Financial health score: a published educational model

After financial literacy, this optional review scores six themes from 0 to 2 and adds them to a total of 0–12. It is not a CIBIL score, a credit decision or a promise of investment returns.

Are you an HR?

What is the Saventh financial health score?

It is a rules-based educational review. Six themes each receive 0, 1 or 2 points. The total is 0–12. It must not be used for lending, employment, benefits eligibility or predictions of investment performance.

Illustration of a financial health score review

Published scoring method

Model type: equal-weight, rules-based. Not machine-learned and not validated for credit, hiring or product suitability. Themes: emergency readiness; protection awareness; goal clarity; debt-pressure awareness; tax-season readiness; optional next step. Each theme has three answers worth 0, 1 or 2. Total = sum of six theme scores (maximum 12). Missing answer: that theme scores 0 and the band is Incomplete until all six are answered. Bands when complete: Building 0–4; Working 5–8; Organised 9–12. Worked example: six answers of 1 = 6 = Working. Update frequency: optional, and not more than once a quarter if used for comparison. A higher or lower total means answers changed, not that wealth or credit improved by a validated amount.

Try the review

The on-page tool uses the same 0–12 method. It does not store answers on Saventh servers.

Emergency readiness
Protection awareness
Goal clarity
Debt-pressure awareness
Tax-season readiness
Optional next step

Select one answer in each theme and choose Calculate.

Educational review only. Answers stay in this browser session and are not placed in the URL.

How to use the result

Use it as an optional conversation starter and a way to pick the next learning theme. Do not treat it as a verdict, diagnosis, requirement for literacy access or a route to a product.

Who can see the result, and for how long

Employee: own answers and score. Saventh programme support: only if the employee opens a support request. Service providers: no individual scores unless the employee separately consents to a named service. Employer: completion counts and theme-level aggregates only. Retention: browser-only for this public tool. If an employer later enables a saved workplace version, answers are kept for the active programme period and deleted on employee request or when the programme ends, unless a legal hold applies. See the privacy policy.

How employers can use this component

Employers may use aggregate completion and theme demand to plan education. They must not use individual scores for performance, promotion, compensation, benefits eligibility or workforce decisions.

Start with financial literacy sessions before offering the review.

Frequently asked questions

Is this a CIBIL or credit score?

No. It is a rules-based educational review and is not used for lending decisions.

Must I complete it?

No. It is optional and is not required to attend financial literacy education.

Does a low result force planning or a product?

No. The result is a conversation starter. Any next step stays optional.

Who sees my score?

The employee sees their own answers and score. Saventh support sees them only if the employee opens a support request. Employers receive completion counts and theme-level aggregates, not individual scores.

How is the score calculated?

Six themes, each 0, 1 or 2 points, are added for a total of 0–12. Unanswered themes count as 0 and the band is Incomplete. Bands are Building (0–4), Working (5–8) and Organised (9–12).

Start with financial literacy

Use the score only as optional follow-up after employees understand the themes and the published method.

Are you an HR?
Saventh

Employee financial wellness, literacy sessions, and guided next steps for Indian workplaces.

2026 Saventh. All rights reserved. Built in India · AMFI ARN 324457
PrivacyTermsGrievanceSitemap

Saventh Investment is an AMFI Registered Mutual Fund Distributor.

Disclaimer: Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

Saventh Investment makes no warranties or representations, express or implied, on products offered through the platform of Saventh Investment. It accepts no liability for any damages or losses, however, caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable.
Investments in Securities markets are subject to market risks, read all the related documents carefully before investing.

AMFI Registered
ARN - 324457