1% Club

1% Club is a pioneering social finance and financial education platform designed to empower India’s aspiring middle class to achieve financial independence. The company’s mission is to bridge the gap between financial knowledge and actionable wealth-building for working professionals and young earners. The 1% Club began as a content-driven community and has rapidly evolved into a comprehensive platform offering financial education, advisory, and direct access to curated financial products. 

Core Products and Services

• Money School: Masterclasses and workshops led by financial experts, covering insurance, investing, tax planning and more.

• Community App: A social platform for peer learning, networking and exclusive events.

• Financial Tools: Calculators, goal planners and portfolio trackers tailored for Indian savers.

• Financial Products Marketplace: Curated insurance (via OneAssure), loans (via RupeeBoss), will services (via Yellow Wills) and tax filing (via Quicko), all integrated within the app.

• Personal CFO: A premium, SEBI-registered advisory service (powered by sister company One Centurion), offering one-on-one financial planning, insurance and loan advice, portfolio reviews and expense management by a team of 25+ certified plannerS.

Business Model & Revenue Streams

• Membership Fees (Primary Revenue): Over 60,000 paying members contribute annual or lifetime fees for access to masterclasses, community features and premium content.

• Advisory Fees: Revenue from Personal CFO and SEBI-registered advisory services, typically for higher-income users seeking bespoke planning.

• Product Commissions: Cross-selling curated financial products (insurance, loans, tax services) earns the platform referral and distribution fees.

• Events & Sponsorships: Monetization of exclusive events, workshops and brand partnerships.

Top Clients & Partnerships

• OneAssure & Insurance Samadhan: Insurtech partners for insurance distribution and claims support.

• RupeeBoss: Lending partner for personal and business loans.

• Yellow Wills: Will creation services, backed by Nikhil Kamath and Kunal Shah.

• Quicko: Tax filing and planning partner.

Future Outlook & Strategic Priorities

• Expand Personal CFO Service: Scale bespoke financial advisory to cater to high-net-worth individuals (HNIs) and affluent millennials.

• Strategic Partnerships: Deepen ties with financial product providers (insurance, lending, tax platforms) to enhance distribution and product depth.

• AI Automation: Deploy AI for content creation, research, and customer support to boost efficiency (already reduced workforce by 15% in late 2024).

• SEBI-Registered Advisory: Target ₹2,000 crore in Assets Under Advisory (AUA) by 2026 through regulated wealth management services.

• Membership Growth: Achieve 100,000+ paid members by 2026, leveraging community-driven virality and influencer-led marketing.

• Regulatory Scrutiny: Navigate evolving SEBI guidelines for finfluencer-led advisory and content monetization.