Free tier included · Compliance-first

Client risk profiling, done right.

A structured 10-question assessment aligned to industry-standard risk categorization. Auto-scored, categorized as Conservative / Moderate / Aggressive, with recommended asset allocation. Every profile generates a signed declaration PDF — the compliance record you actually want on file.

Profile a Client See Pricing
10
Structured questions
3
Risk categories
4
Minutes to complete
1
Signed declaration PDF
The Product

The risk profile you'd actually stand behind in an audit.

Every serious client relationship should start with a documented risk assessment. Age, income stability, dependents, investment horizon, loss tolerance, past investment behavior — 10 questions that capture the client's actual risk appetite, not just their optimistic answers.

Auto-scored and categorized. Recommended asset allocation. Signed client declaration. The full compliance workflow, done in 4 minutes.

Aligned to industry standards. Questions structured following AMFI advisory best practices and SEBI-registered investment advisor guidance frameworks.
Risk Assessment
Question 6 of 10
Q6 · Loss Tolerance
If your portfolio drops 20% in one year, how would you react?
Sell immediately to prevent further losses
Hold and wait for markets to recover
Invest more, treat as buying opportunity
Next Question
Three risk profiles

Standardized categorization with recommended allocation

Every client is placed in one of three categories with a clear allocation framework — no ambiguity, no interpretation risk.

Conservative

Capital preservation focus

Low tolerance for loss. Prioritizes safety and steady returns over growth.

Score Range
10 – 22 points
Recommended: 20% Equity · 70% Debt · 10% Gold
  • Fixed income funds primary
  • Large-cap equity only
  • Retirement corpus mode
Moderate

Balanced growth & stability

Comfortable with moderate volatility for long-term wealth creation.

Score Range
23 – 37 points
Recommended: 60% Equity · 30% Debt · 10% Gold
  • Diversified equity mix
  • Some mid-cap allocation
  • 10+ year goals
Aggressive

Maximum growth potential

High tolerance for volatility, long horizon, seeking outperformance.

Score Range
38 – 50 points
Recommended: 85% Equity · 10% Debt · 5% Gold
  • Small & mid-cap active
  • Sectoral / thematic exposure
  • 15+ year horizon
The output

Every assessment produces a signed declaration PDF

Not just a score — a documented compliance record.

The signed declaration PDF is the audit-ready record every serious MFD wants on file. When a client says "you never told me it was risky", you have their signature on a document that explicitly acknowledges risk category, allocation, and market risks.

  • Cover with firm branding — your name, ARN, contact on every page
  • Client details block — name, PAN, date of assessment
  • All 10 questions with selected answers listed
  • Category verdict — Conservative / Moderate / Aggressive with score
  • Recommended allocation visualization with percentages
  • Signature blocks for both client and advisor
RP-2026-
0847
Risk Assessment Declaration
Client Risk Profile
Prepared for: Mr. Rajesh Kumar Sharma · 10 Jul 2026
Assessed Risk Category
MODERATE · Score 31/50
Age42 years
Investment Horizon15+ years
Income StabilitySalaried, stable
Loss ToleranceHold & recover
Recommended Asset Allocation
60% Equity
30% Debt
10% Gold
Client Signature
Rajesh K. Sharma
Advisor · ARN-332982
Deepak Singla
Common questions

Questions about Risk Profiler

Is this the same as a SEBI-registered investment advisor risk profile?
The assessment follows industry-standard structure and best practices used by advisors across the industry. It is NOT a formal SEBI-RIA risk-profiling procedure (which has specific documentation and process requirements for registered investment advisors). If you are an ARN-registered MFD (distributor), this tool helps you conduct a substantive risk conversation and generate a client-signed declaration. If you are a SEBI-RIA, use this as a starting point but follow your specific RIA compliance procedures.
Can I customize the 10 questions?
The default 10 questions are structured based on advisor best practices — age, income, dependents, investment goals, horizon, loss tolerance, market experience, income stability, existing portfolio, and financial knowledge. For Enterprise contracts, custom question sets can be built specifically for your firm's compliance framework.
What happens if a client's answers don't fit cleanly into one category?
The scoring model handles edge cases — if a client scores near a boundary (e.g., 22/23 between Conservative and Moderate), the report flags this and suggests a "moderate conservative" tilt within the allocation. You retain discretion to override the category based on your relationship with the client.
How is the declaration PDF legally protective?
The PDF establishes a written record of: (1) the specific questions asked, (2) the client's chosen answers, (3) the resulting category, (4) recommended allocation, and (5) client acknowledgement via signature. In the event of a client complaint about unsuitable recommendations, this signed record demonstrates that the recommendation aligned with the client's own stated risk profile. Consult your legal counsel for advice on your specific compliance framework.
Can I re-profile a client periodically?
Yes. Risk profiles should be reviewed at major life events (marriage, children, retirement approach, major income change) and at least every 3-5 years. Each new assessment generates a new dated declaration PDF, creating a documented profile history you can reference over time.
Is client data stored on your servers?
All assessment data stays in your browser during the session. Client name, PAN, answers, and generated declaration PDF are session-scoped. When you close the browser or generate the PDF and save it locally, nothing remains on our servers.
Is Risk Profiler included in Free tier?
Yes. Basic Risk Profiler (10-question assessment + declaration PDF with firm name and ARN) is included in the Free tier. Pro tier adds custom firm branding on the declaration, custom cover page, and integration with the Client Proposals wizard for a unified compliance workflow.

Every serious client relationship deserves a documented risk profile.

Start with the compliance record you'd actually stand behind. Free tier includes the full assessment.

Profile a Client See Pricing