1 Finance has been granted an Indian patent for the Financial Behaviour Score (FBS), making it the first company in India and globally to receive a patent for a framework that systematically quantifies financial behaviour through a structured, dynamic scoring model. According to reports from 1 Finance, the FBS is a numerical representation of financial well-being that reflects how closely current financial choices align with ideal behaviour suited to personal situations and macroeconomic environments. The score is calculated by examining three key areas: Expense & Liability Management, Asset Allocation, and Emergency Planning, measured on a scale of 0 to 100.
The Financial Behaviour Score is determined through a structured advisory conversation that examines real financial life, income, savings rate, debt, insurance, assets, and most importantly, MoneySign®, the innate personality with money. As reported by 1 Finance, once MoneySign® is established and the financial picture is mapped, the FBS is assessed across five core areas: savings, debt, emergency preparedness, protection, and asset alignment. The score is then benchmarked against life stage, goals, and circumstances to provide clarity on what to fix next and measure progress over time.
According to 1 Finance, financial behaviour is the way people act with money, not what they intend to do with it. The company explains that good patterns build stability and wealth, while poor patterns lead to financial stress and despair. The FBS aims to make financial behaviour visible, similar to how calories make eating habits visible, providing clarity on what to fix next and serving as a signal showing whether financial behaviour is on track.
To know your Financial Behaviour Score, individuals can visit 1finance.co.in or download the 1 Finance app and book a FREE consultation with a Qualified Financial Advisor. As reported by 1 Finance, the consultation involves creating a comprehensive financial plan by analyzing income, expenses, assets, liabilities, savings patterns, insurance coverage, and investment portfolio, taking into account MoneySign®, life stage, generation, financial goals, and macroeconomic environment. The company emphasizes that this represents the most important investment individuals can make today for understanding their financial behaviour.
