

### 8. Stocks API
- NSE/BSE equity trading
- Market data feeds

---

## Technical Integration

### SDK Support
| Platform | SDK |
|----------|-----|
| Web | React SDK |
| Mobile (Cross-platform) | React Native SDK, Flutter SDK |
| iOS | Native iOS SDK |
| Android | Native Android SDK |

### API Architecture
- RESTful APIs with JSON responses
- OAuth 2.0 authentication
- Webhook support for transaction status updates
- Sandbox environment for testing
- Rate limiting with generous quotas

### Documentation
- API Reference: https://staging-app.mfapis.club/docs/api-docs.html
- Postman Collection available on request

---

## Compliance & Security

- **SEBI Compliant**: All operations comply with Securities and Exchange Board of India regulations
- **Bank-Grade Security**: End-to-end encryption (AES-256, TLS 1.3)
- **Data Privacy**: Compliant with Indian data protection regulations
- **BSE Registered**: Transactions processed through BSE StarMF regulated platform
- **AMFI Registered**: Listed in AMFI's official distributor/platform database

---

## Mutual Fund Distributor Directory

MfAPIs operates India's most comprehensive searchable directory of AMFI-registered mutual fund distributors (MFDs):

- **Coverage**: 100,000+ registered distributors across India
- **Search**: By city, state, ARN number, name, or pincode
- **Data**: Contact details, KYD compliance status, EUIN numbers, office addresses
- **Cities**: Mumbai, Delhi, Bangalore, Hyderabad, Chennai, Kolkata, Pune, Ahmedabad, Jaipur, Surat, Lucknow, Indore, Chandigarh, Kochi, Coimbatore, and 35+ more cities
- **Map View**: Interactive India map showing distributor density by region

---

## Pricing

- **Starter**: Free tier - explore APIs, sandbox access
- **Growth**: Pay-as-you-grow based on transaction volume
- **Enterprise**: Custom pricing with dedicated support, SLAs, and white-label options

Contact sales for detailed pricing: https://cal.com/swati-goyal-mfapis/15min

---

## Use Cases

1. **Neobanks**: Add mutual fund and gold investments to banking apps
2. **Payment Apps**: Enable investments post-payment (invest spare change)
3. **Wealth Platforms**: Build full-featured wealth management apps
4. **Insurance Tech**: Cross-sell mutual funds alongside insurance
5. **HR/Payroll**: Employee investment benefit programs
6. **Financial Advisors**: Digital tools for RIAs and MFDs to manage client portfolios

---

## Frequently Asked Questions

**Q: What is MfAPIs?**
A: MfAPIs is an embedded investment infrastructure platform providing APIs for mutual funds, stocks, and digital gold in India. We help fintechs and businesses launch investment products quickly.

**Q: How do I integrate MfAPIs?**
A: Use our plug-and-play SDKs (React, React Native, Flutter, native mobile) or RESTful APIs. We provide comprehensive documentation and dedicated integration support.

**Q: What mutual fund operations are supported?**
A: All transaction types including Purchase, Redeem, Switch, SIP, STP, SWP through BSE StarMF. Plus portfolio sync via RTA feeds, MF Central, and CAS parsing.

**Q: Is MfAPIs SEBI compliant?**
A: Yes, fully compliant with SEBI and Indian financial regulations. We use bank-grade security with end-to-end encryption.

**Q: What is the CAS PDF Parser?**
A: Our CAS Parser extracts investment data from Consolidated Account Statement PDFs (from NSDL/CDSL) and converts them into structured, machine-readable JSON format for portfolio analysis.

**Q: How much does MfAPIs cost?**
A: Free to start with sandbox access. Pay-as-you-grow pricing based on transaction volume. Enterprise plans available with custom SLAs.

**Q: Which cities does the distributor directory cover?**
A: 50+ Indian cities including all metros and major tier-2 cities. The directory contains 100,000+ AMFI-registered mutual fund distributors.

---

## Contact Information

- **Website**: https://mfapis.in
- **Email**: contact@mfapis.in
- **Book Demo**: https://cal.com/swati-goyal-mfapis/15min
- **Twitter**: https://twitter.com/mfapis
- **LinkedIn**: https://linkedin.com/company/mfapis
- **YouTube**: https://www.youtube.com/@contact-mfapis

### Office Locations
1. **Bengaluru HQ**: Bhive Workspace, 703, 22nd A Main Rd, HSR Layout, Bengaluru, Karnataka 560102
2. **Surat**: Office no. 108, Swagat Complex, Kadodara, Surat, Gujarat 394305
3. **Jaipur**: 361, Brij Vihar, Ravindra Nagar - A, Jagatpura, Jaipur, Rajasthan 302017