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Client Profile
CL
New Client
Add their details for the Financial & Behavioural Analysis
Profile depth 0%
Basic Information
Minimum
Full Name
Mobile Opt
Age Opt
Email Optional
Income & Household
Drives projections
Monthly Take-home
₹
Other Monthly
₹
Occupation
Dependents
people
City
Marital Status
Children Ages
Comma-separated, e.g. 4, 12, 16 · helps size education + insurance cover
Monthly Fixed Expenses
House Rent
Leave blank if owned
₹
Household
Groceries, bills, fees
₹
Loans & EMIs
Add each loan separately. Loans at 14%+ interest auto-flag as higher cost than equity returns.
Credit Card Revolving Balance
Outstanding balance carried forward each month. At ~40% APR, this is the most toxic debt — worse than any personal loan.
₹
Investments & Assets
The full wealth picture — beyond equity & MF from trade files.
ℹ️ Filling guidance
▸
  • Cash & savings is money sitting in savings accounts / physical cash — kept separate from FD.
  • Primary residence is the home the client lives in. Included in net worth but excluded from allocation — you can't rebalance by selling your home.
  • Investment real estate is rental / land / second home. Counted in both net worth and allocation.
  • NPS is treated as 50% equity / 50% debt in allocation. Gold combines physical, ETF, and SGB.
  • Bonds / Other is a catch-all — NCDs, tax-free bonds, ULIPs, REITs, anything not covered above.
  • All figures are current market value, not cost or face value.
Cash & Savings Balance
Savings accounts + physical cash. Kept liquid for monthly use or emergencies.
₹
Fixed Deposits
₹
% pa
PPF
₹
NPS
₹
EPF / PF
₹
Gold
Physical / ETF / SGB
₹
Primary Residence
Home you live in. Included in net worth, excluded from allocation.
₹
Investment Real Estate
Additional properties — rental, land, second home.
₹
Bonds / Other
NCDs, tax-free bonds, ULIPs, REITs, or anything else not covered above.
₹
Financial Goals
Retirement Target Age
years
Children's Education Corpus
Amount needed and in how many years
₹
years
Emergency Fund
Current liquid fund, in months of expenses
months
Insurance
ℹ️ Filling guidance
▸
  • Life cover & premium are the totals across all life policies. If client has 2-3 policies, add them together before entering.
  • For Life Insurance Type, pick the policy that dominates by premium share, or choose "Mix of policies" if they're comparable.
  • Health cover is personal / family floater only — employer group is captured separately below.
  • Critical illness is lump-sum on diagnosis (cancer, heart, etc.), independent of hospitalisation.
  • Personal accident covers disability and accidental death — cheap and commonly missing.
  • Leaving any field blank = unknown. Engine silently skips checks for missing data.
Life Cover
Total sum assured across all policies
₹
Annual Premium
₹
Health Cover
₹
Annual Premium
₹
Life Insurance Type
Term plans give 10–20× more cover per ₹ of premium than endowments/ULIPs.
Employer Group Health Cover
From your company — not portable if you switch jobs.
₹
Critical Illness Cover Optional
Lump-sum payout for cancer/heart/kidney conditions. Separate from health cover.
₹
Personal Accident Cover Optional
Disability / accidental death cover. Cheap and commonly skipped.
₹
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