AI Coach by Bhavya
Smart nudges. Human advisors. Indian context.
The AI spots opportunities — our advisors execute them with you.
Health Score
78/100
Insights this week
4
This week's insights
4 newDining up 18% this month
You've spent ₹12,450 on food vs ₹10,550 average. Cooking 2 more meals/week could save ~₹2,800.
Savings rate at 54%
Excellent — well above the recommended 30%. Consider boosting your equity SIPs by ₹3,000.
Emergency fund: 5.5 months
Solid cushion. Once you hit 6 months, redirect surplus to your long-term retirement goal.
Term cover may be light
Your ₹1 Cr term plan is ~6× annual income. Aim for 10–15× — consider topping up by ₹50–80 L.
Bhavya Investments
AI flagged something?
Let a Bhavya advisor act on it for you — usually within 24 hours.
Suggested actions
Increase SIP by ₹3,000
Hit retirement goal 14 months sooner
Top up term cover to ₹2 Cr
Recommended ~10× annual income
Move idle ₹85K to liquid fund
Earn 7.1% vs 3.5% in savings