Total outstanding
₹23,00,000
Debt / net worth · 8.5%
Secured
₹20,00,000
Unsecured
₹3,00,000
Healthy: under 35% DTI ratio · IPS threshold 40%
Secured · ₹20.0L
LP
LAP / LAS
₹15.0L
65.2%
AL
Auto loan
₹5.0L
21.7%
UnSecured · ₹3.0L
CC
Credit Card
₹1.8L
7.8%
PL
EL / PL / HL
₹1.2L
5.2%
Security — not a liability, risk transfer
I
Insurance
Ditto-assisted · 2 policies
Term cover
₹1.5 Cr
⚠ Needs ₹2.5 Cr
Health cover
₹10 L
⚠ Family floater needed
Critical illness
——
⚠ Not covered
Disability
——
⚠ Not covered