What kind of investor are you?
Ten questions, two things measured: whether your finances can absorb a fall (capacity) and whether you would sit through one (tolerance). The profile follows the lower of the two — a plan that respects both is the only kind you'll actually stay invested in. Nothing is saved; the answers carry into the basket planner only if you choose to.
How the score works
Seven of the ten questions measure capacity — the arithmetic of your situation: age, how many years until the money is needed, how steady your income is, what share of it you can invest, whether six months of expenses are set aside, who depends on you, and how much goes to EMIs. The other three measure tolerance — behaviour: what the money is for, whether you have held equity through a real fall, and what you would do if ₹10 lakh became ₹7 lakh in six months. Every answer carries a score, every question a weight (horizon and the drawdown question count most, at 18 each), and each dimension is scored out of 100 on its own questions.
The headline score is the weighted total of all ten — but never above what capacity alone supports. A 28-year-old with a 25-year horizon and no dependants has high capacity; if they would sell after a 30% fall, the total is already low and the profile follows it. The reverse is the cap: wanting risk does not create the ability to carry it, so a tolerance that reads higher than capacity is pulled down and the page says so. The five profiles — Conservative, Moderately conservative, Moderate, Moderately aggressive and Aggressive — map to equity/debt/gold splits of 20/70/10, 40/50/10, 60/30/10, 75/20/5 and 90/5/5, and to the SEBI riskometer band (Low-to-Moderate up to Very High) a scheme in that profile should sit in.
What to do with it: use the band to filter the screener, or carry the answers into the basket planner, which adds income and expenses and turns the split into named Direct-plan funds with a SIP each. Retake it after any large change — a new dependant, a home loan, a job with variable pay — because capacity moves even when temperament does not.
Independent · No commissions · Not investment advice. The split is a category-level starting point built on SEBI's suitability principle of reconciling capacity and tolerance; it names no funds and does not know your full situation.