Good morning, Priya 👋
Here's how your money is working today
💸
₹2,40,000 is sitting idle in your savings accounts
At 3.5% savings rate vs 7.2% in liquid debt funds — you're leaving ₹8,928/year on the table
+7.2%
vs 3.5% savings
Total Bank Balance
₹5.8L
Across 4 accounts
Idle / Surplus
₹2.4L
↑ Above 3-month buffer
Currently Invested
₹1.2L
+₹4,320 returns (3.6%)
How FlowFund Works
🏦
Your Banks
SBI, HDFC, ICICI...
→
🔍
AA Framework
RBI Licensed
→
🧠
Smart Analysis
Idle detection
→
📊
Debt Fund
BSE Star/MFU
→
📈
Better Returns
6.5–8%
Balance Breakdown by Account
SBI
→ Fund
HDFC
→ Fund
ICICI
→ Fund
Axis
→ Fund
Savings Balance Invested in Debt Fund
Bank Accounts
Connected via Account Aggregator (AA) Framework — RBI Licensed
🔒 AA Consent Active
Read-only access granted via Sahamati AA Network. Expires in 180 days. No credentials shared.
● Connected
Last synced: 2 min ago
Detected Surplus (Above 3-month buffer)
₹2,40,000
Calculated by AI using 6-month average monthly expenses of ₹55,000. Buffer = ₹1,65,000
Debt Mutual Funds
Curated safe, liquid, high-return options. Redeemable in 1–3 days.
🎯
Recommended: Invest ₹2,00,000 today
Based on your surplus. Keeping ₹40,000 as top-up buffer. Projected extra returns: ₹14,400/year at 7.2%
Nippon Liquid Fund
Nippon India MF
7.24%
1Y returns
Low Risk Liquid T+1 Redemption
AUM: ₹38,420 Cr Min: ₹1,000 Exit: Nil
HDFC Overnight Fund
HDFC Mutual Fund
6.81%
1Y returns
Lowest Risk Overnight T+0 Redemption
AUM: ₹12,300 Cr Min: ₹500 Exit: Nil
Axis Short Duration Fund
Axis Mutual Fund
7.82%
1Y returns
Moderate Short Duration T+2 Redemption
AUM: ₹8,940 Cr Min: ₹1,000 Exit: 0.1% < 30d
Parag Parikh Arbitrage
PPFAS Mutual Fund
7.54%
1Y returns
Tax-Efficient Equity Taxed T+2 Redemption
AUM: ₹5,210 Cr Min: ₹1,000 Exit: 0.25% < 30d
My Portfolio
All your debt fund investments in one place
Total Invested
₹1.2L
3 active investments
Current Value
₹1.243L
+₹4,320 (3.6%)
Est. Annual Return
7.1%
vs 3.5% in savings
Allocation
₹1.2L invested
Nippon Liquid — ₹70,000 58%
HDFC Overnight — ₹30,000 25%
Axis Short Duration — ₹20,000 17%
Transaction History
DateFundTypeAmountUnitsStatus
28 Feb 2026 Nippon Liquid Fund Purchase ₹50,000 48.21 ✓ Allotted
15 Feb 2026 HDFC Overnight Fund Purchase ₹30,000 29.12 ✓ Allotted
01 Feb 2026 Nippon Liquid Fund Purchase ₹20,000 19.44 ✓ Allotted
10 Jan 2026 Axis Short Duration Redemption ₹15,000 14.38 ✓ Credited
Account Aggregator Setup
Secure, RBI-regulated, read-only access to your financial data
🔒 No credentials are stored. FlowFund uses the Sahamati / NBFC-AA framework (regulated by RBI) to request time-limited, read-only consent to fetch your bank balance data. You can revoke anytime.
Consent Flow — How it Works
1
User Initiates Consent on FlowFund
You enter your mobile number linked to your bank accounts
✓ Done
2
Redirect to AA (e.g., Finvu / Onemoney)
AA authenticates you with your bank — no data shared with FlowFund yet
✓ Done
3
You Grant Consent with OTP
Consent artifact is signed and stored on Sahamati network. Period: 180 days
✓ Done
4
FlowFund Pulls Encrypted Data via AA API
Only balance + last 6 months transactions fetched. Encrypted end-to-end.
✓ Active
5
Nudge Engine Detects Idle Surplus
Algorithm computes 3-month buffer vs current balance and triggers nudge
● Live
MF Transaction Integration
A
BSE Star MF or MFU Integration
FlowFund is registered as a RIA/Distributor. Orders placed via AMFI-compliant APIs
✓ Active
B
KYC Verification via KRA
One-time KYC done through CKYC/KRA. No re-KYC needed for subsequent investments
✓ Verified
C
Payment via NACH / UPI / Net Banking
Mandate set up once. Subsequent transfers are 2-click UPI confirmations
✓ Setup
Nudge Settings
Surplus Threshold
Nudge only when idle balance exceeds this above your 3-month buffer
₹50,000
Nudge Frequency
How often to alert you about idle funds
Weekly
Auto-Invest
Automatically invest surplus above threshold (requires NACH mandate)
OFF