> ## Documentation Index
> Fetch the complete documentation index at: https://developer.moneyone.in/llms.txt
> Use this file to discover all available pages before exploring further.
# Data Flow Architecture
> PFM platform data flow, processing phases, and analytics response structures
### Data Flow Diagram
```mermaid theme={null}
flowchart TD
Start([PFM Journey Starts]) --> RaiseConsent[Raise Consent]
RaiseConsent --> ConsentCallback[Consent Callback]
ConsentCallback --> ConsentCheck{Consent Approved?}
ConsentCheck -->|No| ConsentRejected[Consent Rejected
No Data Received]
ConsentRejected --> EndRejected([Journey Ends])
ConsentCheck -->|Yes| StorePartialData[Store Partial Data
Link Reference, etc.]
StorePartialData --> WaitCallback[Wait for Data Callback]
WaitCallback --> DataCallback{Data Callback
Status}
DataCallback -->|Success| GenerateAnalytics[Generate Analytics
from FI Data]
GenerateAnalytics --> ShareAnalytics[Analytics Shared]
ShareAnalytics --> EndSuccess([PFM Journey Ends])
DataCallback -->|Failed| DataFailed[Data Callback Failed
FIP Issues]
DataFailed --> UserSeesFailed[Status as Failed]
UserSeesFailed --> EndFailed([PFM Journey Ends])
```
### Two Phases of Fetching Data
* A consent is raised with OneMoney when the user wants to initiate financial data sharing through PFM application
* The user can approve or reject the consent
* A consent callback is received, with the consent status (APPROVED or REJECTED)
* If the consent in APPROVED, partial data of the user (basic details like link reference number etc) are stored
* Data Callback is received for approved consents, which contains the raw FI data
* Analytics is generated on the FI data received
* On successful generation, the analytics is shared with the user
### Analytics Response Structure
For detailed field explanations and complete data structure references, see our [Analytics Data Dictionary](/pfm/mutual-funds-data-dictionary) which covers all analytics response fields in depth.
```json theme={null}
{
"status": "SUCCESS",
"data": {
"etfAnalysis": {
"overallAnalysis": {
"totalPortfolioValue": 250000,
"totalInvestedAmount": 200000,
"absolutePercentageReturn": 25.0,
"profitAmount": 50000,
"xirr": 12.5,
"portfolioConsolidatedAnalysis": [],
"accountDetails": [
{
"name": "John Doe",
"dob": "1990-01-15",
"mobile": "9876543210",
"nominee": "Jane Doe",
"dematId": "12345678901234567890",
"landline": "",
"address": "123 Main Street, City, State, 123456",
"email": "john.doe@example.com",
"pan": "ABCDE1234F",
"linkReferenceNumber": "LRN123456789",
"dataFetchTimeStamp": "2024-02-15T10:30:00Z"
}
],
"folioDetails": [
{
"folioNo": "ETF12345678",
"linkedAccRef": "ACC123456",
"totalFolioValue": 125000,
"totalInvestedAmount": 100000,
"dematId": "12345678901234567890"
}
]
},
"errorFlags": [],
"fundWiseAnalysis": [
{
"isin": "INF204KB17I5",
"fundName": "Nippon India ETF Nifty 50",
"accountDetails": [
{
"folioNo": "ETF12345678",
"linkedAccRef": "ACC123456"
}
],
"totalPortfolioValue": 125000,
"nav": 250.50,
"units": 500,
"lastNavDate": "2024-02-15"
}
],
"marketCapBasedAnalysis": {
"LARGE_CAP": {
"percentageContribution": 60.0,
"portfolioValue": 150000
},
"MID_CAP": {
"percentageContribution": 20.0,
"portfolioValue": 50000
},
"SMALL_CAP": {
"percentageContribution": 15.0,
"portfolioValue": 37500
}
}
}
}
}
```
```json theme={null}
{
"status": "SUCCESS",
"data": {
"mutualFundsAnalysis": {
"overallAnalysis": {
"totalPortfolioValue": 500000,
"totalInvestedAmount": 400000,
"absolutePercentageReturn": 25.0,
"profitAmount": 100000,
"xirr": 15.2,
"accountDetails": [
{
"name": "John Doe",
"dob": "1990-01-15",
"mobile": "9876543210",
"folioNo": "MF12345678",
"pan": "ABCDE1234F",
"kycCompliance": "COMPLIANT",
"ckycCompliance": "COMPLIANT"
}
]
},
"errorFlags": [],
"mutualFundWiseAnalysis": [
{
"isin": "INF090I01239",
"amcName": "HDFC Asset Management Company",
"fundName": "HDFC Equity Fund - Direct Plan - Growth",
"totalInvestedAmount": 200000,
"totalPortfolioValue": 250000,
"nav": 125.50,
"units": 1992.03,
"profitAmount": 50000,
"absolutePercentageReturn": 25.0,
"expenseRatio": 1.05,
"cagr": 18.5,
"xirr": 17.2,
"marketCapitalizationType": "LARGE_CAP",
"schemeCategory": "EQUITY"
}
]
}
}
}
```
```json theme={null}
{
"status": "SUCCESS",
"data": {
"equitiesAnalysis": {
"overallAnalysis": {
"totalInvestedAmount": 600000,
"totalPortfolioValue": 750000,
"profitAmount": 150000,
"absolutePercentageReturn": 25.0,
"accountDetails": [
{
"name": "John Doe",
"dob": "1990-01-15",
"mobile": "9876543210",
"dematId": "12345678901234567890",
"pan": "ABCDE1234F",
"email": "john.doe@example.com"
}
]
},
"errorFlags": [],
"stockWiseAnalysis": [
{
"currentlyInvested": true,
"totalPortfolioValue": 250000,
"units": 100,
"currentStockPrice": 2500,
"totalInvestedAmount": 200000,
"companyName": "Reliance Industries Limited",
"sector": "Oil & Gas",
"isin": "INE002A01018"
}
],
"marketCapBasedAnalysis": {
"LARGE_CAP": {
"percentageContribution": 70.0,
"profitAmount": 105000,
"portfolioValue": 525000
},
"MID_CAP": {
"percentageContribution": 20.0,
"profitAmount": 30000,
"portfolioValue": 135000
}
}
}
}
}
```
```json theme={null}
{
"status": "api contract to be added"
}
```
```json theme={null}
{
"status": "SUCCESS",
"data": {
"profiles": [
{
"link_reference_no": "LRN123456789",
"dob": "1990-01-15",
"pan": "ABCDE1234F",
"name": "John Doe",
"email": "john.doe@example.com",
"mobile": "9876543210",
"address": "123 Main Street, City, State, 123456",
"nominee": "Jane Doe",
"current_value": "250000",
"principal_amount": "200000",
"interest_on_maturity": "50000",
"interest_rate": "7.5",
"tenure": "60",
"opening_date": "2024-01-15",
"closing_date": "2029-01-15",
"bank_name": "HDFC Bank",
"data_fetch_date": "2024-02-15T10:30:00Z",
"is_partial_data": false
},
{
"link_reference_no": "LRN987654321",
"dob": "1990-01-15",
"pan": "ABCDE1234F",
"name": "John Doe",
"email": "john.doe@example.com",
"mobile": "9876543210",
"address": "123 Main Street, City, State, 123456",
"nominee": "Jane Doe",
"current_value": "150000",
"principal_amount": "100000",
"interest_on_maturity": "50000",
"interest_rate": "8.0",
"tenure": "36",
"opening_date": "2023-06-01",
"closing_date": "2026-06-01",
"bank_name": "SBI",
"data_fetch_date": "2024-02-15T10:30:00Z",
"is_partial_data": false
}
],
"overall_analytics": {
"link_reference_no_list": [
"LRN123456789",
"LRN987654321"
],
"reference_end_date": "2024-02-15",
"aggregated_term_deposits_amount": [
{
"data": {
"total_term_deposits_amount": 400000
}
}
],
"grouped_term_deposits_balance": [
{
"data": {
"term_deposit_balances": [
{
"bank_name": "HDFC Bank",
"total_amount": 250000,
"count": 1
},
{
"bank_name": "SBI",
"total_amount": 150000,
"count": 1
}
]
},
"config": {
"period": 30,
"sortby": "amount_desc",
"grouping": "bank_wise"
}
}
]
}
}
}
```
```json theme={null}
{
"status": "SUCCESS",
"data": {
"profiles": [
{
"link_reference_no": "LRN456789123",
"dob": "1990-01-15",
"pan": "ABCDE1234F",
"name": "John Doe",
"email": "john.doe@example.com",
"mobile": "9876543210",
"address": "123 Main Street, City, State, 123456",
"nominee": "Jane Doe",
"ckyc_compliance": "COMPLIANT",
"current_value": "65000",
"principal_amount": "60000",
"interest_rate": "6.8",
"interest_on_maturity": "12000",
"tenure": "24",
"opening_date": "2023-02-01",
"maturity_date": "2025-02-01",
"bank_name": "ICICI Bank",
"branch": "MG Road Branch",
"ifsc": "ICIC0001234",
"maturity_amount": "72000",
"recurring_amount": "2500",
"recurring_deposit_day": "1",
"data_fetch_date": "2024-02-15T10:30:00Z",
"is_partial_data": false
},
{
"link_reference_no": "LRN789123456",
"dob": "1990-01-15",
"pan": "ABCDE1234F",
"name": "John Doe",
"email": "john.doe@example.com",
"mobile": "9876543210",
"address": "123 Main Street, City, State, 123456",
"nominee": "Jane Doe",
"ckyc_compliance": "COMPLIANT",
"current_value": "45000",
"principal_amount": "36000",
"interest_rate": "7.2",
"interest_on_maturity": "10800",
"tenure": "18",
"opening_date": "2023-08-01",
"maturity_date": "2025-02-01",
"bank_name": "Axis Bank",
"branch": "Commercial Street Branch",
"ifsc": "UTIB0001567",
"maturity_amount": "46800",
"recurring_amount": "2000",
"recurring_deposit_day": "5",
"data_fetch_date": "2024-02-15T10:30:00Z",
"is_partial_data": false
}
],
"overall_analytics": {
"link_reference_no_list": [
"LRN456789123",
"LRN789123456"
],
"reference_end_date": "2024-02-15",
"aggregated_recurring_deposits_amount": [
{
"data": {
"total_recurring_deposits_amount": 110000
}
}
],
"grouped_recurring_deposits_balance": [
{
"data": {
"recurring_deposit_balances": [
{
"bank_name": "ICICI Bank",
"total_amount": 65000,
"count": 1
},
{
"bank_name": "Axis Bank",
"total_amount": 45000,
"count": 1
}
]
},
"config": {
"period": 30,
"sortby": "amount_desc",
"grouping": "bank_wise"
}
}
]
}
}
}
```