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WellnessIQ

Personalized financial wellness at scale

Economy

Overview

AI-driven spend analysis and personalized financial coaching

5-Category Spend Framework

  • ✓ Essentials: Groceries, utilities, rent, fuel (30-40% ideal)
  • ✓ EMIs: Loans, credit cards (25-35% max safe threshold)
  • ✓ Lifestyle: Dining, shopping, travel (10-20% recommended)
  • ✓ Savings: Investments, FDs, recurring deposits (15-25% target)
  • ✓ Others: Unclassified, cash withdrawals (< 10%)

Key Features

  • ✓ Budget Calculator: Interactive spend simulator with donut chart
  • ✓ Health Score: 0-100 score based on ratios, trends, red flags
  • ✓ Spend Segmentation: ML-based transaction categorization
  • ✓ Personalized Guidance: Actionable tips per borrower profile
  • ✓ Trend Analysis: 12-month lookback with anomaly detection
  • ✓ Predictive Insights: Early warning for financial stress
120-220%
Annual ROI
28%
Engagement Lift
18%
Savings Increase
12-Mo
Analysis Window

Tech Stack

Economy engine with spend categorization ML

Technology Architecture

Economy Engine
  • 12-month transaction analysis
  • Spend segmentation (5 categories)
  • Health score calculation (0-100)
  • Personalized guidance generation
ML Categorization
  • Description-based classification
  • Merchant code mapping (MCC)
  • Recurring pattern detection
  • Anomaly flagging (sudden spikes)
Visualization
  • Donut chart: Spend breakdown
  • Sparklines: 12-month trends
  • Heatmap: Category volatility
  • Alerts: Red flag notifications

Data Flow

End-to-end spend analysis pipeline

Wellness Analysis Pipeline
flowchart LR A[Bank Statements] --> B[Parser] B --> C[Transactions] C --> D[ML Classifier] D --> E{5 Categories} E --> F[Essentials] E --> G[EMIs] E --> H[Lifestyle] E --> I[Savings] E --> J[Others] F --> K[Economy Engine] G --> K H --> K I --> K J --> K K --> L[Health Score] K --> M[Guidance] L --> N[Report] M --> N style D fill:#F59E0B style K fill:#A3E635 style L fill:#31E6FF

Health Score Metrics

How financial wellness is calculated

Health Score Components
sequenceDiagram participant Txns as Transactions participant Cat as Categorizer participant Ratios participant Trends participant Score as Health Score Txns->>Cat: 12-month data Cat->>Ratios: EMI/Income ratio Cat->>Ratios: Savings rate Cat->>Trends: Volatility Cat->>Trends: Red flags Ratios->>Score: 60% weight Trends->>Score: 40% weight Score-->>User: 0-100 score

Scoring Formula

Health Score = 0.6 × Ratio Score + 0.4 × Trend Score

  • Ratio Score (60%): EMI/Income ≤ 35% (25 pts), Savings ≥ 15% (20 pts), Essentials ≤ 40% (15 pts)
  • Trend Score (40%): Volatility < 20% (20 pts), No red flags (15 pts), Savings trend ↑ (5 pts)
Interpretation:
90-100: Excellent | 75-89: Good | 60-74: Fair | 45-59: Needs Attention | Below 45: Critical

Benefits

For NBFCs and borrowers

NBFC Gains

  • 120-220% annual ROI
  • 28% borrower engagement lift
  • Early warning for financial stress (15-day lead time)
  • Cross-sell opportunities (savings products)
  • Reduced default rate (12% improvement)
  • Differentiated borrower experience

Borrower Gains

  • Personalized spend insights (5 categories)
  • Actionable tips (e.g., "Reduce dining by 10%")
  • 18% average savings increase
  • Financial health score (0-100)
  • 12-month trend analysis
  • PII-protected (automatic masking)

Interactive Demos

Explore budget simulation in real-time

Budget Calculator

Adjust spend allocations to see health score and guidance

Spend Breakdown
Health Score: 82
Rating: Good
Total: 100%
Guidance:
Your finances are balanced! Keep up the good work.
View JSON Output 
{
  "health_score": 82,
  "rating": "Good",
  "allocations": {
    "essentials": 35,
    "emis": 30,
    "lifestyle": 15,
    "savings": 20,
    "others": 0
  },
  "guidance": "Your finances are balanced!"
}

Mode: MOCK

Toggle between offline simulations (MOCK) and live API calls (LIVE)

FAQ

How does spend segmentation work?
WellnessIQ uses ML to classify transactions into 5 categories based on description, merchant code (MCC), and amount. For example: "Swiggy" → Lifestyle, "HDFC EMI" → EMIs, "More Supermarket" → Essentials. The Economy engine processes 12 months of data to identify patterns.
What is a good health score?
90-100 = Excellent (balanced finances, high savings), 75-89 = Good (minor adjustments needed), 60-74 = Fair (needs attention), 45-59 = Poor (risky ratios), Below 45 = Critical (urgent intervention). The score weighs EMI/Income ratio (60%) and trends/volatility (40%).
What guidance does WellnessIQ provide?
Personalized tips per borrower profile: "Reduce lifestyle spend by 5% to boost savings", "EMI burden high (38%) — consider refinancing", "Great job saving 22% monthly!". Guidance is actionable, specific, and respects borrower autonomy (no judgmental language).
How does early warning for stress work?
WellnessIQ detects red flags: EMI/Income > 40%, Savings < 5%, Sudden lifestyle spike (> 30% MoM), Recurring NSFs. Alerts are sent 15 days before predicted delinquency, allowing proactive outreach (e.g., offering payment holidays or debt restructuring).
Is borrower data secure?
Yes. WellnessIQ follows DPDP Act 2023 and RBI guidelines. All PII (account numbers, names) is masked in logs and exports. Transaction data is encrypted at rest and in transit. Borrowers can opt-out of wellness tracking via consent management interface.
Can NBFCs customize spend categories?
Yes. The default 5-category framework can be extended to include subcategories (e.g., split Lifestyle into Dining, Shopping, Travel). NBFCs can also set custom thresholds for ideal ratios based on their borrower demographics (e.g., tier-2 cities may have lower lifestyle spend).
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