📱 Complete Features Guide

This guide explains every feature in the mobile app - where to find it, how to use it, and what to do if something goes wrong.

🗺️ Finding Your Way Around

🏠 Home Dashboard

What You'll See

Your financial snapshot at a glance:

Information	What It Means
Total Investment	The total money you have invested across all your NCDs
Active NCDs	How many different NCD schemes you're invested in
Total Folios	Number of individual investment records (one per investment)
Interest Paid	Total interest you've received so far
Next Payout	When your next interest payment is coming and how much

Quick Actions

• Tap any card to see detailed breakdown
• Pull down to refresh data
• Notifications bell shows unread count

💰 Investments

Where to Find

Tap Investments in bottom menu

What You Can Do

• View All Investments - See every NCD you own
• Filter by Status - Show only Active or Matured investments
• Search - Find by folio number or scheme name
• Tap for Details - See complete history of any investment

Understanding Your Investment Card

What You See	What It Means
Folio Number	Your unique investment ID (like a receipt number)
Scheme Name	Which NCD series you invested in
Amount	How much money you invested
Interest Rate	The percentage you earn per year
Status Badge	Green = Active, Blue = Matured, Gray = Redeemed

📋 Investment Details

How to Open

Tap any investment from your list

Information Shown

• Summary - Principal amount, interest rate, dates
• Interest History - All interest payments you've received with dates
• Upcoming Payments - When your next interest payments are scheduled
• TDS Details - Tax deducted at source, if any

Actions Available

Action	When to Use	How
Request Redemption	When you want to exit early and get your money back	Tap "Redeem" button → Confirm → Wait for approval
Request Transfer	To move investment to someone else (gifts, inheritance)	Tap "Transfer" → Enter recipient details → Submit
Download Statement	To get official document of your investment	Tap "Statement" → Select type → Download PDF

📊 Statements

Where to Find

Tap Statements in bottom menu

Types of Statements

Type	What It Shows	Best For
Folio Statement	Complete details of one investment	Bank loans, tax filing for specific investment
Series Statement	All your investments in one scheme	Comparing investments in same scheme
Historical Statement	All transactions for a date range	Tax filing, annual review
Activity Log	List of all actions on your account	Tracking what happened when

How to Generate

1. Select statement type
2. Choose investment/scheme (if needed)
3. Select date range
4. Tap "Generate"
5. Download PDF or view online

🧮 Calculator

Where to Find

Tap More → Calculator

What It Does

Helps you plan future investments by calculating expected returns

How to Use

1. Enter Amount - How much you want to invest
2. Select Scheme - Which NCD series
3. See Results:
   • Interest you'll earn each period
   • Total interest over full term
   • Maturity value (principal + interest)

📝 My Requests

Where to Find

Tap More → My Requests

What You'll See

All requests you've made and their current status:

Request Type	What It's For
Redemption Request	Getting your money back early
Transfer Request	Moving investment to someone else
Profile Change	Updating your personal details
New Investment	Adding more money to an NCD

Status Meanings

Status	Color	What It Means	What to Do
Pending	🟡 Yellow	Being reviewed by admin	Wait for response
Approved	🟢 Green	Request was accepted	Action complete
Rejected	🔴 Red	Request was declined	Check reason, contact support if needed
Sent Back	🟠 Orange	Needs corrections	Open request, make changes, resubmit

🔄 Understanding the Approval Process

When you request something from the app - like redeeming investment, transferring to someone, or updating your bank details - your request goes through an approval process. Here's how it works:

Why Do Requests Need Approval?

Reason	Explanation
Protect Your Money	Trained staff verify every financial request to prevent fraud and errors
Ensure Accuracy	Staff check if all details are correct before processing
Legal Compliance	Financial regulations require human verification of certain transactions

What Happens After You Submit a Request?

How Long Does Approval Take?

Request Type	Typical Time	Notes
Redemption	1-2 business days	May take longer for large amounts
Transfer	2-3 business days	Recipient details are verified
Profile Change (Bank)	1-2 business days	Bank details verified with uploaded proof
Document Update	Same day to 1 day	If document is clear and valid

What to Do if Your Request is "Sent Back"

1. Open the request from My Requests
2. Read the Admin Note explaining what needs to be fixed
3. Make the required corrections
4. Tap Resubmit
5. Request goes back to the queue for review

What to Do if Your Request is "Rejected"

1. Open the request to see the rejection reason
2. If you believe it's an error, use Chat or Tickets to discuss
3. If you understand the issue, you may be able to submit a new request with corrections

Tracking Your Request

• Open My Requests anytime to see current status
• You'll receive a push notification when status changes
• You'll also get an email for important updates
• Approved requests appear in your investment/profile immediately

💬 Chat Support

Where to Find

Tap More → Chat

When to Use

• Quick questions about your investments
• Help navigating the app
• General inquiries

Features

• Real-time messaging with support team
• Send images (tap camera icon)
• Message history saved for reference
• Notification when you get a reply

🎫 Support Tickets

Where to Find

Tap More → Support Tickets

When to Use (Instead of Chat)

• Formal complaints or disputes
• Issues needing documentation
• Requests that need manager approval
• Problems that weren't resolved via chat

How to Create a Ticket

1. Tap + New Ticket
2. Select category (Investment Issue, Technical Problem, etc.)
3. Describe your issue in detail
4. Attach files if relevant (screenshots, documents)
5. Tap Submit
6. Note your ticket number for reference

👤 Profile

Where to Find

Tap More → Profile

Sections

Section	What's Included	Can You Change?
Personal Info	Name, date of birth, PAN, Aadhar	Some fields need approval
Contact	Mobile number, email, address	Mobile needs OTP verification
Bank Details	Account number, IFSC, bank name	Changes need approval
Nominee	Who receives your investment if something happens to you	Changes need approval
Documents	Photo, signature, ID proof, address proof	Can upload new versions

How to Update Profile

1. Go to the section you want to change
2. Tap Edit or Request Change
3. Make your changes
4. Submit request
5. Wait for admin approval (for sensitive fields)
6. You'll get a notification when approved

🔔 Notifications

Where to Find

Tap More → Notifications OR tap bell icon on home

Types of Notifications You'll Receive

Notification	What It Means
Interest Credited	Your interest payment has been processed
Request Approved	Your request was accepted
Request Rejected	Your request was declined (tap to see why)
Maturity Reminder	Your investment is about to mature
Document Expiry	Your uploaded document needs renewal
New Announcement	Important update from the company

⚠️ Common Problems & Solutions

Problem	Why It Happens	How to Fix
Can't login - OTP not received	Network issue or wrong number	Check mobile number, ensure network, wait 30 sec and retry
Investment not showing	May be pending approval	Check My Requests section for status
Can't request redemption	Lock-in period not complete	Check investment details for lock-in expiry date
Profile update rejected	Documents didn't match or unclear	Read rejection reason, upload clearer documents
Session expired	App was idle too long	Login again with OTP