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Solving field equations exactly in $f(R,T)$ gravity is one of the difficult task. To do so, many authors have adopted different methods such as assuming both the metric functions, an equation of state (EoS) and a metric function etc. However, such methods may not always lead to well-behaved solutions and thereby rejection of the solutions may happen after complete calculations. Indeed, very recent works on embedding class one methods suggested that the chances of arriving at the well behaved-solution is very high thereby inspired us to used it. In class one approach, we have to ansatz one of the metric potentials and the other can be obtain from the Karmarkar condition. In this paper, we are proposing new class one solution which is well-behaved in all physical points of view. We have analyzed the nature of the solution by tuning the $f(R,T)-$coupling parameter $χ$ and found that the solution results into stiffer EoS for $χ=-1$ than $χ=1$. This is because for lesser values of $χ$, velocity of sound is more, higher $M_{max}$ in $M-R$ curve and the EoS parameter $ω$ is larger. The solution satisfy the causality condition, energy conditions, stable and static under radial perturbations (static stability criterion) and in equilibrium (modified TOV-equation). The resulting $M-R$ diagram from this solution is well fitted with observed values of few compact stars such as PSR J1614-2230, Vela X-1, Cen X-3 and SAX J1808.4-3658. Therefore, for different values of $χ$, we have predicted the corresponding radii and their respective moment of inertia from the $M-I$ curve.