WealthCrop NAV & Advisory API Docs
Enterprise OpenAPI 3.1 specifications for Mutual Fund Distributors (ARN-297008), Registered Investment Advisors (RIA), and Fintech Frontend Developers.
1. Authentication
Authenticate requests by passing your API key in HTTP request headers.
X-API-Key: YOUR_API_KEY_HERE
accept: application/json
2. Strict Compliance & Channel Rules
WealthCrop enforces regulatory channel separation at the database layer:
- MFD Endpoints (/api/v1/investor/mfd/*): Exclusively queries REGULAR / NORMAL distribution plans (ARN channel). Blocked if a Direct code is queried.
- RIA Endpoints (/api/v1/investor/ria/*): Exclusively queries DIRECT fee-based advisory plans. Blocked if a Regular code is queried.
3. Upload & Process CAS PDF
Uploads password-protected CSDL/NDSL Consolidated Account Statements (CAS) PDF files, decrypts using PAN, and normalizes all historical transactions, folios, and scheme holdings into standard structured DB entities.
| Parameter | Type | In | Description |
|---|
| file *required | file (binary) | formData | CAS PDF document binary upload |
| password *required | string | formData | PDF decryption password (Investor PAN / Case-insensitive) |
curl -X 'POST' \
'https://api.wealthcrop.in/api/v1/cas/upload' \
-H 'accept: application/json' \
-H 'X-API-Key: YOUR_API_KEY' \
-F 'file=@cas_statement.pdf;type=application/pdf' \
-F 'password=ABCDE1234F'
Response Example (200 OK)
{
"status": "success",
"investor_pan": "ABCDE1234F",
"folios_parsed": 8,
"schemes_found": 14,
"transactions_ingested": 112,
"total_current_value": 1245800.50
}
4. Get User Holdings
Fetches normalized mutual fund portfolio holdings, current NAV valuations, folio allocations, and XIRR performance metrics for a specific investor.
| Parameter | Type | In | Description |
|---|
| pan *required | string | query | Investor Permanent Account Number (PAN) |
curl -X 'GET' \
'https://api.wealthcrop.in/api/v1/cas/holdings?pan=ABCDE1234F' \
-H 'accept: application/json' \
-H 'X-API-Key: YOUR_API_KEY'
5. Request CAS Mailback
Triggers automated CAS statement request dispatched directly to the investor's registered email via CSDL/KFintech/CAMS infrastructure.
Request Payload Example
6. Scheme Search API
Search across all available mutual fund schemes by AMC or scheme name.
| Parameter | Type | In | Description |
|---|
| q *required | string | query | Query string (e.g. hdfc balanced) |
| limit | integer | query | Max results (Default: 50, Max: 100) |
Response Example (200 OK)
[
{
"wealthcrop_code": "WR00000694",
"scheme_name": "HDFC Balanced Advantage Fund",
"amc_name": "HDFC Asset Management Company Limited",
"category": "Hybrid Scheme",
"sub_category": "Dynamic Asset Allocation or Balanced Advantage",
"scheme_type": "Open Ended",
"scheme_plan": "NORMAL",
"isin": "INF179K01830"
}
]
7. MFD Regular Scheme Search
Strict MFD distribution channel endpoint (License: ARN-297008). Natively filters to NORMAL/REGULAR plans.
curl -X 'GET' \
'https://api.wealthcrop.in/api/v1/investor/mfd/schemes/search?q=hdfc%20balanced&limit=10' \
-H 'accept: application/json' \
-H 'X-API-Key: YOUR_KEY'
8. Pre-Calculated Rolling Matrix Analytics
Ultra-fast pre-calculated rolling consistency matrix returning probability buckets.
| Parameter | Type | In | Description |
|---|
| wealthcrop_code *required | string | path | Scheme code (e.g. WR00000694) |
| horizon | integer | query | Rolling horizon in years (e.g. 3) |
9. Portfolio Overlap Engine
Calculates stock-level portfolio concentration and overlap percentages across two or more scheme codes.
Request Payload Example
{
"schemes": [
{ "wealthcrop_code": "WR00000694", "weight": 0.5 },
{ "wealthcrop_code": "WR00000829", "weight": 0.5 }
]
}
10. AI Services Engine
Generates contextual AI responses powered by AWS Bedrock for financial and scheme inquiries.
curl -X 'POST' \
'https://api.wealthcrop.in/api/v1/ai/ask' \
-H 'accept: application/json' \
-H 'Content-Type: application/json' \
-d '{ "query": "Explain the risk profile of HDFC Balanced Advantage Fund" }'
11. SIP Step-Up Calculator
Calculates future wealth accumulation with compounding annual step-up contributions.
{
"initial_monthly_sip": 10000,
"annual_step_up_percent": 10,
"expected_annual_return": 12,
"investment_tenure_years": 10
}