ZFunds

ZFunds' tech platform enables mutual fund distributors to build and scale their businesses by offering best-in-class tools such as instant UPI mandate setup, quick KYC, portfolio tracking, in-depth research support, upskilling & training. By combining smart technology with real human advice, ZFunds is helping Indians invest better. It believes personalized advice alongside digital convenience is the key to wealth creation.

Core Products & Services

• Dual-platform architecture with separate apps for mutual fund distributors (MFDs) and investors enabling seamless business management

• Instant UPI AutoPay mandate setup for SIPs in just 3 seconds using only UPI PIN—no paperwork, debit cards, or net banking required

• Paperless KYC process completed in under 2 minutes using Aadhaar and DigiLocker integration

• Access to 3,000+ mutual fund products across all 42+ Asset Management Companies (AMCs)

• Real-time portfolio tracking with WhatsApp notifications and comprehensive transaction history monitoring

• Daily SIP functionality with minimum investment starting from just ₹100—designed for irregular income earners in smaller towns

• Research-backed fund recommendations powered by a dedicated in-house research team with portfolio review support

• Personalized SIP calculators with tailored investment recommendations based on investor profiles and corpus

• 24x7 certified and experienced Relationship Manager support for distributor growth guidance

• World-class training programs and financial literacy support for distributor upskilling

• Free online and offline marketing support to help distributors grow their Assets Under Management (AUM)

Business Model & Revenue Streams

• Commission-based revenue model earning 1–1.25% annual commission from Asset Management Companies and financial instrument issuers on mutual fund transactions

• Distributor revenue sharing: approximately 60% of earned commissions distributed to 14,000+ mutual fund distributors operating as micro-entrepreneurs across 1,000+ locations

• Perpetual recurring income generated for distributors from client investments managed through the platform

• Current customer base of 1,00,000+ with Assets Under Management exceeding ₹1,340 crores

• Annualized revenue of approximately ₹10 crores from mutual fund operations

• Planned revenue diversification through expansion into insurance products and other investment instruments for broader wealth management ecosystem coverage