ZFunds-Style Daily recurring SIP Mobile Platform
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    Retail Micro-SIP

    ZFunds-Style Daily recurring SIP Mobile Platform

    Engineering a high-performance iOS and Android retail investment app featuring instant ₹100 Daily SIP mandates via UPI AutoPay 2.0.

    Project Type

    Native Mobile App

    Timeline

    5 months

    Our Role

    Lead Mobile Architect

    50,000+ Daily Mandates Activated
    50k+
    Daily Active Mandates
    ₹100
    Minimum Daily SIP
    0%
    Auto-Fail Mandate Penalties
    6+
    Regional Languages Supported

    The Challenge

    Traditional mutual fund platforms focus on monthly ₹1,000+ investments. Our client wanted to target regional retail users with ₹100 daily SIPs, requiring absolute friction-free automated payments and penalty-bypassing pause logics.

    Key Features

    Instant 3-second UPI AutoPay 2.0 mandate creation

    Multilingual regional localization in 6 Indian languages

    Bouncing penalty defense balance checking

    Instant portfolio value widgets

    Technical Architecture

    We engineered a native-performing React Native investor app integrated with UPI AutoPay 2.0 mandates. Built a dynamic scheduler that polls bank balances and automatically pauses daily mandates to prevent penalty fees.

    React NativeNode.jsUPI AutoPay 2.0PostgreSQLRedisAWS Cloud
    "Our regional user growth went through the roof. The daily micro-investment logic with UPI AutoPay is a game-changer for tier-2/3 Indian investors."
    Vikram Saxena
    Product Director, MicroInvest India

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