RIA Mode — Goals & Finance

Savings, liabilities, MIA-driven goal creation, tracking, and personalized advice screens

MIA Chatbot-First UX

Savings & Cash

Total Savings & Cash
₹28.5L
▲ 12.3% YoY 4 Accounts
Accounts
FD Maturity Timeline
Jun 2026
₹10.0L
Dec 2026
₹5.0L
Mar 2027
₹3.0L
Emergency Fund
Emergency Fund 68% Funded
Current: ₹8.2L / Recommended: ₹12.0L
₹3.8L shortfall
Savings & Cash View

Liabilities

Total Liabilities
₹38.5L
Debt-to-Income: 22% Debt-to-Asset: 15%
Active Loans
🏠
Home Loan
HDFC Bank
EMI ₹32K 8.5% 18 yrs left
₹28.0L
🚗
Car Loan
Axis Bank
EMI ₹15K 9.2% 3 yrs left
₹6.5L
💳
Credit Card
ICICI Bank
Min due ₹12K Outstanding
₹4.0L
Upcoming EMIs
15 Mar
Home Loan
₹32K
15 Mar
Car Loan
₹15K
5 Apr
Credit Card
₹12K
Liabilities View
9:42
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←
M
MIA
Goal Planning Mode
Step 3 of 5
M
Let's create a new financial goal! What type of goal are you planning for?
🏖
Retirement
🎓
Education
🏠
Home
✈️
Travel
🆘
Emergency
✏️
Custom
🏠 Home
9:42 AM
M
Great choice, Arjun! What's your target amount for buying a home?
₹80,00,000
Amount
₹80L
₹10L ₹2Cr
M
When do you need this by?
9:43 AM
2027
Dec
2028
Dec
2029
Dec
2030
Dec
December 2028
M
How important is this goal to you?
🔴 Critical
🟠 High
🟡 Medium
🟢 Flexible
M
Here's your goal summary:
🏠 Home Purchase Critical
Target Amount ₹80,00,000
Target Date Dec 2028
Time Remaining 2 yrs, 9 months
Suggested SIP ₹2,10,000/month
Based on 12% expected returns, inflation-adjusted
MIA adjusts for inflation automatically
MIA Goal Creation (Chatbot-First)

🚗 My Dream Car

42% ₹10.5L / ₹25.0L
2 years, 9 months remaining
₹48,000/month to stay on track
Based on expected 12% returns
Linked Investments
HDFC Mid-Cap
₹6.2L
Axis Bluechip
₹4.3L
Projection
₹0 ₹10L ₹20L ₹30L Now '26 '27 Dec '28 ₹25L On Track Optimistic Base Pessimistic
Goal Detail & Tracking

Personalized Advice

⚖️ Rebalance Portfolio Medium
Equity allocation is 65% vs target 60%. Consider rebalancing ₹4.5L to debt.
Impact: +0.3% risk-adjusted return
🤖 AI Generated
💰 Tax Optimization High
You have ₹1.5L ELSS gap for FY26. Deadline: 31 Mar 2026
Impact: Save ₹46,800 in taxes
👤 Human Advisor
🔄 Switch to Direct Low
3 regular MF holdings could save ₹45K/year in lower expense ratios
🤖 AI Generated
Review with your advisor if needed. Advice is personalized based on your financial profile and may not account for all circumstances.
Advice Cards (Expanded)