OneBanc
OneBanc is an India-based B2B2C neobank offering AI-driven payroll banking, expense management, and financial wellness to enterprise workforces via a mobile-first platform integrated with RBI-licensed partner banks, serving 100+ corporate clients across technology, BFSI, and manufacturing sectors.
- Company typePrivate
- Founded2019
- HeadquartersGurugram, India
- Headcount51–100
- GTM typeB2B and B2C
- OfferingSoftware
What OneBanc does
OneBanc Technologies Private Limited is an India-based B2B2C neobank founded around 2019 by Vibhore Goyal (a serial entrepreneur who previously built CoCubes, which was acquired by Aon) and headquartered in Gurugram. The company operates a mobile-first AI-driven banking platform that connects enterprises, banks, and HR technology platforms to deliver payroll-linked banking, expense management, and financial wellness services to Indian working professionals earning a minimum of 4 LPA CTC. Its core technical offering is the Employer Money Tracking System — an automated fund routing and reconciliation platform that issues Employer Branded Virtual Account Numbers for salary disbursement and integrates with RBI-licensed partner banks for core banking services (salary accounts, numberless AI Card, UPI, NEFT, BBPS bill payments).
The product surface has expanded from pure payroll banking into adjacent verticals through strategic partnerships: Corporate Ride Benefits with Namma Yatri (announced January 2026) integrates corporate mobility, and the Corporate Healthcare Hub with Tata 1mg (announced January 2026) embeds predictive AI-driven healthcare services into the payroll infrastructure. Compliance breadth is a defining operational feature: OneBanc holds SEBI Investment Adviser registration (INA000020174), IRDAI Corporate Agent (Composite) license, PCI DSS 4.0, ISO 27001, SOC 2, GDPR, and DPDPA certifications.
The business model generates revenue across four streams: B2B employer partnership subscription fees, transaction and payment processing fees, insurance distribution commissions (via IRDAI Corporate Agent status), and investment advisory fees (via SEBI registration). Distribution is exclusively through enterprise sales — companies must contact OneBanc directly to onboard, and employees access the platform via iOS, Android, Windows, and Mac applications. OneBanc reports 100+ enterprise clients and 50+ merchant partners, with operations confined to India.
OneBanc firmographics
Firmographics- Name
- OneBanc
- Legal name
- OneBanc Technologies Private Limited
- Website
- https://onebanc.ai
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- OneBanc is an India-based B2B2C neobank offering AI-driven payroll banking, expense management, and financial wellness to enterprise workforces via a mobile-first platform integrated with RBI-licensed partner banks, serving 100+ corporate clients across technology, BFSI, and manufacturing sectors.
- Ownership category
- akta.pro rank
OneBanc industry classification
Industry- Product category
- Neobanking Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Corporate Cards & Spend Controls (FSAGAJAF)
Keywords
Where OneBanc is headquartered
LocationHeadquarters
- HQ city
- Gurugram
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
OneBanc business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- B2B Employer Partnership Fees: OneBanc connects enterprises, banks, and HR tech platforms to enhance value for all stakeholders. Revenue is generated through employer partnerships where companies pay for access to the neobanking platform for their workforce.
- Transaction and Payment Processing Fees: Facilitates banking transactions, UPI transactions, savings pockets, bill payments, and card transactions. Fees are charged on transaction processing, ATM withdrawals, and other banking services.
- Insurance Distribution (Corporate Agent): As an IRDAI-licensed Corporate Agent (Composite), OneBanc earns commissions from distributing life, general, and health insurance products from partner insurers.
- Investment Advisory Services: As a SEBI-registered Investment Adviser (INA000020174), OneBanc provides investment advice based on client risk profiling and suitability assessments, generating advisory fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | B2B Enterprise Plans (Employer-Specific) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
OneBanc product offering
Product offeringCore offering
OneBanc is a B2B2C neobank that operates an AI-driven salary and expense management platform connecting enterprises, banks, and HR tech platforms. It provides a mobile-first digital salary account with a numberless AI card, automated payroll disbursement, expense tracking, and reconciliation. Add-on modules include corporate mobility, embedded healthcare, investment advisory, and insurance distribution for Indian working professionals accessed through employer partnerships with RBI-licensed banks.
Product overview
OneBanc is a neobank building the economic infrastructure for India's workforce. The core offering is a mobile-first neobanking platform (iOS, Android, Windows, Mac) that delivers intelligent banking experiences in partnership with RBI Licensed Partner Banks. The flagship product is the AI-driven 'Numberless Card' tied to salary accounts. The platform operates on a modular architecture centered on the Employer Money Tracking System, which enables automated payroll disbursement, expense management, and reconciliation. Add-on modules include Corporate Ride Benefits (Namma Yatri partnership for corporate mobility), Corporate Healthcare Hub (Tata 1mg partnership for health services), Investment Advisory (SEBI-registered), Insurance Distribution (IRDAI Corporate Agent), Savings Pockets, and Video KYC. The platform connects enterprises, banks, and HR Tech platforms to enhance value for India's 150M+ young and emerging consumers.
Differentiator
Problem solved
Functional benefit
Products and services
- OneBanc AI Card
- Salary Account
- Current Account
- Savings Pocket / Savings Plan
- Employer Money Tracking System
- Investment Advisory Services
- Insurance Distribution (Corporate Agent)
- Corporate Ride Benefits
- Corporate Healthcare Hub
Quantifiable outcome
- Transparent sourcing in corporate mobility could save large enterprises over $10 million per year (Deloitte estimates cited in partnership announcement)
- +1 more outcomes
Companies that use OneBanc
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles2 records
OneBanc technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability3 records
Feature5 records
OneBanc partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Namma YatricoreNamma Yatri, an ONDC-backed open mobility platform with a zero-commission driver-first model, partnered with OneBanc to launch 'Corporate Ride Benefits' — an integrated corporate mobility solution that automates employee travel bookings, expense capture, policy enforcement, and invoicing. The collaboration integrates Namma Yatri's business rides with OneBanc's Employer Money Tracking System to create audit-ready expense data and streamline corporate travel operations for Indian enterprises. India's corporate local transport market is estimated at $2.5-3 billion annually.
- Tata 1mgcoreTata 1mg and OneBanc partnered to embed healthcare services directly into OneBanc's AI-driven salary infrastructure, creating a personalized health hub within corporate payroll systems in India. OneBanc's AI SmartRoute technology predicts employee healthcare needs and triggers timely nudges, leveraging Tata 1mg's medicines inventory, NABL-accredited diagnostics, and delivery network. The partnership targets India's corporate health market exceeding Rs 12,000 crore annually.
- RBI-Licensed Partner BankscoreOneBanc partners with RBI-licensed banks to issue salary accounts, AI cards, and provide core banking services. All money deposited through OneBanc is held with these partner banks. The cards are issued by partner banks, and the banks manage KYC processes, account maintenance, interest, and settlement of funds.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
OneBanc competitors and assessment
Company assessmentDirect peers
- Fi Money: AI-driven Indian neobank providing salary accounts, savings, investments, and UPI-based payments to salaried millennials. Comparable on AI-led personalization and workforce banking positioning.
- Niyo Solutions: Indian neobank offering salary accounts, digital banking, and corporate cards to working professionals. Operates a similar B2B2C model through employer partnerships and competes head-to-head with OneBanc for the same enterprise clients.
- FamPay: Indian neobank offering numberless cards and digital payment accounts, with an explicit focus on young/emerging consumers through family and school partnerships. Comparable on numberless-card feature and youth demographic.
- Jupiter: India-focused neobank targeting salaried working professionals with salary accounts, savings, investments, and bill payments. Closest direct competitor in product positioning and target segment.
- CRED: Premium Indian fintech platform serving high-credit-worth salaried users with credit card bill payments, lending, and commerce. Comparable on salaried user base and neobanking-adjacent product set, though CRED targets higher-income brackets.
- Karbon Card: India-based corporate card and spend management platform for businesses. Comparable on the corporate-card-plus-expense-control value proposition for employer customers.
- Open Financial Technologies: B2B neobank for SMEs and enterprises offering business banking, expense management, corporate cards, and automated payroll/payments. Comparable on the corporate spend management and employer-money-tracking use cases.
Others
- Keka HR: India-focused HR and payroll software platform. Adjacent rather than directly competitive — operates in the same enterprise HR-tech stack where OneBanc's Employer Money Tracking System plugs in, representing a potential channel partner or ecosystem overlap.
Broad incumbents
- Zeta: B2B banking and payments technology provider serving banks and enterprises with core banking, card issuance, and corporate spend platforms. Comparable as broader incumbent powering similar functionality for large institutions.
- Razorpay: India's leading payment gateway and broader fintech platform with RazorpayX serving business banking and corporate payouts. Comparable as broad incumbent in the Indian fintech infrastructure layer, including B2B payouts and payroll.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
OneBanc social profiles
Digital presenceOneBanc compliance and trust
Trust signalCompliance6 records
OneBanc financial estimates
Financial estimateRevenue estimate
Valuation estimate
OneBanc leadership team
Management profileNumber of profiles
Profiles5 records
OneBanc funding detail
Funding detailFunding overview
Funding rounds2 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OneBanc M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about OneBanc
What does OneBanc do?
OneBanc is a B2B2C neobank that operates an AI-driven salary and expense management platform connecting enterprises, banks, and HR tech platforms. It provides a mobile-first digital salary account with a numberless AI card, automated payroll disbursement, expense tracking, and reconciliation. Add-on modules include corporate mobility, embedded healthcare, investment advisory, and insurance distribution for Indian working professionals accessed through employer partnerships with RBI-licensed banks.
Is OneBanc a public or private company?
OneBanc is a private company. It is classified as venture growth investor backed and is currently operating.
When was OneBanc founded?
OneBanc was founded in 2019. It employs 51 to 100 people.
Where is OneBanc based?
OneBanc is headquartered in Gurugram, India, in the Asia region.
How does OneBanc make money?
Four revenue lines are on record. B2B Employer Partnership Fees are the primary driver. The others are transaction and Payment Processing Fees, insurance Distribution (Corporate Agent) and investment Advisory Services.
Who are OneBanc's main competitors?
Direct peers on record are Fi Money, Niyo Solutions, FamPay, Jupiter, CRED, Karbon Card and Open Financial Technologies. Keka HR is listed as an others. Broad incumbents are Zeta and Razorpay.
Does OneBanc have an API?
No public API is recorded for OneBanc.
What industry is OneBanc in?
OneBanc's product category is Neobanking Platform. Its primary akta.pro industry code is FSAGAJAF, Corporate Cards & Spend Controls. Its NAICS code is 522320 and its SIC code is 6199.