Client Discovery & Financial Planning Tool

SECTION 1: Personal, Tax & Residential Status

Primary Applicant Name

DOB (Primary)

Joint Applicant / Spouse Name

DOB (Joint)

Number of Dependents

Residential Status

Indian Resident NRI (Non-Resident Indian) — Country of Residence: OCI (Overseas Citizen of India)

For NRIs Only (Tick applicable banking channels available)

NRE Account NRO Account FCNR Account

Tax Bracket (India)

Tax Regime Preferred (for Residents)

SECTION 2: Cash Flow – Income, Expenses & Investible Surplus

Cash Flow Component	Primary Applicant (₹ / Month or Year)	Co-Applicant/Spouse (₹ / Month or Year)
Fixed / Base Salary
Variable (Bonus / Incentives)
Business / Professional Income
Rental or Other Income
Total Income (A)

Average Monthly Household Expenses (B)

Existing EMIs / Debt Servicing (C)

Available Surplus: Monthly (SIP format)

Available Surplus: Lumpsum

SECTION 3: Current Asset Allocation & Net Worth

Please provide current approximate market values across asset categories:

Asset Class Category	Approximate Market Value (₹)
Fixed Income / Debt Component
- EPF / PPF / VPF / NPS
- Fixed Deposits (FD) / Recurring Deposits
- Debt Mutual Funds / Bonds / NCDs
Equities Component
- Direct Indian Stocks Portfolio
- Equity Mutual Funds / PMS / AIF
- Foreign Equities / Global Mutual Funds
Real Estate (Excluding primary residence)
Gold / Commodities (Physical or SGBs)
Crypto Assets / Alternate Investments
Total Estimated Portfolio Net Worth

SECTION 4: Liability & Debt Profile

Loan / Liability Type	Outstanding Amount (₹)	Current Monthly EMI (₹)	Rate of Interest (%)
Home Loan
Car / Personal / Education Loan
Credit Card Debt (revolving)		N/A

SECTION 5: Contingency Planning & Risk Management

Emergency Fund Assessment

Do you have 3 to 6 months of baseline monthly expenses set aside in liquid options?

No Yes — Amount: held in Liquid Funds / Savings / FDs

Term Insurance Policy (Sum Assured)

Traditional / Endowment Cover Amount

Corporate / Employer Provided Health Cover

Personal Health Cover (Independent)

Critical Illness / Personal Disability Rider?

No Yes — Cover Value:

Home & Property Insurance Cover?

Vehicle Insurance Active?

SECTION 6: Financial Goals & Investment Objectives

Please prioritize your top 5 financial goals (e.g., Retirement, Education, Property, Venture Capital):

Priority	Goal Description & Target Event	Time Horizon (Years Left)	Target Amount (Current Cost, ₹)
Goal 1
Goal 2
Goal 3
Goal 4
Goal 5

Target Retirement Age (Primary)

Target Retirement Age (Co-Applicant)

Post-Retirement Geographical Vision (Crucial for managing currency risk)

Settle in India Settle Abroad — Country: Undecided

SECTION 7: Psychometric Risk Appetite Assessment

1. If the equity market experiences a sharp correction of 20% in a month, and your ₹10 Lakh portfolio drops to ₹8 Lakh, your immediate action or psychological response would be:

A. Panic / Extreme Anxiety: I would liquidate the remaining portfolio to prevent any further losses. B. Cautious / Uncertain: I would halt ongoing monthly investments (SIPs) and wait for a clear market recovery. C. Rational / Long-term: I accept volatility as a part of asset class behavior and will stay fully invested. D. Opportunistic / Aggressive: I see this drop as a buying opportunity and would allocate additional lumpsum cash.

2. Which of the following investment portfolio performance frameworks matches your comfort zone over a 5-year cycle?

Portfolio 1: Maximum potential annual gain +8% | Maximum potential loss 0% (Absolute Capital Preservation) Portfolio 2: Maximum potential annual gain +12% | Maximum potential loss -5% (Conservative Balanced Growth) Portfolio 3: Maximum potential annual gain +18% | Maximum potential loss -15% (Dynamic / Wealth Accumulation) Portfolio 4: Maximum potential annual gain +25%+ | Maximum potential loss -35%+ (Aggressive Capital Appreciation)

3. What statement best clarifies your personal experience and familiarity with market-linked investment tools?

A. Minimal / None: My assets have exclusively been in guaranteed instruments like FDs, PPF, or Traditional Insurance. B. Limited Exposure: I own some basic Mutual Funds or Corporate FDs, but I rarely track performance metrics. C. Moderate Experience: I have actively invested through market cycles via Mutual Funds, Equity Shares, or Gold ETFs. D. Advanced / Seasoned: I manage direct stock portfolios, understand complex structures (PMS/AIF), or trade derivatives.

SECTION 8: Portfolio Constraints & Investment Philosophy

1. Are there specific asset classes or sectors you strictly prefer to avoid? (e.g., Tobacco, Real Estate, Crypto)

2. Do you have specialized thematic preferences? (e.g., Shariah Compliance, ESG/Ethical, Passive Indexing)

3. Are any components of your current net worth completely illiquid or locked? (e.g., Ancestral land, multi-year litigation)

FOR INTERNAL ADVISOR USE: Suitable Asset Allocation Blueprint

Asset Class Category	Current Allocation (%)	Recommended Benchmark (%)
Indian Equities (Large / Mid / Small Cap)
International Equities / Developed Markets
Fixed Income / Liquid / Arbitrage
Gold / Sovereign Gold Bonds (SGB)
Alternative Investment Vehicles (AIF / REITs)
Total Managed Portfolio Allocation	100%	100%

Advisor Notes, Immediate Red Flags & Strategic Adjustments: