Risk Profiler — Know Your Investor Type
Before a SEBI-registered Investment Adviser can guide you, they need to understand how much risk you can take. Answer a few questions about your risk capacity (your ability to take risk) and risk tolerance (your willingness to take risk), see your investor type, then download a dated, signed PDF to share with your adviser. Everything runs in your browser — nothing is sent or stored.
This is an educational self-assessment, not investment advice. It does not recommend any product or scheme. Your risk profile must be reviewed, finalised and signed off by your SEBI-registered Investment Adviser, who remains responsible under the IA Regulations for suitability, record-keeping and periodic re-profiling.
How your profile is worked out
Each answer carries a score. We average your answers in two groups — risk capacity (age, time horizon, income stability, savings, dependents, emergency cover) and risk tolerance (knowledge, goal, and how you react to losses and volatility). To stay prudent, your investor type is set by the lower of the two: you should not take on more risk than your capacity can absorb, however willing you feel. The result is a starting point for a conversation with your adviser, not a substitute for their judgement.
Risk profiling — frequently asked questions
Why does my SEBI-registered adviser need my risk profile?
Under the SEBI (Investment Advisers) Regulations, 2013, an Investment Adviser must complete a risk profile of every client before advising, ensure the advice is suitable to that profile, keep it on record, and review it periodically. Filling this in and sharing the signed PDF gives your adviser a clear, dated starting point.
What investor types can I get?
You are mapped to one of five profiles — Conservative, Moderately Conservative, Balanced, Moderately Aggressive and Aggressive — based on the lower of your risk capacity and risk tolerance scores. Each profile carries an indicative, educational asset-allocation range, not a product recommendation.
Is anything I enter sent to a server or stored?
No. The questionnaire, scoring and PDF are all generated inside your own browser. Nothing you answer is transmitted or saved anywhere by this tool. The downloaded PDF is the only output, and it stays on your device until you choose to share it.
Does this tool tell me what to invest in?
No. It does not recommend any stock, mutual fund, scheme or product. It gives you a risk profile and an indicative asset-allocation range for education. Specific, suitable advice must come from your SEBI-registered Investment Adviser after they review your profile.
How often should I redo my risk profile?
At least once a year is good practice, and sooner after a major life or financial change — a new job, marriage, a child, retirement, an inheritance or a large loss. The PDF is dated, so you and your adviser can see when it was last updated.