Onboarding & KYC
Paperless Central Desk
Mutual Fund Desk
Regular Plans OMS
Live Stock Trading
Kotak Securities API
Planning Calculators
SIP & Goal Engine
Paperless Client Onboarding & KRA Verification Loops
Wealthcrop executes streamlined, paperless client onboarding processes designed to capture, validate, and maintain crucial investor information. All core personal data undergoes rigorous digital verification checks before account initialization.
Mandatory Profile Parameters Required:
- Primary Contact Nodes: Your registered primary email and mobile number serve as the core anchors for account logging and system communications. Post successful OTP verification, fields display a permanent ‘verified mark’ inside profile management.
- PAN Card Verification: Real-time lookup queries must verify PAN records via common market APIs. Verification unlocks essential withdrawal and portfolio liquidation features. Once successfully verified, modifications require explicit admin control authorization.
- Secondary Credentials: Scanned copy uploads of valid Aadhaar, Voter ID, or Passport records are processed to maintain document vault integrity.
Switch Account Framework (Linked Family Accounts)
The Switch Account feature enables investors supervising multiple distinct profiles, corporate portfolios, or minor entities to jump seamlessly between distinct accounts without constant manual logouts. This asset synchronization framework is accessible across both mobile and web dashboard endpoints.
Operational Execution Blueprint:
- Navigate directly to the account switch widget option prominently mapped onto your client dashboard.
- Select your intended target account from the dynamic dropdown of cross-linked family or entity profiles.
- Complete the mandatory structural re-authentication prompt (biometric verification touch or password re-entry).
- The system instantly verifies credentials, updates view states, and loads the active tracking workspace for the newly selected account layer.
Family Mapping & Legal Transmission Asset Workflows
Wealthcrop simplifies generational wealth monitoring while providing standard operational support paths for estate transitions.
Enables the union of cross-generational portfolios, links minor accounts seamlessly to authorized parental or guardian mappings, and generates combined family asset allocation reporting views.
Provides standardized administrative workflows for death claims, nominee transfers, and folio modifications. Document verification trackers ensure compliance validation before asset transfers execute.
Daily Exchange Cut-off Protocols & NAV Allotment Synchronization
As an AMFI-registered Mutual Fund Distributor routing orders via integrated exchange pipelines (BSE Star, NSE NMF, and MF Utility), transactions strictly observe statutory market timings. Capital allocations must hit target Asset Management Company (AMC) pool ledger endpoints prior to these cut-off markers:
| Scheme Asset Segment | Operational Flow | Standard Timing Window (IST) | Target NAV Allotment Logic |
|---|---|---|---|
| Liquid & Overnight Mutual Funds | Lumpsum Purchase | 1:30 PM | Previous Business Day NAV (Subject to successful fund realization) |
| Equity, Income Debt, & Hybrid Schemes | Lumpsum / SIP Purchase | 3:00 PM | Same-Day Business NAV (Subject to successful fund realization) |
| All Active Open-Ended Schemes | Redemption / Switch Transactions | 3:00 PM | Same-Day Business NAV Allocation |
Advanced Allocation Triggers: Switches, Spreads, SWP, and STP
Our Order Management System (OMS) supports advanced, disciplined investment pathways:
- Switch Transactions: Enables investors to shift capital allocations out of a source fund directly into a target fund inside the same AMC company structure. Validation rules verify units match security guidelines before clearing order execution.
- Spread Operations: Automatically fragments a primary, single lumpsum capital block into smaller, staggered periodic allocations deployed across an array of specified target schemes.
- Systematic Withdrawal Plan (SWP): Provides steady, liquid income cash streams by executing automated, periodic partial redemptions (monthly or quarterly) while keeping your residual asset portfolio running.
- Systematic Transfer Plan (STP): Manages asset rebalancing automatically by moving fixed capital slices from a source fund into a target fund at scheduled intervals to smooth out market cycles.
Systematic Investment Plans (SIP): Mandates & Modifications
Our Systematic Investment Plan (SIP) infrastructure coordinates recurring investments with automated banking links.
NACH Auto-Debit Mandates: To automate recurring SIP actions, investors establish a National Automated Clearing House (NACH) mandate link. Mandate approval, registration, and confirmation loop sequences require roughly **10 to 15 bank working days** to become active.
SIP Lifecycle Management: Active SIP setups can be systematically modified, paused, or cancelled entirely as needed. Submitting a cancellation request clears your bank auto-debit registration within 5 business days, ensuring no further automated money pulls occur while leaving your accumulated folio units untouched.
Live Exchange Orders via Kotak Securities API
Wealthcrop operates as an Authorized Partner of Kotak Securities Ltd., providing seamless, high-speed, and direct integration for all stock trading activities. Our system hooks directly into the Kotak Neo API infrastructure to provide institutional-grade execution capabilities over a unified primary pipeline.
| Primary Execution Engine | Supported Order Typologies | Real-Time Platform Features |
|---|---|---|
|
Kotak Securities Ltd. (Official AP Integration Framework) |
• Market Orders: Instant execution matching the prevailing market ask/bid block. • Limit Orders: Placed in exchange books to execute only at your precise target price entry point. • Stop-Loss Orders: Defensive trigger protocols designed to safeguard equity capital by initiating automatic liquidations if a stock hits a pre-set threshold. |
• Streaming live market index ticks from NSE and BSE. • Immediate order placement confirmations. • Live technical stock charts, historical overlays, and volume metrics. • Consolidated tax and capital gains accounting reports. |
T+1 Exchange Rolling Settlement Regulations
All equity and share transactions executed via our Kotak Securities link adhere strictly to India’s unified **T+1 rolling settlement schedule**:
- Trade Execution Day (T): Your market order completes, locking transactions securely into the broker’s digital system logs.
- Settlement Clearance Day (T+1): Securities transfer into your Demat account, and sales ledger credits fully clear for cash withdrawal routing or subsequent deployments by evening.
Automated Financial Guidance & Risk Tolerance Profiling
Our platform pairs algorithmic robo-advisory features with structured risk-profiling tools. Quantitative surveys assess variables like age, capital metrics, time horizons, and comfort levels to map clients into three primary distribution profile buckets: Conservative, Moderate, or Aggressive.
The system utilizes asset allocation models (such as Modern Portfolio Theory) to suggest target portfolios across equity and debt categories. These allocations align with your current life stage, whether you are expanding growth assets as a young professional or preserving capital near retirement.
Ecosystem Financial Planning & Mathematical Tools
Wealthcrop provides analytical tools to model financial goals and estimate potential savings paths:
Inputs factor in target amounts, compounding rates, and timelines. The tools instantly display future investment values and calculate the exact monthly recurring SIP needed to build your target corpus.
Calculates data points for fixed income assets and emergency reserves. It structures savings targets to safely shield living costs across specified coverage horizons.
Wealthcrop Internal Grievance Escalation & Resolution Ladder
In accordance with standard SEBI and AMFI consumer protection guidelines, investors can route formal corporate concerns through our structured internal tier ladder:
| Escalation Level | Designated Point of Contact Desk | Primary Communication Routing Email | Target Turnaround Resolution SLA |
|---|---|---|---|
| Level 1: Helpdesk | Client Relationship Operations Desk | [email protected] | Within 48 Operational Hours |
| Level 2: Management | Grievance Redressal Officer | [email protected] | Within 7 Business Days |
| Level 3: Regulatory | Independent SEBI SCORES Platform | scores.sebi.gov.in | Per Statutory Timeline |
Frequently Asked Questions (FAQs)
Are there out-of-pocket platform access or operational fees charged by Wealthcrop?
No. Wealthcrop operates purely as an AMFI-registered distributor facilitating Regular Plan mutual fund variants. Our company receives trail commission compensation directly from the Asset Management Companies (AMCs). We do not levy auxiliary platform subscription fees or transaction processing overheads onto our client investors.
How can I connect algorithmic software or trading systems to my stock account?
As an Authorized Partner of Kotak Securities, your profile can be provisioned with Kotak Neo API access keys. You can generate API credentials directly inside your secure developer settings panel to stream real-time price brackets and route automated orders instantly to the exchange.
What happens if my bank auto-debit fails on my scheduled monthly SIP date?
If an installment bounces due to insufficient clearing balances, Wealthcrop will not charge a penalty, and the AMC will simply skip that month’s installment. However, your individual banking institution may apply an auto-debit bounce fee. If a mandate fails sequentially for three consecutive months, the exchange network terminates that active SIP automatically.
How can I change my primary registered bank account or add a nominee?
To safely update your profile parameters, navigate to your account profile settings to download the Account Modification Form. Fill out the form, attach a self-attested PAN copy alongside a clear cancelled cheque displaying your full name, and upload the documents securely to our operations desk for verification.