Personal Finance Made Simple for Indians
OneConsumer is India's leading personal finance platform, helping millions of Indians make smarter money decisions every day. From AI-powered financial coaching to exclusive BOB credit cards with up to 5% cashback, we simplify the complex world of personal finance. Whether you're looking to get a personal loan of up to ₹10 lakhs, build healthy savings habits, or finally understand your credit score, OneConsumer puts the power of financial clarity in your hands.
AI-Powered Financial Guidance Built for India
India's digital payment ecosystem processed over ₹200 lakh crore in transactions in FY 2023–24, yet financial literacy remains a challenge for most households. OneConsumer's AI financial advisor analyses your spending patterns, income profile, and financial goals to deliver personalised recommendations — no jargon, just clarity.
According to a 2023 SEBI study, only 27% of Indian adults are financially literate, leaving millions vulnerable to poor financial decisions. Our conversational AI coach bridges this gap by translating complex financial concepts into actionable steps you can take today — whether you earn ₹30,000 a month or ₹3 lakhs.
"Personalised financial advice used to be reserved for the wealthy. OneConsumer democratises it for every Indian household."
— OneConsumer Financial Advisory Team
Exclusive Co-Branded Credit Cards with BOB
Choosing the right credit card can save Indian consumers an average of ₹15,000–₹40,000 annually in rewards and cashback. OneConsumer partners with Bank of Baroda (BOB) to offer co-branded credit cards — the BOBCARD Cashback and BOBCARD Eterna — designed for India's digitally-native consumers.
The BOBCARD Cashback card delivers up to 5% cashback on fuel, travel, and online purchases. The BOBCARD Eterna rewards premium spenders with travel miles and lifestyle privileges. Both cards are backed by RBI-regulated banking infrastructure, ensuring your data and transactions are always protected. Over 75% of Indian millennials now use credit cards for online purchases, making a rewards-optimised card an essential financial tool.
Personal Loans Up to ₹10 Lakhs — Fast and Transparent
Need funds for a home renovation, a wedding, or a medical emergency? OneConsumer connects you with personal loan offers of up to ₹10 lakhs from trusted RBI-regulated lenders, with EMIs starting at just ₹2,450 per month. Our platform compares rates across multiple banks so you always receive the most competitive offer — with fully transparent terms and zero hidden charges.
75% of Indian millennials prefer digital-first loan applications, and OneConsumer delivers exactly that: a completely online process from application to disbursement in as little as 24 hours.
Financial Education That Builds Lasting Confidence
Financial literacy is the foundation of wealth creation. OneConsumer's course library covers everything from credit card basics and mutual fund investing to tax planning and debt management. Each module is designed to be completed in under 10 minutes, making it easy to build knowledge even with a demanding schedule.
Over 50,000 Indians have already improved their financial confidence through OneConsumer's guided learning paths. Join a growing community of financially empowered individuals who are making smarter decisions about savings, investments, and credit every single day.
