From a Figma Prototype to ₹250 Crores Under Management: Building India's Personal Finance Platform
Portfolio Dashboard
Investment Screen
Financial Report
₹250Cr+
Assets Under Management
Across all investment instruments
500+
HNI Clients Served
Personalized advisory for each
11
VGTS Team Members
Design, engineering, DevOps & QA
2 Yrs
Built & Launched
2022–2024, then handed to internal team
01 · Where It Started
A Freshworks closer who wanted to democratize wealth management
Rithwin Siva spent years at Freshworks consulting over 120 companies and driving over $1M in direct revenue impact. He understood how enterprises bought software, how products scaled, and what made the difference between a tool people tried and a tool people kept. But he also noticed something closer to home: the financial advisory that HNI investors received — personalized reports, dedicated experts, regular portfolio reviews — simply didn't exist for everyone else.
The existing fintech landscape was fragmented. You could buy mutual funds on one app, track expenses on another, file taxes on a third, and get generic advice from a chatbot on a fourth. Nobody was stitching the full financial picture together with a human expert who actually knew your situation. The few players who tried charged 3× what the service was worth.
"Everyone deserves the same finance-savvy expertise that an HNI investor receives. The question was: could we build a platform that makes that economically viable?"
Rithwin came to VGTS with a Figma prototype — a few screens showing his vision for what a personalized financial advisory platform could look like. No backend, no infrastructure, no team. Just a clear product thesis and the conviction that the market was ready for it.
VGTS didn't just build what was in the Figma file. We spent four weeks understanding the regulatory landscape (AMFI, SEBI), the technical requirements for handling financial transactions securely, and the architecture needed to support multiple investment instruments from day one. Then we built the entire platform from scratch — and two years later, helped Vittae hire their own team and take it in-house.
02 · Our Approach
Build the regulated fintech. Then build the team to run it.
Discovery & Architecture
Translated Rithwin's Figma prototype into a production-ready technical architecture — defining the data models, API structure, and security framework required for a regulated fintech product
Designed the system to handle multiple investment instruments from day one — Mutual Funds, Digital Gold, Stocks, and Fixed Deposits — each with different API integrations, regulatory requirements, and transaction flows
Mapped out AMFI compliance requirements and built the security architecture around AES 256-bit encryption and TLS 1.3 — ensuring advisor-side data access was encrypted and hashed so no team member could see raw financial data
Defined the microservices architecture to keep each financial instrument isolated — so adding new investment types later wouldn't require rebuilding existing ones
Core Platform Build
Built the mobile applications for iOS and Android simultaneously, translating the Figma designs into a polished fintech experience that handled sensitive financial data with bank-grade UX patterns
Developed the backend APIs powering Mutual Fund distribution (buy, sell, SIP), Digital Gold transactions, Stock investments, and Fixed Deposit booking — each integrated with respective third-party financial APIs
Built the admin panel giving Vittae's internal team full control over client management, portfolio oversight, financial report generation, and advisory workflows
Implemented Razorpay payment infrastructure with multiple payment modes — UPI, net banking, and auto-debit for recurring SIP investments
Built the Personalized Financial Report engine — the core differentiator that analyses a client's complete financial picture across 7 key metrics and generates actionable insights
Investment Instruments & Compliance
Integrated Mutual Fund distribution APIs enabling seamless buy/sell/SIP transactions across multiple AMCs — with real-time NAV tracking and portfolio performance dashboards
Built Digital Gold buying and selling with vault storage integration — clients could purchase gold in fractions and track real-time value
Developed the Stock investment module connecting to market data APIs for live pricing, order placement, and portfolio tracking
Implemented Fixed Deposit booking with rate comparison across multiple banks — helping clients find the best rates without visiting individual bank portals
Built the Financial Product Validator — a tool that analyses existing investments and tells clients whether their current products are actually a good fit for their goals
Scale, Automate & Handover
Built the robo-advisor system that tracks client portfolios year-round, automatically flagging rebalancing opportunities and sending personalised recommendations
Developed the 4-month re-assessment workflow — automated scheduling, data collection, report generation, and advisor assignment for every client on a regular cadence
Implemented the corporate Employee Wellness Platform (EWP) — extending Vittae's advisory services to companies who wanted to offer financial wellness as an employee benefit
Helped Vittae hire and train their internal engineering team, then executed a structured handover of the codebase, infrastructure, and DevOps pipelines — ensuring Vittae could continue independently
Complete knowledge transfer including documentation, architecture decisions, deployment procedures, and ongoing maintenance playbooks
03 · The Solution
One app for your entire financial life
Portfolio Dashboard
Multi-instrument overview with real-time values
Financial Report
7-metric personalized analysis
Investment Screen
MF, Gold, Stocks, FD — unified experience
Personalized Financial Reports
Deep analysis across 7 key financial metrics — income, expenses, loans, investments, insurance, tax, and net worth. Each report is unique to the client, not a template. Certified advisors review and annotate every report before delivery.
Multi-instrument investment platform
Mutual Funds (buy, sell, SIP across multiple AMCs), Digital Gold (fractional buying with vault storage), Stocks (live market data and order placement), and Fixed Deposits (rate comparison across banks) — all from a single app.
Human + AI hybrid advisory
Certified financial experts handle the strategy and relationship. Robo-advisors handle year-round portfolio tracking, automated alerts, and rebalancing recommendations. Clients get HNI-level service at a fraction of the cost.
Bank-grade security architecture
AES 256-bit encryption for data at rest, TLS 1.3 for data in transit. All financial data is encrypted and hashed — advisors see calculated values and recommendations, never raw account numbers or balances. AMFI registered, DIPP certified.
4-month re-assessment cycle
Automated scheduling triggers a complete financial health check every 4 months. The system collects updated data, generates comparison reports against the previous assessment, and assigns a certified advisor for a review session.
Corporate Employee Wellness (EWP)
White-label financial wellness platform for companies. Employers offer Vittae's advisory services as an employee benefit — covering salary structuring, tax planning, investment guidance, and loan optimization for their workforce.
04 · Results
Numbers that speak for themselves
₹250Cr+
Assets under management
Across Mutual Funds, Digital Gold, Stocks, and Fixed Deposits
500+
HNI clients onboarded
Each with personalized financial reports and dedicated advisors
4
Investment instruments live
Mutual Funds · Digital Gold · Stocks · Fixed Deposits
0 → 1
From Figma prototype to regulated fintech
AMFI registered (ARN-250012) · DIPP certified (DIPP104057)
The Transformation
From a Figma file to a regulated fintech platform.
Figma prototype with a few screens
Full fintech platform — iOS, Android, backend, admin
No engineering team
11 VGTS members: design, frontend, backend, mobile, DevOps, QA
Single idea — financial reports
4 live investment instruments + advisory + corporate EWP
No regulatory infrastructure
AMFI registered, DIPP certified, AES-256 + TLS 1.3
Manual financial planning
Automated robo-advisor with 4-month re-assessment cycles
No way to transact
Buy/sell MFs, Digital Gold, Stocks, FDs — all in-app
Zero clients
500+ HNIs served, ₹250Cr+ under management
Dependent on VGTS
Internal team hired, trained, and full codebase handed over
Figma prototype with a few screens
Full fintech platform — iOS, Android, backend, admin
No engineering team
11 VGTS members: design, frontend, backend, mobile, DevOps, QA
Single idea — financial reports
4 live investment instruments + advisory + corporate EWP
No regulatory infrastructure
AMFI registered, DIPP certified, AES-256 + TLS 1.3
Manual financial planning
Automated robo-advisor with 4-month re-assessment cycles
No way to transact
Buy/sell MFs, Digital Gold, Stocks, FDs — all in-app
Zero clients
500+ HNIs served, ₹250Cr+ under management
Dependent on VGTS
Internal team hired, trained, and full codebase handed over
VGTS took Vittae from a Figma prototype to a fully regulated, AMFI-registered fintech platform managing ₹250Cr+ — then helped them build the internal team to own it. That's not outsourcing. That's partnership.
05 · Client Testimonial
Pending client approval"VGTS didn't just build our app — they helped us understand what it takes to build a fintech product. From regulatory compliance to architecture decisions, they were a true technical co-founder for us."
Rithwin Siva
Founder & CEO, Vittae Money
06 · Tech Stack
React Native 
Node.js React 
AWS 
PostgreSQL 
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