Product Suitability Calculator

The Product Suitability Tool can help you determine your investment risk profile and determine the most suitable investment product for your unique financial circumstances. The tool is based on a questionnaire which considers your, personal traits, investment time horizon, your risk appetite and risk tolerance. The answers to these questions are then used to determine your risk profile and the best investment product suitable for you. This tool is a valuable resource for users who are looking for an easy way to identify their risk profile and find the most suitable investment product for their needs.

Personal Details

Name (As Per PAN)*

PAN Number*

Date of Birth*


In which area do you live?*

What is your highest education?*

What is your occupation?*

Personal Traits

Which of the following best describes your current stage of life?

How familiar are you with investment matters?

How many years of experience do you have in investing excluding your own home and bank/post office deposits?

How secure is your current and future income from sources such as salary, pensions or other investments?

Would you consider borrowing money to make an investment?

Risk Appetite

Please select your age group:

Please select your investment horizon:

Please select the no. of dependants on you:

Please select your income range:

How much are you able to save annually?

How much debt (loans) do you current owe?

Risk Tolerance

In some instances, tax savings can be obtained from investments but this means taking on more risk. Which of the following statements best describes your goal for investing?

Assume you had an initial investment portfolio worth Rs.1,000,000. If, due to market conditions, your portfolio fell to Rs.850,000 within a short period, say a month, would you:
(If your portfolio has experienced a drop like this, choose the answer that corresponds to your actual behaviour.)

The data below shows the highest one year gain and highest one year loss on four different hypothetical investments of Rs.100,000. Given the potential gain or loss in any one year, where would you invest your money?

Investment Portfolio Portfolio A Portfolio B Portfolio C Portfolio D
Highest Gain Rs. 15,000 Rs. 20,500 Rs. 26,000 Rs. 32,000
Highest Loss Rs. 2,500 Rs. 6,500 Rs. 11,000 Rs. 15,000

Which one of the following statements describes your feelings towards choosing an investment?