HDFC Life has released its latest research-based study, the ‘Ready for Life’ Index 2025, highlighting a significant gap between how financially prepared urban Indians believe they are and their actual level of readiness. According to the report, India’s actual Ready for Life Index stands at 59, while perceived readiness is much higher at 85, showing a 26-point gap. The study examines financial preparedness across four areas — financial planning, emergency preparedness, health and well-being, and retirement strategy.
The findings are relevant for cities like Shillong and the wider eastern region, where financial discipline is visible but long-term protection planning remains limited. The report notes that retirement planning is the weakest area, with nearly two out of three individuals expecting family support after retirement, despite not saving adequately.
The study also found that only two out of five people have emergency funds sufficient to last more than four months. In health planning, a similar number of insured individuals hold coverage below ₹5 lakh. Conducted by Ipsos India through face-to-face interviews across cities and towns, the index aims to encourage people to move beyond confidence and take real action toward structured financial planning. HDFC Life said the report underlines the need for stronger financial awareness and long-term security planning across urban India.