Where does my money go every month?

1 Finance is a SEBI-registered Investment Advisor that offers personalised financial planning and advice. We manage all your financial needs under one roof — from income and expenses to investments, taxes, insurance, loans, credit cards, retirement, and Will and estate planning.

We start with a MoneySign® assessment to understand your financial personality, then assign a dedicated Qualified Financial Advisor. Together, we assess your current financial situation, identify areas for improvement, suggest action steps to address any gaps or help you reach your milestones, and help you implement them.

As a SEBI-registered Investment Advisor, we do not sell products or earn commissions. We have a fiduciary responsibility to work in your best interest.

Before advising you, a Qualified Financial Advisor takes time to understand your finances and goals in detail and then prepares your financial plan. To give each new member considerable time, 1 Finance currently welcomes new members through referrals only and places others on a waitlist.

In the meantime, you can join the waitlist, take the MoneySign® assessment to understand your money habits, or become a member of the Personal Finance Club (PFC).

Your first consultation and financial plan are free. To get started, simply book a consultation with us. Next, complete the MoneySign® assessment online, either through our website or 1 Finance mobile app. Your dedicated advisor will meet with you at a time that works for you to gather your current financial details. Based on this information and your goals, we will create a personalised financial plan tailored just for you — no generic recommendations.

MoneySign® is the world's only patented financial personality assessment, registered in India, the USA, and Europe, that identifies your financial personality.

There are eight MoneySign® profiles based on patented technology: Vigilant Turtle, Persistent Horse, Far-Sighted Eagle, Opportunistic Lion, Virtuous Elephant, Enlightened Whale, Tactical Tiger, Stealthy Shark

MoneySign® helps us understand how you deal with money, including your risk tolerance, saving and investing habits, and priorities. This insight allows us to guide you better. Your financial plan, investment approach are all customized to fit your unique profile, not based on a one-size-fits-all template.

Your 1 Finance plan covers all aspects of your financial life, including income and expenses, investments, insurance, taxes, loans, credit cards, real estate, retirement, and estate planning. We take a comprehensive view, ensuring that all areas of your finances work together towards the life you want.

You will have a dedicated qualified financial advisor, not a rotating team. All our advisors hold NISM XA & XB certifications as required by SEBI, and many have additional qualifications such as CFP, CWM®, CFA, or CA. They not only possess these credentials, but they also have years of experience that make them qualified to guide you.

No. When you log back in, you'll be taken to exactly where you left off. Nothing is repeated, nothing is reset. You can simply upgrade the app to the latest version to experience the new additions.

Regular monitoring and check-ins are included in our priority and wealth plans. You can reach out to your dedicated advisor anytime for questions or clarity — there are no limits on consultations within your plan.

Your first financial plan and consultation is free. After that, we charge ₹10,000 per year for a priority membership. There are no commissions or hidden charges. By choosing the priority membership, you will enjoy several benefits, including a dedicated Qualified Financial Advisor, unlimited consultations, regular check-ins, and ITR filing.

No, we do not sell financial products. We provide qualified financial advice only. Your dedicated financial advisor recommends direct plans and instruments that are not tied to commissions. As a SEBI-registered Investment Advisor, we are committed to serving your best interests and do not sell any products.

1 Finance fetches three categories of data:

Bank accounts: balances and account information via the Reserve Bank of India's Account Aggregator framework.

Mutual funds: your complete portfolio across all fund houses, via MF Central.

Liabilities: outstanding loans and credit information.

This gives your advisor an accurate, up-to-date picture of your finances without you needing to manually add data and you can get a 360 degree view of all your finances.

No, you do not need to open a demat account to start with 1 Finance. We do not sell any financial products, and there is no need for new investments to begin your financial planning with us.

While a CA handles tax filing and accounting, we offer a comprehensive range of services to help you manage your finances more effectively. This includes income and expense planning, investment planning, insurance planning, tax planning, loan planning, retirement planning, and Will & estate planning.

Yes. Your data is collected only with your explicit consent and used solely to provide your financial plan. We don't sell or share it. We adhere to strict data protection regulations to ensure that your personal and financial information is kept safe and confidential.