Crisis planning desk
Know Yourself First

Before the
crisis hits,
know your limits.

Most investors lose money not because they picked the wrong stock — but because they invested money they couldn't afford to lose.

KiScan reveals your true financial capacity, risk tolerance, and psychological blind spots. Before you deploy capital.

8

Health domains

40+

Data points

1

Health score

5

Risk profiles

Start Your KiScan Learn About KiAlt

WHAT KISCAN SCANS

Income & cash flow

Foundation
Income stability score — salaried vs variable vs business
Income-to-expense ratio — monthly surplus or deficit
Income growth trend — stagnant, growing, or declining
Multiple income streams — diversification of earnings
Irregular income buffer — months of runway available

Spending behaviour

Behaviour
Needs vs wants ratio — essential vs discretionary split
Lifestyle inflation flag — spending growing faster than income
Impulse spend patterns — unplanned spending frequency
Fixed obligation load — EMI + rent as % of income
Spending consistency — month-on-month volatility

Debt & liabilities

Risk signal
Debt-to-income ratio — total EMI burden vs monthly income
Debt type mix — good debt (home) vs bad debt (credit card)
Credit card utilisation — % of limit used each month
Loan repayment trend — reducing or adding new debt
Interest cost drain — monthly interest as % of income

Savings & investment base

Readiness
Savings rate — % of income saved consistently
Emergency fund coverage — months of expenses covered
Investment-to-income ratio — how much is already deployed
Asset class spread — FD, equity, gold, real estate mix
Investable surplus — rupees available to deploy monthly

Protection & insurance

Safety net
Life cover adequacy — term cover vs income multiple needed
Health cover gap — family floater vs actual medical costs
Disability cover — income replacement if unable to work
Critical illness buffer — rider or standalone cover in place
Insurance-to-net-worth — protection relative to wealth

Goals & timeline alignment

Direction
Short-term goal clarity — defined goals within 1–3 years
Medium-term goal funding — home, education, wedding corpus
Retirement gap scan — projected corpus vs required corpus
Goal-to-SIP mapping — monthly amount needed per goal
Goal priority conflict — too many goals, too little capital

Risk appetite profiling

Core output
Loss tolerance test — max % portfolio drop you can stomach
Time horizon score — years willing to stay invested
Volatility comfort — reaction to 20%, 40% drawdowns
Financial dependants — number of people relying on you
Risk profile output — Ultra-conservative to Aggressive

Behavioural bias scan

Psychology
Loss aversion index — do losses hurt more than gains feel good
Herd behaviour tendency — do you buy when everyone buys
Overconfidence flag — do you underestimate your risk
Recency bias check — chasing recent winners pattern
Decision paralysis score — do you delay action under uncertainty

KISCAN OUTPUT — WHAT YOU GET

Financial health score

A single score out of 100 across all 8 domains. Know exactly how healthy your finances are before deploying capital.

Risk profile persona

One of 5 profiles: Ultra-conservative · Conservative · Moderate · Aggressive · Ultra-aggressive — with tailored asset mix guidance.

Investable surplus map

Exact rupee amount safe to invest monthly, after covering obligations, emergency fund, and goal-based reserves.

HOW KISCAN CONNECTS TO KIALT

KiScan feeds your profile directly into KiAlt — so your investment decisions are always anchored to your real financial capacity.

Step 1

KiScan

Health + risk profile

Step 2

KiAlt engine

Sectors + stocks scored

Step 3

Personalised view

Filtered to your risk

Step 4

Act / Monitor

With full clarity

THE KIALT ECOSYSTEM

Three tools. One investor journey.

Most retail investors lose money not because they picked the wrong stock, but because they invested money they couldn't afford to lose, in an asset class their psychology couldn't handle, toward a timeline they hadn't defined.

KiScan

Step 1 — Know yourself

Scans your financial reality and inner wiring. Tells you how much you can invest, how much risk you can handle, and what biases to watch out for.

KiAlt

Step 2 — Know your investments

India's alternative investment intelligence engine. Scores stocks and sectors across 5 layers — filtered to your exact risk profile from KiScan.

KiGuard

Coming Soon

Step 3 — Protect what you build

Portfolio protection layer. Monitors risk signals, triggers rebalancing alerts, and ensures your wealth is defended as market conditions change.

THE CORE INSIGHT

Fix the investor before fixing the investment

Financial Reality

Income, spending, debt, savings, and insurance. The hard numbers that determine how much someone can actually invest without stress.

Forward Intent

Goals and timeline alignment. KiScan forces clarity: what are you investing for, and when do you need it? Most people invest randomly.

Inner Wiring

Risk appetite and behavioural bias. Nobody else scans for herd behaviour, loss aversion, or decision paralysis. A person who panics and sells at every dip should never be in mid-cap stocks.

FAQ

Know yourself before you invest.

Run your KiScan in 15 minutes. Get your Financial Health Score, Risk Profile, and Investable Surplus map — free.

No credit card · Takes 15 minutes · Instant results