ONELIFECAP - Onelife Capital

📊 NSE: ONELIFECAP 🏢 Finance & Investments 📅 Last Updated: 12/14/2025 10:42

💰 Financial Performance

Geographic Revenue Split

100% of revenue is derived from India, with the registered office located in Thane, Maharashtra.

Profitability Margins

Not disclosed in available documents; however, the company notes Emphasis of Matters in audits regarding management judgment and reliance on future performance of subsidiaries.

Capital Expenditure

Planned capital raising of up to INR 30 Crores through a Rights Issue of equity shares with a face value of INR 10 each, approved on December 10, 2025.

Credit Rating & Borrowing

Not disclosed in available documents; however, the company plans to use Rights Issue proceeds to adjust loans availed from the Promoter Group.

⚙️ Operational Drivers

Raw Materials

Not applicable for a financial advisory and technology firm; primary inputs are human capital and proprietary technology infrastructure.

Import Sources

Not applicable.

Key Suppliers

Not applicable.

Capacity Expansion

The company operates 8 subsidiaries across diversified segments including Financial Services, Healthcare, and E-commerce. Expansion is focused on scaling the margin funding capacity of its subsidiary, Dealmoney Commodities Private Limited (DCPL), via a proposed INR 30 Crores infusion.

Raw Material Costs

Not applicable.

Manufacturing Efficiency

Not applicable.

Logistics & Distribution

Not applicable.

📈 Strategic Growth

Growth Strategy

OCAL plans to achieve growth by raising up to INR 30 Crores through a Rights Issue to fund the working capital and margin funding requirements of its subsidiary, DCPL. Additionally, the company is integrating its 8 subsidiaries into the 'Onelifetouch' Super App to capitalize on the Indian e-commerce market, which is projected to surpass US$ 350 billion by 2030.

Products & Services

Capital raising advisory (debt and equity), deal structuring, investment management, 'Ready' proprietary software, 'Onelifetouch' Super App, stock broking, and commodity broking.

Brand Portfolio

Ready (Software), Onelifetouch (Super App), Dealmoney (Group Brand).

New Products/Services

Integration of all 8 high-growth business verticals into the 'Onelifetouch' Super App to provide an integrated business platform.

Market Expansion

Targeting pan-India digital integration through the 'Onelifetouch' platform to capture synergies across Financial Services, Healthcare, and E-commerce.

Strategic Alliances

Strategic investments in Dealmoney Group companies to deliver end-to-end advisory and execution services.

🌍 External Factors

Industry Trends

The Indian e-commerce sector is projected to grow to US$ 350 billion by 2030. The industry is shifting towards digital integration and 'Super Apps' that consolidate multiple services. OCAL is positioning itself as an integrated business platform to capture this growth by linking its 8 diversified subsidiaries through a single digital interface.

Competitive Landscape

Operates in highly regulated and intensely competitive segments like stock broking, commodity trading, and wealth management.

Competitive Moat

The company maintains a moat through its integrated ecosystem of 8 subsidiaries covering Financial Services, Healthcare, and E-commerce, all linked via proprietary 'Ready' software and the 'Onelifetouch' Super App. This integration creates high switching costs for clients who rely on the unified digital platform for diverse business needs, ensuring long-term customer retention.

Macro Economic Sensitivity

Highly sensitive to global inflationary pressures and geopolitical conflicts, which impact Indian capital market volumes and the demand for financial advisory services.

Consumer Behavior

Shift towards digital booking, super-app usage, and integrated financial-technology solutions in the Indian market.

Geopolitical Risks

Global geopolitical conflicts and evolving trade dynamics are cited as risks that could indirectly affect OCAL's advisory business and the performance of its subsidiaries.

⚖️ Regulatory & Governance

Industry Regulations

Compliance with the Companies Act, 2013 for corporate governance and operational standards.

Legal Contingencies

Not disclosed in available documents (excluding SEBI/capital market regulator matters).

⚠️ Risk Analysis

Key Uncertainties

Regulatory non-compliance risks and the potential for significant impairment of investments if the 8 subsidiaries fail to achieve anticipated revenue growth or strategic benefits.

Geographic Concentration Risk

100% of operations are concentrated in India, specifically Maharashtra (Thane).

Third Party Dependencies

High dependency on the operational and financial performance of 8 subsidiaries for group-level revenue generation.

Technology Obsolescence Risk

Risk of rapid technological shifts in the financial services and e-commerce sectors requiring continuous and costly updates to the 'Onelifetouch' app and 'Ready' software.