Onelife Capital Advisors started as a boutique firm advising companies on how to raise money and structure deals, but it has since transformed into a listed holding company that buys, builds and runs a collection of financial and technology businesses under one roof. The recurring approach is to use the cash flows and expertise of its original advisory practice to acquire regulated financial-services subsidiaries - a stock broker, an NBFC, an insurance broker - and then develop proprietary software platforms that serve both those subsidiaries and outside customers, creating a loop where the technology makes the financial businesses stickier and the financial businesses give the technology a live testing ground. # Business segments Three engines at different stages - a financial-advisory originator, a broking and securities platform built through acquisition, and a technology-software suite that serves both the group and external clients - each feeding the next with customers, cash or code. ## 1. Financial advisory: the deal-making roots that fund everything else **The company earns fees by advising businesses on raising debt and equity, structuring acquisitions and syndicating loans - the original engine that generated the capital to buy the subsidiaries that now dominate the group.** - **Paid for structuring deals** - it advises companies on fund raising, acquisition financing, turnaround planning, capital budgeting and financial modelling, charging advisory and professional fees for each assignment. - **Loan syndication as a second stream** - it also earns fees by connecting borrowers with banks, financial institutions and NBFCs, acting as a matchmaker rather than a lender itself. - **A single-customer concentration** - one client contributed 10% or more of group revenue in multiple years, which means the advisory income depends heavily on a handful of relationships. - **Fees under constant pressure** - the advisory market is crowded with competitors willing to deliver services at very low fees, so the company faces continuous downward pressure on what it can charge. ## 2. Broking and securities: the acquired distribution engine **Through its Dealmoney subsidiaries, the company earns brokerage every time a retail or institutional customer trades equities, commodities, currencies or derivatives on Indian exchanges - a transaction-based revenue stream built by acquisition, not from scratch.** - **Bought, not just built** - the broking business was added through strategic investments in Dealmoney Group companies, which brought a ready-made customer base of over 300,000 clients and roughly 15 years of capital-markets experience. - **Earns on every trade** - revenue is recognised at the point a customer executes a trade and the contract note is generated, so income rises and falls with trading volumes. - **Commodities add a second exchange** - the subsidiary Dealmoney Commodities is registered with both MCX and NCDEX, earning brokerage on commodity options and futures, and also engages in margin funding where clients pledge securities as collateral. - **Merged to simplify** - a long-running amalgamation merged Dealmoney Securities Private Limited into Dealmoney Commodities Private Limited, combining equity, commodity, currency and derivatives broking under one entity and continuing distribution of insurance, mutual funds and wealth-advisory products on the same platform. - **Proprietary software locks in the network** - the company built its own broking software that handles back-office operations, online e-KYC, mutual-fund investing, insurance comparison, IPO tracking and research reports, and a partner-management system that lets franchises and sub-brokers track leads through to conversion. ## 3. Technology platforms: the software suite that serves everyone **The company develops and markets a family of software products under the ‘Ready’ brand - covering healthcare, automobiles, real estate, HR, broking and e-commerce - which generate direct revenue and make the group’s own financial businesses harder to leave.** - **A catalogue of industry-specific modules** - the ‘Ready’ suite includes a hospital management system (Ready HMS) that tracks patients from entry to discharge, an automobile platform with dealer and garage models, a real-estate module searchable by builder and budget, and HR software that processes payroll and government records. - **Used internally first** - the software is used for testing purposes in its group companies before being marketed to outside customers. - **A super-app in the works** - the company is building a single digital platform, ‘Onelifetouch’, intended to cross-sell the products of all its subsidiaries - broking, insurance, lending, travel - in one place, turning separate businesses into an integrated ecosystem. - **Talent bet on AI and data science** - the company has been hiring young IT staff and building a team focused on artificial intelligence and data science, aiming to upgrade its applications and explore new software ideas. # Group structure and partners **Onelife Capital Advisors is a holding company with eight operating subsidiaries and one associate, each a focused entity for a specific regulated activity - broking, NBFC lending, insurance broking, real estate, distribution - with centralized strategic and financial oversight from the parent.** - **The regulated core** - Sarsan Securities is an RBI-registered NBFC that earns interest on financing arrangements; Dealmoney Commodities is a commodity broker registered with MCX and NCDEX; Dealmoney Insurance Broking distributes life and general insurance products. - **Real estate and distribution brought in-house** - Dealmoney Real Estate and Dealmoney Distribution & E-marketing, previously step-down subsidiaries, became direct subsidiaries in March 2025 after the parent bought 100% of their shares for a total consideration of INR 25 Crores. - **An associate in manufacturing** - the company acquired a 24.56% stake in Continental Controls Limited, which manufactures thermal overload protectors, adding an industrial asset unrelated to financial services. - **Shared services across the group** - subsidiaries share finance, HR, IT support and payroll processing, with costs allocated using headcount or turnover keys and all transactions conducted on an arm’s-length basis. - **Listed on both major exchanges** - the company’s shares trade on BSE (Scrip code: 533632) and NSE (Symbol: ONELIFECAP), and its bankers include Indian Bank, Axis Bank and HDFC Bank.