Urban India's Relationship With Money

Q1. Which of these best describes you right now?

A

Student — college or postgrad, mostly dependent income or part-time work

B

Early career professional — working 1–4 years, first or second job

C

Urban professional — settled in career, salaried or freelance, managing own finances

D

Self-employed / business owner — variable income, mixing personal and business expenses

E

Homemaker — managing household finances, not independently employed

F

Parent with dependents — managing family finances, school fees, EMIs etc.

G

Something else — none of the above quite fits

Q2. When did you last actually look through your bank statement?

A

Within the last week

B

Last month or so

C

A few months ago

D

Honestly can't remember

Q3. How many paid subscriptions do you think you have right now? Include streaming, apps, cloud storage, gym, anything recurring.

A

1-3

B

4-6

C

7-10

D

No idea honestly

Q4. Have you ever discovered you were paying for something you had completely forgotten about?

A

Yes — and it had been going on for months

B

Yes — caught it fairly quickly

C

Not that I know of — but who knows

Q5. Small daily spends — coffee, food delivery, random UPI payments — do you ever think about how much they add up to?

A

Yes, I actively track this

B

Occasionally, but not seriously

C

I prefer not to know honestly

D

Never thought about it

Q6. If you wanted to understand where your money went last month, what would you actually do?

A

Open my bank app and scroll through transactions

B

I track expenses on Excel Sheet/ Notes App on my phone

C

Check a budgeting app I use

D

Try to remember mentally

E

I wouldn't bother — too much effort

Q7. How comfortable would you be sharing read-only access to your bank transactions with an app — if it meant getting automatic insights with zero manual effort? The app sees your data, can't move money, shows you patterns.

Q7. How comfortable would you be sharing read-only access to your bank transactions with an app — if it meant getting automatic insights with zero manual effort? The app sees your data, can't move money, shows you patterns.

A

Very comfortable — I'd do it immediately

B

Comfortable if the brand felt trustworthy

C

Hesitant — I'd need a lot more info first

D

Not comfortable at all

Q8. Do you currently have any EMIs, loans, or financial goals you're working towards? Home loan, personal loan, credit card dues, saving for a trip, anything.

A

Yes — and it feels tight some months

B

Yes — but I manage it comfortably

C

No loans but I have a savings goal

D

No, neither right now

Q9. If an app showed you — "you're spending ₹3,200/month on things you don't use, that's exactly your loan EMI" — would that change how you think about those spends? No product being pitched here, genuinely curious about the psychology.

Q9. If an app showed you — "you're spending ₹3,200/month on things you don't use, that's exactly your loan EMI" — would that change how you think about those spends? No product being pitched here, genuinely curious about the psychology.

A

Yes — that framing would actually hit differently

B

Maybe — depends on how it's shown

C

Probably not — I already know I overspend

D

No — I'd ignore it like every other finance app

Q10. What's the biggest reason you haven't cut down on unnecessary spends even when you know they exist?

A

Too much effort to track and cancel things

B

I tell myself I'll use it eventually

C

The amounts feel too small to bother with

D

I don't have a clear reason to cut — no goal pushing me

E

I genuinely didn't know I was spending that much

Urban India's Relationship With Money

Q1. Which of these best describes you right now?

Q2. When did you last actually look through your bank statement?

Q3. How many paid subscriptions do you think you have right now? Include streaming, apps, cloud storage, gym, anything recurring.

Q4. Have you ever discovered you were paying for something you had completely forgotten about?

Q5. Small daily spends — coffee, food delivery, random UPI payments — do you ever think about how much they add up to?

Q6. If you wanted to understand where your money went last month, what would you actually do?

Q7. How comfortable would you be sharing read-only access to your bank transactions with an app — if it meant getting automatic insights with zero manual effort? The app sees your data, can't move money, shows you patterns.

Q8. Do you currently have any EMIs, loans, or financial goals you're working towards? Home loan, personal loan, credit card dues, saving for a trip, anything.

Q9. If an app showed you — "you're spending ₹3,200/month on things you don't use, that's exactly your loan EMI" — would that change how you think about those spends? No product being pitched here, genuinely curious about the psychology.

Q10. What's the biggest reason you haven't cut down on unnecessary spends even when you know they exist?

Q11. Anything else about how you manage — or avoid managing — money that feels true but nobody talks about?