Credit Score Questionnaire The questionnaire is not as complete as the credit analysis that banks conduct, but will help you find out your credit score. Take the quiz and see if your score makes you a candidate for credit counselling.

Q1: What is your qualification? Post-Graduate       Graduate       Higher Secondary or below

Q2: Work Experience? >10 Years       5-10 Years       <5 Years

Q3: How many dependents? 0-1       2-to-4      >4

Q4: What is the savings-to-income ratio** >35%       20-35%       <20%

Q5: What is the EMI-to-income ratio? <20%       20-50%       >50%

Q6:What is your income-to-net-worth* ratio? 100%       100-500%       >500%

Q7:How prompt is your credit card/EMI repayment? Before due date      15-day to one month delay       Rollover debt

*For every Rs 100 earned you have a net worth of Rs 100. Net worth is defined as assets (excluding consumption assets like cars) minus loans. **For every Rs 100 earned if you save Rs 20, then your savings-to-income ratio = (20/100*100)=20%