Discover Your Financial IQ | Free Financial Awareness Score

How it works

Your score is private.

Choose the answer that best describes your current situation. The result is educational, not a judgement and not financial advice.

Score0 / 50Beginner to Independent

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Foundation

Cash flow, emergency money, and discipline

1. Do you track monthly income and expenses? Yes Partly Not yet

2. Do you have at least 3 to 6 months of essential expenses kept aside? Yes Building it Not yet

3. Do you separate savings from spending money? Yes Sometimes Not yet

4. Do you avoid carrying high-cost credit card or personal loan debt? Yes Partly Need help

Protection

Insurance, risk, and family safety

5. Do you have adequate health insurance beyond employer cover? Yes Unsure No

6. If your family depends on your income, do you have term life insurance? Yes Unsure if enough No

7. Have you reviewed exclusions, waiting periods, and claim conditions in your policies? Yes Somewhat Not yet

8. Do you understand the difference between insurance and investment? Yes Somewhat Not clearly

Investing

Goals, risk, mutual funds, and behavior

9. Are your investments linked to written goals? Yes Some are Not yet

10. Do you know your risk profile before investing? Yes Roughly No

11. Do you understand asset allocation across equity, debt, gold, and cash? Yes Somewhat Not yet

12. Do you know why mutual fund returns are not guaranteed? Yes Somewhat No

13. Do you review costs, taxation, and suitability before choosing products? Yes Sometimes Rarely

14. Can you stay invested during market volatility if your goal is long-term? Yes Not sure I panic easily

Life goals

Retirement, children, tax, and documents

15. Have you estimated how much you may need for retirement? Yes Roughly Not yet

16. Do you review your retirement plan at least once a year? Yes Irregularly No

17. Are children's education or major family goals planned separately? Yes Somewhat No

18. Do you understand that tax rules and deductions can change every year? Yes Somewhat No

19. Are nominees updated for bank accounts, investments, insurance, and demat holdings? Yes Some done Not sure

20. Do you have a will or at least a clear estate plan discussion within the family? Yes Thinking about it Not yet

Awareness

Mis-selling, scams, and decision quality

21. Do you verify whether a person is a planner, distributor, agent, or salesperson? Yes Sometimes No

22. Do you avoid buying products only because they are called guaranteed or fixed income? Yes I check sometimes Not always

23. Can you identify warning signs of digital arrest, OTP, remote access, or investment scams? Yes Somewhat No

24. Do you ask for written reasoning before making major financial decisions? Yes Sometimes No

25. Do you discuss money decisions calmly with family before acting? Yes Sometimes Rarely

Next step

Improve one step at a time.

A score is only a starting point. Use the Learning Center and FAQs to understand the concepts behind your result, or book a consultation if you want a deeper financial planning conversation.

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