Client Discovery & Onboarding Framework

Part I: Operational & Documentation Checklist

Please specify the readiness status of the background compliance portfolios.

Income & Tax Verification (Form 16 / Salary Slips)

Provided Pending

Reconstruction & Builder Liability Dossier (Tripartite/Conveyance Agreement)

Provided Pending

Banking & Existing Assets Statement (Last 6 Months Bank Statement & CAS)

Provided Pending

Risk Mitigation Documentation (Corporate/Retail Health Policy Copy)

Provided Pending

Part II: Subjective Discovery Questionnaire

1. Capital Commitments & Real Estate Contingencies

1.1 What is the exact target timeline (Month/Quarter) communicated by the builder for possession, and what is your internal assessment of potential project delays?

1.2 In the event of secondary auxiliary possession fees or cost escalations exceeding the expected ₹8,00,000, do you have secondary access to backup lines of capital?

1.3 Once physical possession is secured, will your ₹10,000 rent cease entirely, or will it be immediately offset by regular society maintenance or corpus allocations?

2. Household Cash Flow & Dependent Risk Profiling

2.1 Out of your ₹7 Lakhs per annum package, what is the exact fixed baseline monthly spend required to sustain your household (excluding the ₹10,000 rent)?

2.2 Given the non-fixed nature of gig-economy revenue, what is the realistic average contribution your father makes to the core household balances?

2.3 How many months of absolute household operational cash outflows would you comfortably need to hold in zero-volatility instruments to feel structurally secure?

3. Structural Risk & Healthcare Insularity

3.1 In the event of an sudden medical emergency involving your dependent parents, what is the current step-by-step financial protocol?

3.2 If covered under your employer's group policy, what is the exact base cover amount, and are there restrictive room-rent caps or co-pay clauses?

3.3 Are there any known, recurring family illnesses requiring capital allocations inside the next 24 to 36 months?

4. Psychological Risk & Investment Horizon

4.1 Outside of the immediate real estate reconstruction event, do you foresee any major lifestyle cash calls (e.g., higher education or marriage) in the 3–5 year window?

4.2 Select the profile indicator that best describes your immediate psychological reaction to a macro market drop of 20% affecting your equity investments:

Profile A: Liquidate immediate volatile positions to preserve remaining primary seed capital. Profile B: Retain position but pause any further volatile deployments; switch focus entirely to absolute fixed income security. Profile C: Allocate more systematic monthly capital surpluses to scale into positions at a lower cost basis.

CLIENT DISCOVERY & ONBOARDING FRAMEWORK

Part I: Operational & Documentation Checklist

Part II: Subjective Discovery Questionnaire

1. Capital Commitments & Real Estate Contingencies

2. Household Cash Flow & Dependent Risk Profiling

3. Structural Risk & Healthcare Insularity

4. Psychological Risk & Investment Horizon