20th August, 2026, Mumbai, India: Finance creator and entrepreneur Sharan Hegde’s 1% Club has launched its AI CFO, an AI-powered financial tool designed to bring personalised financial guidance to users and help them make better decisions around their money.
The launch marks the next phase in 1% Club’s evolution from a financial education platform into a technology-led personal finance ecosystem. The AI CFO is designed to assist users across their financial journey, enabling them to understand their finances, evaluate decisions and access guidance in a more personalised and accessible manner.
Founded by finance creator Sharan Hegde and co-founded by Raghav Gupta, 1% Club has built its business around financial education and has reached close to one million students through its content and learning ecosystem. The 1% Club’s growth also follows a ₹10 crore pre-Series A investment from Gruhas, the venture capital firm co-founded by Nikhil Kamath and Abhijeet Pai, in 2023. At the time, the investment marked Kamath’s backing of Sharan Hegde’s transition from a finance creator-led community into a broader fintech and financial education business. Since then, 1% Club has grown its business to generate over ₹150 crore in revenue in three years, while maintaining strong profit after tax margins. The company is now taking its next step in the fintech space with the launch of its AI CFO, moving from helping users learn about money to building technology that can assist them in making financial decisions.
The company has also expanded beyond financial education, with approximately ₹2,000 crore in assets under advisory and over ₹4,000 crore in client assets tracked on its platform, as it continues to build products and services around personal finance and wealth creation
The launch of the AI CFO comes as consumers increasingly turn to technology for financial information and decision-making. Rather than functioning as a conventional financial information platform, 1% Club’s AI CFO is being built as an agent that can understand an individual’s financial context and provide relevant guidance based on their money-related needs.
Commenting on the launch, Sharan Hegde, Founder, 1% Club, said, “For the last three years, we have been helping people learn how money works. But education is only the first step. The real challenge begins when you have to make decisions with your own money. We
wanted to build something that could sit with you through those decisions, understand your financial context and help you think through what makes sense for you. That is the idea behind our AI CFO. We see this as a shift from simply giving people financial information to building technology that can actually help them act on it.”
Raghav Gupta, Co-founder, 1% Club, added, “India has hundreds of millions of people who are financially active but have no one they trust to guide them through money decisions. The products exist and the data exists. What is missing is a trust layer that holds a person’s full financial context and can act on it. Technology has only recently become capable of building that, and for a country at India’s stage it is the need of the hour. The AI CFO is our first step towards it.”
The AI CFO is personalised to each user’s financial context, using their cash flow, net worth, portfolio and holdings, along with 1% Club’s research, to provide relevant guidance without requiring users to manually input their financial details. For instance, a user can ask, “Can I buy a car next year?” or “How much do I need to save each month for my Spain trip?” and the AI CFO can assess their existing cash flow and outline where they may need to adjust their spending or savings. It also offers a portfolio review across eight parameters, including returns, fund quality, benchmark performance, allocation, concentration, overlap, cost and tax position, while providing news and insights relevant to a user’s mutual funds or stocks.
About 1% Club:
1% Club is a financial education and personal finance platform founded by finance creator and entrepreneur Sharan Hegde and co-founded by Raghav Gupta. Over the last three years, the company has built an audience of nearly one million students, generated over ₹150 crore in revenue. The platform has also expanded into wealth management and 500 million USD client assets tracked on the platform. With the launch of its AI CFO, 1% Club is building technology-led products aimed at helping consumers make better financial decisions.
