For Immediate Release: Mumbai, March 4, 2026: — 1 Finance, a Mumbai-based personal finance advisory firm, has been granted a patent in India for the Financial Behaviour Score (FBS), making it the first company in the country to patent a framework that systematically quantifies financial behaviour through a structured scoring model. The patent is an institutional recognition that FBS represents a genuinely novel approach to measuring and improving financial well-being (FWB).
Behaviour First. Outcomes Follow
Financial well-being has long been treated as an outcome; a destination arrived at after accumulating sufficient wealth. FBS challenges that paradigm fundamentally. It measures the behavioural inputs: the daily financial habits, decisions, and patterns of an individual that, when consistently aligned with their personality, life stage, goals, and macroeconomic environment, reduce financial stress and build long-term confidence. The result is a single, dynamic score on a scale of 0 to 100, a real-time indicator of financial peace and how close or far an individual is from genuine financial well-being.
This input-first approach addresses a persistent gap in India’s financial advisory landscape. Existing scoring tools largely assess outcomes after the fact, portfolio values, net worth, or returns. They tell people where they have arrived, not whether the habits driving them will get them where they want to go. FBS flips that lens.
How FBS Works
Once a customer completes the MoneySign® assessment and links their financial data on the 1 Finance app, the framework evaluates their performance across 14 key financial ratios spanning three critical pillars: Emergency Planning, Expense & Liability Management and Asset Allocation. Each ratio is benchmarked against personalised ideal recommendations generated by 1 Finance’s hyper-personalisation algorithm, which accounts for an individual’s personality type, demography, family generation, life constraints, and current macroeconomic conditions. The weighted output is a single FBS, a number that is continuously updated as financial behaviour evolves, making it a living metric rather than a static report card.
Leadership Quotes
Keval Bhanushali, Co-founder and CEO of 1 Finance, said: “For too long, financial advisory has been built around products and portfolios, with behaviour treated as an afterthought. FBS was created on the belief that how people show up for their money, the choices they make consistently, the habits they build, and the alignment between their financial behaviour and who they are as individuals, is what truly determines financial well-being. This patent recognises that conviction as something original and defensible. We have already generated Financial Behaviour Scores for over 13,220+ customers, and what we see repeatedly is this: when people understand the behaviours holding them back, they stop feeling overwhelmed and start moving forward with clarity and confidence. That shift is what FBS was built to create.”
Animesh Hardia, SVP — Quantitative Research, 1 Finance, said: “FBS was designed from first principles by asking what financial behaviour actually makes someone feel better. The answer is this: people experience financial well-being when they are working towards their life goals at the pace they want, living the lifestyle they choose, and benefiting from the macro environment around them to the degree they are comfortable with. Between anxiety and confidence lie actions, and actions are dictated by behaviour. Behaviour, in this context, is the sum of a person’s financial habits: the inputs that determine their financial outcomes. When those inputs are misaligned with an individual’s nature, nurture, life stage, goals, and environment, financial stress is inevitable. FBS quantifies precisely that misalignment. It is a real-time metric of financial peace, and a call to act on what matters most.”
A Patent That Validates a New Category
The patent signals that FBS’s methodology, combining behavioural finance principles with quantitative ratio analysis and hyper-personalised benchmarking constitutes a new category of financial assessment in India. This recognition comes at a critical juncture: studies show that majority of Indians are keen to engage with holistic financial planning, yet the advice they receive remains disproportionately skewed toward investment products and asset allocation, leaving the behavioural foundations of financial well-being largely unaddressed.
1 Finance intends to build on this milestone by extending the reach of FBS beyond its current member base, bringing behaviour-centred financial assessment to India’s growing mass-affluent population, and setting a new benchmark for how financial well-being is defined, measured, and pursued.
