Question 1 of 8
Do you have an emergency fund covering at least 6 months of your household expenses?
A
Yes — I have more than 6 months of expenses saved in liquid assets
B
Partially — I have 3 to 6 months saved
C
Barely — I have less than 3 months saved
D
No — I don't have a dedicated emergency fund
Question 2 of 8
How adequate is your life insurance cover? (Human Life Value recommendation: 10–15× annual income)
A
My cover is 15× or more of my annual income (pure term plan)
B
My cover is 10–15× my annual income
C
I have some insurance but cover is below 10× income
D
I have no life insurance or only an employer group policy
Question 3 of 8
Do you have personal health insurance (beyond just your employer's group cover)?
A
Yes — I have my own health policy with adequate sum insured (₹10L+)
B
I have a personal policy but the cover may be insufficient
C
Only employer group cover — I'd lose it if I change jobs
D
I have no health insurance at all
Question 4 of 8
What is your total EMI-to-income ratio? (All monthly loan repayments ÷ monthly take-home)
A
Less than 20% — my debt load is very manageable
B
20–40% — acceptable but leaves limited investment headroom
C
40–60% — tight, limiting my ability to save and invest
D
Over 60% — most of my income goes to servicing debt
Question 5 of 8
Are you investing regularly and consistently towards specific financial goals?
A
Yes — I have active SIPs mapped to 3 or more distinct goals
B
I invest but not tied to specific goals — more ad hoc
C
Mostly in FDs, savings accounts, or LIC policies
D
I don't invest regularly — I save whatever is left over
Question 6 of 8
How proactively do you plan your taxes each financial year?
A
I fully optimise 80C, 80D, NPS (80CCD), HRA, and other deductions every year
B
I use 80C investments but don't explore other deductions much
C
I rely mostly on employer TDS — I don't actively plan taxes
D
I pay full tax without any planning or claim any deductions
Question 7 of 8
Are you actively saving towards retirement with a clear target corpus in mind?
A
Yes — I know my FIRE number and am on track with NPS, PPF, and equity SIPs
B
I contribute to EPF/PPF but don't have a specific retirement corpus target
C
I plan to focus on retirement saving once I earn more / later in life
D
I am not saving for retirement at all right now
Question 8 of 8
Do you have written, specific financial goals with timelines that you review regularly?
A
Yes — documented goals with amounts, timelines, and annual reviews
B
I have mental targets but nothing written down or formally tracked
C
Vague ideas about the future — "retire comfortably someday"
D
I haven't thought about specific financial goals
Disclaimer: This quiz provides a general financial health assessment for educational and informational purposes only. Results are indicative and not a substitute for personalised investment advice. All investments are subject to market risk. This tool does not constitute financial, tax, or investment advice. Please consult a SEBI Registered Investment Adviser (Registration No. INA000012345) before making any investment decisions. SEBI registration does not guarantee investment returns.