Managing money is not only about saving and investing. It also involves planning taxes, insurance, loans, retirement, expenses, and future financial goals. 1 Finance: Financial Advisory is a personal finance app designed to help users manage these different areas in one place.
The app combines financial planning with professional advisory services. It brings together information about bank accounts, investments, loans, and mutual funds to give users a broader view of their finances. It also provides services such as investment planning, insurance planning, retirement planning, tax planning, and loan management.
1 Finance is available for Android users through Google Play.
Download 1 Finance: Financial Advisory:
https://play.google.com/store/apps/details?id=app.onefin
What Is 1 Finance: Financial Advisory?
1 Finance is a personal finance and financial advisory app from 1 Finance Private Limited. The company states that it is a SEBI-registered investment advisor, with registration number INA000017523. The app provides financial planning through Qualified Financial Advisors (QFAs).
The main purpose of the app is to help users create a financial plan based on their individual goals and financial situation.
Instead of focusing only on investments, 1 Finance takes a wider approach. It covers areas such as income, expenses, investments, insurance, taxes, loans, retirement, and estate planning.
According to the Google Play listing, the app has more than 100,000 downloads and was updated on July 26, 2026.
Key Features of 1 Finance
1. Personalised Financial Planning
One of the main features of 1 Finance is personalised financial planning.
The app allows users to provide information about their finances and goals. A Qualified Financial Advisor can then help create a financial plan based on the user’s situation.
This can be useful for people who are not sure how to divide their income between spending, saving, investing, insurance, and other financial priorities.
2. Investment Planning
1 Finance provides investment planning for different types of assets.
According to the app listing, advisors can review portfolios containing mutual funds, equities, and real estate. The service can help identify gaps, concentration risks, inefficient investments, and possible portfolio changes.
The goal is to make investment decisions based on the user’s financial objectives rather than simply choosing individual financial products.
3. Mutual Fund and Investment Tracking
The app can bring information about investments and mutual funds together with other financial information.
This gives users a more complete picture of their financial position. Instead of checking different platforms separately, users can review important financial information through one dashboard.
4. Tax Planning and ITR Filing
Tax planning is another important part of 1 Finance.
The app offers CA-assisted ITR filing and tax planning. According to the Google Play listing, a Chartered Accountant can review income, capital gains, deductions, and potential tax-saving opportunities.
The service is not limited to filing an income tax return. It also includes tax-planning guidance intended to help users make tax-efficient financial decisions while remaining compliant with tax rules.
5. Insurance Planning
Choosing the right insurance coverage can be difficult because everyone’s financial responsibilities are different.
1 Finance provides insurance planning for areas such as term insurance, life insurance, and health insurance.
The service can help users review their existing coverage and identify whether they may be underinsured or carrying unnecessary coverage.
6. Loan and Liability Management
Loans can have a major impact on long-term financial planning.
1 Finance allows users to track loans and EMIs and provides guidance on repayment strategies. The app states that its advisors can help users work toward reducing interest costs and managing debt more effectively.
This can be useful for people managing home loans, personal loans, or multiple EMIs.
7. Retirement Planning
Retirement planning is easier when you start early.
1 Finance helps users define retirement goals, estimate future financial requirements, and create an investment strategy around those goals.
A retirement plan can take into account factors such as current savings, investments, expected expenses, and the amount of money needed in the future.
8. Income and Expense Planning
Understanding your cash flow is an important part of financial management.
1 Finance provides income and expense planning to help users organize their earnings, spending, savings, and financial priorities.
This can help users understand where their money goes and make better decisions about future savings and investments.
9. Will and Estate Planning
Financial planning is not only about the present. It can also include planning for your family’s future.
1 Finance provides Will and Estate Planning services. The app states that users can create a legally valid will to help ensure their assets are distributed according to their wishes.
This can be particularly important for people who have investments, property, savings, or other assets that need to be planned for the future.
10. DocuLocker
The app also includes DocuLocker, a feature for storing important financial documents.
According to the Google Play listing, users can store documents such as ITRs, investment statements, insurance policies, and wills. The service includes 200 MB of storage secured on AWS infrastructure.
Keeping important financial documents together can make them easier to access when needed.
MoneySign Assessment
1 Finance also offers MoneySign, a financial personality assessment.
The assessment is designed to understand how users approach money and financial decisions. The company describes MoneySign as a patented money personality assessment available in India and the United States.
The assessment is part of the process used to help create a more personalised financial plan.
How to Get Started With 1 Finance
Getting started with the app involves a few basic steps:
- Download the 1 Finance app.
- Create an account and sign in.
- Securely link eligible financial accounts.
- Complete the MoneySign assessment.
- Receive a personalised financial plan.
- Discuss the plan with a Qualified Financial Advisor.
The company’s website currently states that the first financial plan is free, while its paid planning service includes features such as ongoing consultations and updates. Users should check the current pricing before subscribing or purchasing a service.
Does 1 Finance Sell Financial Products?
According to the app’s Google Play listing, 1 Finance does not sell financial products or earn commissions from recommendations. It describes itself as a SEBI-registered investment advisor and says its advisory approach is commission-free.
This distinction is important because users should understand whether financial advice comes from a product-selling model or an advisory model.
Privacy and Data Safety
Financial apps handle sensitive information, so privacy and security are important considerations.
Google Play currently states that 1 Finance does not share data with third parties according to the developer’s declaration. It also states that the app may collect location, personal information, and other data. Google Play indicates that data is encrypted in transit and that users can request deletion of their data.
Users should always review the latest privacy policy and data-safety information before connecting bank accounts or other financial information.
Pros and Cons of 1 Finance
Pros
- Personalised financial planning
- Investment planning
- Mutual fund and equity portfolio review
- Tax planning and CA-assisted ITR filing
- Insurance planning
- Loan and EMI management
- Retirement planning
- Income and expense planning
- Will and estate planning
- Financial document storage
- Qualified Financial Advisors
- SEBI-registered investment advisory service
- No commissions on financial product recommendations, according to the company
Cons
- Financial planning services may require payment after the initial offering
- Users need to provide sensitive financial information for personalised planning
- Investment returns cannot be guaranteed
- Some users may prefer managing their finances without professional advisory services
- Availability and pricing of services can change
Is 1 Finance Good for Beginners?
1 Finance can be useful for people who are new to financial planning and do not know where to start.
Instead of focusing on just one investment, the app looks at different parts of personal finance. This can help beginners understand how income, expenses, investments, insurance, loans, taxes, and retirement planning are connected.
Professional guidance can also make complex financial topics easier to understand.
Is 1 Finance Useful for Experienced Investors?
Experienced investors may also find the app useful if they want a broader review of their finances.
For example, someone may have mutual funds, stocks, insurance policies, loans, and retirement investments spread across different platforms. Bringing these areas together can make it easier to review the overall financial picture.
The investment planning feature can also help identify portfolio concentration, gaps, and possible cost issues.
Frequently Asked Questions
What is 1 Finance?
1 Finance is a personal finance advisory and financial planning app that helps users manage investments, taxes, insurance, loans, retirement, expenses, and other financial needs.
Is 1 Finance a SEBI-registered advisor?
Yes. 1 Finance Private Limited states that it is a SEBI-registered Investment Advisor with registration number INA000017523.
Does 1 Finance provide investment advice?
Yes. The app provides investment planning and portfolio review through its Qualified Financial Advisors.
Can I use 1 Finance for tax planning?
Yes. 1 Finance provides tax planning and CA-assisted ITR filing services.
Does 1 Finance help with retirement planning?
Yes. Retirement planning is one of the financial planning services offered through the app.
Can I track loans in 1 Finance?
Yes. The app includes loan and liability management, including loan and EMI tracking.
Does 1 Finance provide insurance planning?
Yes. Users can get guidance on term, life, and health insurance coverage.
Is 1 Finance free?
The Google Play listing describes the app and its advisory services, while the company’s website currently says the first financial plan is free and that paid plans are available afterward. Pricing and included services may change, so users should check the current terms before purchasing.
Final Verdict
1 Finance: Financial Advisory is designed to provide a complete approach to personal financial planning. Instead of concentrating only on investments, it covers areas such as income, expenses, investments, insurance, taxes, loans, retirement, wills, and estate planning.
Its combination of financial tracking and professional advice can be useful for people who want help creating a structured financial plan.
The app may be especially helpful for users who have multiple investments, loans, insurance policies, and financial goals but want to understand how everything fits together.
If you are looking for a financial advisory app in India that combines personal financial planning with professional guidance, 1 Finance is worth exploring.
1 Finance App Details
App Name: 1 Finance: Financial Advisory
Developer: 1 Finance Private Limited
Category: Finance
Platform: Android
Downloads: 100K+
SEBI RIA Registration: INA000017523
Latest Google Play Update: July 26, 2026
Download 1 Finance from Google Play:
https://play.google.com/store/apps/details?id=app.onefin
Important: Financial products and investments involve market risks. This article is for general information and is not financial or investment advice. Always review the relevant documents and consider your own financial situation before making investment decisions.