Improved portfolio data reliability by redesigning holdings architecture to reduce preprocessing dependency, enabling ~99.9% portfolio accuracy.
To start with, what triggered Mutual Funds dashboard
App IA shifted —
MF needed its own home.
But why from scratch?
No unified view of total mutual funds — Genius, DIY, and External products
- Current portfolio state
- Investment performance
Buried workflows
Core investment workflows (locating SIPs, tracking external funds) were difficult to access, leading to increased user support queries
2 – 3% users saw incorrect portfolio values — due to core architecture issue
Even though this affected a small percentage, wealth products operate heavily on trust.
Scale of the problem
Mutual funds formed the backbone of ET Money's ecosystem
Mutual funds AUM
managed by ET Money
₹1,00,000+ Cr.
Transaction in
Mutual funds
2 Million +
SIPs on
ET Money
₹10.9 Cr.
User comes to this page to understand —
“What’s happening with my money?”
Building V1
We retained existing investment segmentation — Goals, Individual funds, External funds — because ET Money still operated through these constructs internally.
Something which was very critical and had to be presented in the most easiest way possible
Portfolio snapshot
Initially we had this
Final designs after all the stakeholder alignment
But still we were not solving the core architecture problem — which caused inaccuracy in portfolio data for 2–3% of users
Understanding why it happens
We get data from
MF central
We preprocess it —
separate external funds
Sometimes transactions gets tracked twice, if the NAV date is complicated, Multiple folios connected — These are just few scenarios.
Show bifurcated views
for external & internal funds & strategy funds (Funds invested via goal & ultimate sip)
Building V2
Top-level segregation into Dashboard, Analytics and Explore tabs — with holdings pulled directly from MF Central, removing preprocessing dependency entirely.
Analytics & Explore section
Analytics lets users compare their portfolio against benchmarks and surface all insights in one place. Explore suggests the next fund based on past investments.