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Case Study·Bengaluru··5 min read

How the Sharma Family Raised Their Safety Score from 54 to 79 in 90 Days

A Bengaluru dual-income couple with a home loan discovered they were underinsured and overconfident about retirement. See how Plynt's household view changed their plan.

Family profile

Household

The Sharma Family

Raj (32, IT) + Priya (30, product manager) + daughter (4)

Location & income

Bengaluru

₹3.8 lakh/month take-home

Starting situation

₹85L home loan, ₹12L in mutual funds, employer health cover only

Illustrative composite based on common patterns among Plynt users. Names and details are fictional.

Safety Score journey

Started at

54

Timeline

90 days

At Risk → Safe

Reached

79

Biggest pillar shifts

Protection28→82+54
Emergency35→68+33
Retirement41→58+17
Debt72→78+6

Raj and Priya thought they were doing fine. Combined take-home of ₹3.8 lakh, a manageable home loan EMI, and ₹12 lakh in mutual funds. Their bank RM said they were "on track." But when Raj entered their details into Plynt, their Family Safety Score came back at 54 — At Risk.

What Plynt surfaced

  • Term insurance of ₹25L vs ₹1.2Cr needed once home loan and income replacement were counted
  • Emergency fund pillar at 35 — only ₹80K liquid, with ₹50K counted twice (savings + EF field)
  • Retirement SIP of ₹8K/month against a ₹5Cr inflated target — readiness at 41%
  • Expenses in profile (₹1.1L) didn't match categorised spend (₹94K) — plan was using wrong baseline

What they did

  1. Added Priya as a family earner — household income and dependents recalculated automatically
  2. Used Plynt's Protection action: bought additional term cover to close the ₹95L gap (no product recommended — they compared policies independently)
  3. Set a dedicated emergency fund goal: ₹15K/month sweep to liquid fund until ₹4.5L reached
  4. Reconciled expenses on the Expenses page so rent synced with tax HRA input
Raj's top insight: "We were looking at my salary in isolation. The household view showed Priya's income changed our risk profile — we could afford protection faster than we thought."

Results after 90 days

Score moved to 79 (Safe). Protection pillar jumped from 28 to 82. Emergency fund reached ₹2.1L — halfway to target. They still have retirement work to do, but now know exactly how much SIP to add after the EF is fully funded.

This case study is an illustrative composite for educational purposes. It does not represent a specific user or guarantee similar results. Plynt does not sell financial products. Outcomes depend on your household's inputs and actions.

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