Your Financial Health Score — No CIBIL Needed, Based on Real Habits

Beyond CIBIL: What Your Financial Health Really Looks Like

CIBIL scores measure one thing: are you repaying loans on time? But financial health is much more than that. What percentage of your income do you save? Are your expenses growing faster than your earnings? Do you have an emergency buffer? Are your debts manageable?

For 400 million Indians in the informal economy — no loans, no credit cards, no CIBIL score at all — there's no metric for financial health. Until DhanRakh.

How DhanRakh Calculates Your Score

DhanRakh's FinanceOS Score (0-100) is calculated from your actual financial data:

• Savings rate (30%) — what percentage of income are you saving?
• Spending consistency (20%) — are your expenses stable or chaotic?
• Debt-to-income ratio (20%) — are your debts manageable?
• Emergency fund progress (15%) — do you have a safety buffer?
• Goal adherence (15%) — are you hitting your savings targets?

No external data needed. No bank connections. Just your own tracked habits.

What Your Score Means

• 0-30 (Needs Attention) — spending more than earning, no savings buffer. DhanRakh shows exactly where money is leaking.
• 31-50 (Building) — stable expenses, starting to save. Keep going — you're forming healthy habits.
• 51-70 (Solid) — consistent saver, manageable debts, emergency fund growing. You're ahead of 80% of Indians.
• 71-100 (Excellent) — strong savings, growing goals, minimal unnecessary debt. Financial security achieved.

Score Improvements

DhanRakh doesn't just show your score — it tells you how to improve it:

• "Your savings rate is 8%. Increasing to 15% would boost your score by 12 points."
• "You have no emergency fund. Starting a ₹50/day savings goal adds 10 points."
• "Your chai spending is ₹1,200/month. Reducing by 25% saves ₹3,600/year."

Track Score Over Time

Your score updates weekly. See the trend line — are you improving month over month? DhanRakh shows your financial trajectory, not just a snapshot. Watch your score climb as healthy habits compound.

Free for All Users

The FinanceOS Score is available to all DhanRakh users after 2 weeks of tracking (minimum data needed for meaningful calculation). No premium required. Know your real financial health — not just your credit history.