The financial health check is a free, roughly three-minute self-assessment that produces a single score out of 900 — a number deliberately built on the same 0-900 scale as a CIBIL credit score, because that format is already familiar and easy to interpret at a glance.
The five dimensions behind the number
The total score is built from five separate dimensions, each worth up to 180 points: savings, debt, protection (insurance and emergency readiness), investing habits, and financial knowledge. A low score in one dimension can be masked by strong scores elsewhere in the simple total, which is why the assessment also reports where the specific gaps are, not just the final combined number.
The five bands
Why a score, rather than just a list of advice
A single number is easy to track over time in a way a list of generic tips isn't — you can retake the assessment after a few months and see whether the number actually moved, and in which dimension. The assessment also surfaces specific findings tied to your weakest answers, so the score comes with context about why it landed where it did, not just the raw total.
- The scale deliberately mirrors CIBIL's 0-900 range, so the general sense of 'where do I stand' is intuitive even before reading the band description.
- A low score in one dimension is a specific, addressable gap — not a verdict on your finances overall.
- The assessment is educational only; it doesn't replace a conversation with a qualified financial advisor about your specific situation.
It takes about three minutes, and unlike a quiz, it's not testing what you know — it's mapping where your actual financial habits and protections currently stand.
Take the financial health check →Common questions
Why does the score go up to 900 instead of 100?
It deliberately mirrors the CIBIL credit score's 0-900 scale, since that format is already familiar to most people checking their finances.
Can my score go down if I retake the assessment later?
Yes -- the score reflects your answers at the time you take it, so it can move in either direction if your savings, debt, protection, investing habits or knowledge change between attempts.
Is the financial health score connected to my actual CIBIL credit score?
No -- it only borrows the familiar 0-900 scale format from CIBIL for readability; it's an independent self-assessment of savings, debt, protection, investing habits and knowledge, not a credit score.
Five dimensions, 180 points each, a familiar 0-900 scale borrowed from CIBIL's format, and five plain-language bands from Needs Work to Excellent -- that's the entire financial health check. It's a snapshot of where your actual habits and protections stand right now, not a test of what you know, and it's worth retaking every few months to see whether the number actually moves.
