🎯 The Behaviour Score

Your financial character
as a number.

Not your credit score. Not your income. Your Behaviour Score measures how you actually behave with money — and gates your investment access accordingly.

Get My Score FreeSee What It Unlocks
Your Behaviour Score
68
Earner — Ready for safe investments
0 Builder40 Earner70 Investor85 Architect
5 Dimensions

What your score
is made of.

Each dimension is independently scored and weighted. You can improve any dimension — and your score updates daily.

★ Most Important
💰

Savings Rate

25% weight

The percentage of your income you consistently save each month. The single biggest predictor of long-term wealth.

💡 Even saving 5% more monthly moves this dimension significantly.
🧠

Impulse Control

25% weight

How well you resist unplanned purchases and emotional spending. Measured through habit streaks and self-assessment.

💡 A 30-day no-impulse streak adds up to 12 points here.
⏳

Patience

20% weight

Your ability to delay gratification for long-term gains. Linked directly to investment holding periods and goal timelines.

💡 Holding a SIP for 12+ months boosts this dimension automatically.
📅

Consistency

20% weight

How regularly you execute financial plans — SIP dates, budget reviews, habit check-ins. Streaks matter most here.

💡 A 90-day habit streak provides a +15 point bonus to this dimension.
👁️

Awareness

10% weight

How well you understand your own financial patterns and biases. Improved through coach conversations and educational modules.

💡 Completing the financial literacy track adds up to 8 points.
The 4 Tiers

Your tier determines
your access.

🏗️
Score 0–39

Builder

Unlocked
✅ Financial Literacy Track
✅ Micro-saving habits
✅ Budget templates
✅ Goal setting tools
Locked
🔒 All investment products
💰
Score 40–69

Earner

Unlocked
✅ Index Funds (Nifty 50, Nifty Next 50)
✅ Gold ETF & Digital Gold
✅ PPF & NPS
✅ Term Life Insurance
✅ Fixed Deposits
Locked
🔒 Direct equity
🔒 AIF
🔒 PMS
📈
Score 70–84

Investor

Unlocked
✅ All Earner products
✅ Direct Stocks
✅ Sectoral & Thematic Funds
✅ International Funds
✅ ELSS Tax Saver
Locked
🔒 AIF
🔒 PMS
🔒 HNI products
👑
Score 85–100

Architect

Unlocked
✅ All Investor products
✅ AIF (Cat I, II, III)
✅ Portfolio Management Services
✅ Unlisted Equity
✅ Alternative Assets
Improve Your Score

Six ways to raise
your score this week.

📅

Start a daily habit streak

+2 pts/week

Set one daily financial micro-habit and log it every day. 30-day streaks are rewarded heavily.

💸

Increase your savings rate

+5 pts

Even a 5% increase in monthly savings moves your Savings Rate dimension significantly.

🚫

Skip one impulse purchase

+1 pt

Log any avoided impulse buy in the Habit Engine. Awareness of avoidance is a tracked signal.

📚

Complete a literacy module

+3 pts

Finish any module in the financial literacy track to boost your Awareness dimension.

🎯

Set and track a goal

+2 pts

Add a financial goal with a specific amount and deadline. Active goals improve your Patience score.

🤖

Chat with AI Coach

+1 pt/week

Weekly check-ins with the AI Behaviour Coach contribute to Awareness scoring.

Nobel-Backed Science

Not invented here.
Proven for decades.

The Behaviour Score framework is built on 40 years of behavioural economics research from Nobel laureates Daniel Kahneman and Richard Thaler, and habit science from Stanford's BJ Fogg.

🧠

Kahneman's System 1/2

Fast emotional spending vs. slow rational planning. Our score captures which system dominates your decisions.

🏆

Thaler's Nudge Theory

Small structural changes produce large behavioural shifts. Every GullakX habit is a designed nudge.

📌

Fogg's Habit Design

Tiny habits anchored to existing routines. The Habit Engine is built entirely on Fogg's B=MAP framework.

📊

GullakX Impact Data

73%
of Indian investor losses are from emotional timing errors, not market crashes
31%
average savings rate improvement after 6 months on GullakX
4.2×
more likely to hold investments for 12+ months vs. non-users
89%
of users with Score 70+ report reduced financial anxiety
Free · Takes 3 minutes

Find out your score
right now.

No email required for the assessment. See your score instantly. Create an account only if you want to track improvement over time.

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