What is OneStep and how does it work?

OneStep is an AI financial coach for Indian salaried professionals. You complete a 5-minute onboarding sharing your income, expenses, loans, and goals. OneStep uses that information to give personalised, specific advice on credit cards, SIPs, tax filing, and loans — not generic rules. No bank login required.

Does OneStep connect to my bank or investment accounts?

No. OneStep does not connect to your bank, UPI apps, or broker. It learns your financial situation through a structured onboarding — you share the numbers that matter (income, expenses, loans, goals) and advice is built from that. You control exactly what you share.

What is Section 80C and how much tax can I save in India?

Section 80C of the Income Tax Act, 1961 lets salaried taxpayers deduct up to ₹1.5 lakh from taxable income per year under the old tax regime. At the 20% tax slab (₹6L–₹9L income), fully utilising 80C saves ₹30,000 in tax. At the 30% slab (above ₹15L), it saves ₹45,000. Most professionals leave tens of thousands unused by not topping up EPF contributions with ELSS mutual funds or PPF before March 31.

What CIBIL score do I need to get a credit card in India?

Most Indian banks require a CIBIL score of 700–750 for a basic unsecured credit card. Premium cards require 750+. If your score is -1 or NH (no credit history), secured credit cards backed by a fixed deposit are the standard starting point — available from SBI, HDFC, and Axis. Using one responsibly for 6–12 months typically builds a score from NH to 700+.

How much does OneStep cost?

OneStep is completely free — no credit card required, no subscription, no hidden fees. There's no commission and no incentive for us to push any particular product. A single session with a SEBI-registered advisor in India typically costs ₹2,000–₹5,000. OneStep gives you an always-available coach for every money question, at zero cost.

Old regime or new tax regime — which is better for me?

The new tax regime (default from FY 2023-24) has lower slab rates but removes deductions including 80C, 80D, and HRA. If your total annual deductions exceed ₹3.5 lakh, the old regime typically saves more. If deductions are below ₹1.5 lakh, the new regime usually wins. OneStep calculates the exact break-even point for your income and current deductions.

How is OneStep different from Groww, Zerodha, or ET Money?

Groww and Zerodha earn brokerage when you buy funds or stocks. ET Money earns from insurance and fund sales. OneStep earns nothing from transactions — it is completely free. Its only incentive is advice that works for you. It also covers your full financial picture simultaneously — debt, tax, savings, and goals — rather than one product category.

Can I use OneStep in Hindi or Hinglish?

Yes. Switch language at any time mid-conversation. Hinglish works naturally — 'Mujhe SIP shuru karni chahiye kya?' gets the same quality answer as 'Should I start a SIP?' Hindi-first support is native, not a translation layer.

Stop guessing about your

credit card.

Get a straight answer.

You have a salary. You don't have a coach.
OneStep is India's AI financial coach. Tell it your income, your loans, your goals. Get a specific answer on credit cards, SIPs, tax, or home loans in seconds. In English, Hindi, or Hinglish.

Which card is right for youStart your first SIPCut your tax billPlan your home loan

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Ask about investments, taxes, etc.↑

How OneStep works

Three questions. One clear answer.

Every bad money decision in India has the same root cause: no one told you what to do with your specific numbers. OneStep fixes that. Tell it your situation. Ask your question. Get the answer.

01 — Tell

Tell us your numbers. Five minutes.

Your salary, your EMIs, your credit cards, your goals. Share them once. Your coach builds your financial picture from there, not from assumptions about the average Indian.

02 — Ask

Ask your real money question.

"Should I prepay my loan or start a SIP?" "Which credit card won't trap me in interest?" "Am I saving enough in 80C?" Your coach answers based on your numbers, not on what's generally true for everyone.

03 — Step

Take one action. See your finances move.

Clear the card. Top up your emergency fund. Start the ₹5k Nifty SIP. One move a week is all it takes. Your financial picture changes, one step at a time.

Young professional building financial steps with OneStep

What your coach knows

The money questions nobody teaches you in your 20s.

You've Googled “should I choose old or new tax regime” at 11pm. You've paid credit card interest for months because no one said clear it first. You've watched SIP videos without knowing how much to actually invest. OneStep ends that. Tell it your situation once and get a direct answer every time. In English, Hindi, or Hinglish.

01 —Credit cards & building CIBILFind the right first card for your income, not the one with the best ad. Build your CIBIL score from NH to 750+ without ever paying interest.
02 —SIPs, ELSS & mutual fundsHow much should you actually invest? Nifty 50 or ELSS? Your coach picks the right fund and SIP amount based on your exact take-home and existing EMIs.
03 —Personal loans & EMI planningKnow your real loan eligibility before you apply. Understand your FOIR. Never hurt your CIBIL with a rejected application because you asked the wrong lender first.
04 —Tax filing: ITR, 80C, 80DOld regime or new? Your coach calculates which saves you more, to the rupee. Every 80C and 80D deduction found. Done in a chat, not a CA appointment.
05 —Family money & life goalsParents' medical bills, sibling's college, home down payment. Your coach plans each one without making you feel behind. OneStep holds your whole picture.

Why it works

Advice built on your income. Your debt. Your goals.

Most finance apps give you a calculator. OneStep gives you a coach. One that knows your actual numbers because you told it, and gives you a specific answer, not a generic template.

Your numbers drive every answer.

Everything OneStep tells you is built from the financial details you share during onboarding: income, monthly expenses, existing loans, credit cards, and goals. The more context you give, the more precise your advice.

No commission. Ever.

OneStep is free. No subscription, no hidden fees, no referral cuts. No kickbacks from fund houses or lenders. Our only incentive is advice that actually works for you, because that's the only reason you'll keep using it.

Your data never leaves OneStep.

Your financial details live on OneStep and are never sold, never shared with banks or lenders, and never used for ads. You control what you share. You can delete your profile and all associated data at any time from within the app.

Your money should be working harder than it is.

Find out what it should actually be doing. 5 minutes. Free.

FAQ

Questions you probably have before you start.

On how it works, what it costs (nothing), and what it actually covers.

Something else? Email us, we read every one.

OneStep is an AI financial coach for Indian salaried professionals. You start with a 5-minute onboarding where you share your income, monthly expenses, existing loans, credit cards, and savings goals. OneStep uses that information to give you personalised, specific answers, not generic advice that applies to everyone. Ask anything: 'Should I prepay my loan or start a SIP?', 'Old regime or new for my income?', 'Which credit card should I get first?' and get a direct answer based on your actual situation. There's no bank login, no app integration, no passwords. Just a coach that knows your numbers because you told them to it.

Free · No bank login · 5 minutes to start

Stop leaving money decisions to Google.

Ask OneStep which credit card fits your income. Whether to prepay your loan or start a SIP. How much tax you can save before March 31. What your CIBIL score needs to be for a home loan.

Tell it your income, your EMIs, your goals. Your AI coach gives you a specific answer based on your numbers, in seconds. No jargon. No appointments. No generic advice.

Free · No bank login required · Takes 5 minutes