1% Club
1% Club is an AI-first personal finance platform for Indian retail consumers that consolidates investments, spending, savings, and insurance into a single mobile app with an AI financial co-pilot, supplemented by masterclasses and ecosystem sub-brands for insurance, planning, and trading education.
- Company typePrivate
- Founded2022
- HeadquartersMumbai, India
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What 1% Club does
1% Club, operated by One Club Ventures Private Limited and headquartered in Mumbai, is an AI-first personal finance platform serving Indian retail consumers seeking financial tracking, investment guidance, credit card optimization, insurance advisory, and financial education. The core product is a mobile application (iOS and Android) that consolidates a user's complete financial life — investments, spending, savings, and insurance — into a unified dashboard powered by an AI financial co-pilot that delivers personalized insights and recommendations via natural language. The platform is SEBI-registered as both an Investment Adviser (RIA: INA000018896) and Research Analyst (RA: INH000023968), and uses India's regulated Account Aggregator infrastructure to securely aggregate user financial data across institutions.
The company monetizes through monthly subscriptions for full platform access (including the AI co-pilot, portfolio recommendations, credit card optimization, insurance advisory, and Money School educational content), supplemented by one-time payments for individual masterclasses (Retire Early, Stock Market, Credit Card, Tax, Car) delivered live via Zoom. A free suite of 12 financial planning calculators (FIRE, SIP, MF, FD, RD, Tax, NPS, CAGR, Goal SIP, NSC, HRA, SSY) drives organic SEO-based top-of-funnel acquisition. The distribution model is community-led and creator-led, anchored by founder Sharan Hegde's personal brand on Instagram (3M+ followers) and YouTube (3.7M subscribers), which has translated into a claimed 600,000+ user community and 4 lakh+ cumulative masterclass attendees.
The company operates a broader ecosystem of sub-brands under One Club Ventures: Pillow (insurance advisory), PersonalCFO (financial planning services), and Bombay Trading School (algo-first trading education), each targeting adjacent financial use cases. The platform is strategically backed by Gruhas, the investment vehicle co-founded by Zerodha's Nikhil Kamath and Abhijeet Pai. The team consists of 11–50 employees led by Founder & CEO Sharan Hegde and Co-Founder Raghav Gupta, with a recently assembled executive bench including CPO, CTO, SVP R&D, and VPs across Sales, Strategy & Growth, Finance, and HR.
1% Club firmographics
Firmographics- Name
- 1% Club
- Legal name
- One Club Ventures Private Limited
- Website
- https://onepercentclub.io
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- 1% Club is an AI-first personal finance platform for Indian retail consumers that consolidates investments, spending, savings, and insurance into a single mobile app with an AI financial co-pilot, supplemented by masterclasses and ecosystem sub-brands for insurance, planning, and trading education.
- Ownership category
- akta.pro rank
1% Club industry classification
Industry- Product category
- Personal Finance Software
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Net Worth & Personal Balance Sheet Tracking (FSAGADAF)
- akta.pro secondary industries
- Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH), Digital Brokerage & Self-Directed Investing Platforms (FSAGAEAC), Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH)
Keywords
Where 1% Club is headquartered
LocationHeadquarters
- HQ city
- Mumbai
- HQ country
- India
- HQ region
- Asia
Offices3 records
Markets served
1% Club business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Membership/Subscription: Paid membership providing full access to the AI financial co-pilot, investment tracking, portfolio recommendations, credit card optimization, insurance advisory, and Money School educational content. This is the primary recurring revenue stream.
- Masterclasses: Live Zoom-based masterclasses on personal finance topics (Retire Early by Sharan Hegde, Stock Market by Shashank Udupa, Credit Card by Aly Hajiani, Tax by Nitesh Buddhadev, Car by Rohit Iyer) sold individually or as part of membership. Over 4 lakh cumulative attendees.
- Educational Courses: Personal Finance course by Sharan Hegde (minimum 50% completion required for refunds), along with curated modules on financial planning topics available within the platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | One-time per class | Core Masterclasses (Retire Early, Stock Market) — high enrollment tracks with 300,000+ and 100,000+ attendees respectively |
| Subscription | One-time per class | Specialised Masterclasses (Credit Card, Tax, Car) — lower enrollment tracks (21,000, 5,000, 1,000+ attendees) |
| Subscription | Monthly | Membership — full platform access including AI co-pilot, investment tracking, Money School |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels8 records
1% Club product offering
Product offeringCore offering
1% Club operates an AI-first personal finance platform delivered through a mobile and web app, combining financial tracking, expert-curated investment portfolios, credit card reward optimisation, unbiased insurance advisory, and a financial education programme (Money School) into a single ecosystem. The core product is an AI Financial Co-pilot that analyses the user's complete financial picture across investments, spending, savings, and insurance to deliver personalised insights and recommendations, supplemented by live masterclasses, a suite of free planning calculators, and ecosystem brands covering insurance and trading education.
Product overview
1% Club is an AI-first personal finance ecosystem comprising a core mobile application integrated with an AI financial co-pilot, supplemented by educational offerings including masterclasses and financial planning tools. The core 1% Club App provides AI-powered tracking, investing, spending optimization, and insurance advisory, while the Money School delivers financial education content. Additional offerings include specialized masterclasses (Retire Early, Stock Market, Credit Card, Tax, Car), a suite of 12 free financial planning tools (FIRE, SIP, MF, FD, RD, Tax, NPS, CAGR, Goal SIP, NSC, HRA, SSY calculators), and sub-brands Pillow (insurance), Personal CFO (financial planning), and Bombay Trading School (algorithmic trading education). The ecosystem is backed by Gruhas (co-founded by Nikhil Kamath and Abhijeet Pai) and operates as part of One Club Ventures Private Limited.
Differentiator
Problem solved
Functional benefit
Brands
- Pillow: Insurance advisory services providing unbiased insurance advice
- PersonalCFO
- BTS
Products and services
- 1% Club App
Quantifiable outcome
- Trusted by 6L+ (600,000+) Indians making confident money decisions
- +4 more outcomes
Companies that use 1% Club
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles3 records
1% Club technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability6 records
Feature6 records
1% Club partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor and core.
- Pillow (Insurance)minorPillow is one of the brand ecosystem siblings under the One Club Ventures umbrella, alongside 1% Club, PersonalCFO, and Bombay Trading School (BTS).
- PersonalCFOminorPersonalCFO is one of the brand ecosystem siblings under the One Club Ventures umbrella, alongside 1% Club, Pillow, and Bombay Trading School (BTS).
- Bombay Trading School (BTS)minorBombay Trading School (BTS) is one of the brand ecosystem siblings under the One Club Ventures umbrella. BTS is India's first algo-first trading school, taught by SEBI-registered Research Analysts, for working professionals wanting to learn systematic trading.
- Account Aggregator (regulated infrastructure)core1% Club uses SEBI-regulated Account Aggregator infrastructure to securely access and consolidate user financial data across institutions, with explicit user consent. This enables the unified financial dashboard and AI co-pilot analysis. Not a named commercial partner but a critical regulated infrastructure integration.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
1% Club competitors and assessment
Company assessmentDirect peers
- ET Money: ET Money is a Times Group-backed Indian personal finance platform offering mutual fund investing, loans, and credit cards—competing in the same multi-product financial wellness category as 1% Club.
- Tickertape: Tickertape provides mutual fund and stock analytics, screeners, and comparison tools for Indian retail investors, overlapping with 1% Club's investment tracking and research-backed portfolio modules.
- Kuvera: Kuvera is a SEBI-registered investment adviser platform focused on goal-based mutual fund investing and direct plans—the closest analog to 1% Club's research-backed portfolio recommendations serving the same Indian retail investor persona.
- INDmoney: INDmoney is a direct competitor in India's personal finance management space, offering a unified dashboard to track net worth across investments, bank accounts, and spending, with personalized advisory—closely aligned with 1% Club's core value proposition.
- INDWealth: INDWealth is an Indian wealth management platform targeting affluent investors with portfolio advisory, financial planning, and analytics—comparable to 1% Club's PersonalCFO arm and unified dashboard.
Broad incumbents
- ClearTax: ClearTax is an Indian tax-filing and financial-services platform serving consumers and businesses—a broad incumbent whose tax-related offerings intersect with 1% Club's Tax masterclass and personal-finance positioning.
- Groww: Groww is a well-funded incumbent Indian investment platform spanning mutual funds, stocks, and ETFs with over 50M+ users—a broader incumbent in the same retail-investing category where 1% Club operates.
- Zerodha: Zerodha is India's largest retail stockbroker and the parent ecosystem of 1% Club's investor Gruhas—broad incumbent in Indian investing whose customer base and tooling partially overlap with 1% Club's investment audience.
Emerging players
- Smallcase: Smallcase enables thematic and model-portfolio investing in Indian markets—adjacent to 1% Club's research-backed portfolio recommendation experience and overlapping on the target retail-investor persona.
- Jupiter: Jupiter is an Indian neobank that bundles a PFM-style spending/investing dashboard—overlapping functionally with 1% Club as a competing first stop for Indian consumers' money decisions.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
1% Club social profiles
Digital presence1% Club compliance and trust
Trust signalCompliance3 records
1% Club financial estimates
Financial estimateRevenue estimate
Valuation estimate
1% Club leadership team
Management profileNumber of profiles
Profiles9 records
1% Club subsidiaries and ownership
Company hierarchySubsidiaries3 records
1% Club funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
1% Club 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 1% Club
What does 1% Club do?
1% Club operates an AI-first personal finance platform delivered through a mobile and web app, combining financial tracking, expert-curated investment portfolios, credit card reward optimisation, unbiased insurance advisory, and a financial education programme (Money School) into a single ecosystem. The core product is an AI Financial Co-pilot that analyses the user's complete financial picture across investments, spending, savings, and insurance to deliver personalised insights and recommendations, supplemented by live masterclasses, a suite of free planning calculators, and ecosystem brands covering insurance and trading education.
Is 1% Club a public or private company?
1% Club is a private company. It is classified as venture growth investor backed and is currently operating.
When was 1% Club founded?
1% Club was founded in 2022. It employs 11 to 50 people.
Where is 1% Club based?
1% Club is headquartered in Mumbai, India, in the Asia region.
How does 1% Club make money?
Three revenue lines are on record. Membership/Subscription is the primary driver. The others are masterclasses and educational Courses.
Who are 1% Club's main competitors?
Direct peers on record are ET Money, Tickertape, Kuvera, INDmoney and INDWealth. Broad incumbents are ClearTax, Groww and Zerodha. Emerging players are Smallcase and Jupiter.
Does 1% Club have an API?
No public API is recorded for 1% Club.
What industry is 1% Club in?
1% Club's product category is Personal Finance Software. Its primary akta.pro industry code is FSAGADAF, Net Worth & Personal Balance Sheet Tracking, with a secondary code of FSAGADAH, Financial Education & Coaching (Digital Programs, Tools). Its NAICS code is 523940 and its SIC code is 6282.