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What is Financial Health?

A quantitative model analyses all the transactions available in your ICICI Bank account to generate the Financial Health report card. It evaluates your Financial Health on the below parameters and Rank you as either Good, Average or At Risk:

  1. Emergency Funds: This measures whether you have sufficient savings to take care of your expenses for 6 months, in event of you losing your primary source of income.
  2. Spends Ratio: This ranks you on your spending behavior by comparing you with People like you.
  3. Credit Card Health: This ranks you on your credit card spending and repayment behavior by comparing you with People like you.
  4. EMI Servicing Capability: This ranks you on your exposure to debt by comparing you with People like you.