HDFC Life's Ready for Life Index Indicates Greater Financial Realism and Stronger Preparedness in Eastern India

News Desk, News Nation 360 : When compared to the national average, the East region of India exhibits greater financial reality and preparedness across important life-readiness pillars, according to HDFC Life's region-specific insights from its Ready for Life Index (RLI). In collaboration with Ipsos India, HDFC Life developed a unique research project called the Ready for Life Index 2025. The study assesses India's life readiness in four major areas: financial planning, emergency preparedness, health and well-being, and retirement strategy. It is based on 1,836 in-person interviews with working men and women between the ages of 25 and 55 in metro areas, Tier 2 cities, and Tier 3 cities. While the national average shows a 26-point gap between perceived and actual financial readiness, the East has a much narrower gap of 20 points. This indicates that residents are more disciplined in their financial behaviour and self-assessment. The study reveals that 53% of respondents in the East have emergency funds that can support their lifestyle for over four months, which is higher than the 41% national average. Additionally, nearly 75% can access these funds within 48 hours. This success is linked to their careful habits and preference for cash assets. In terms of emergency planning, the East also ranks highest in the Health and Well-being pillar. This is due to a strong commitment to daily fitness and regular medical check-ups. The financial priorities in the East focus on family responsibility. While supporting children's education is a top concern, there is a greater emphasis on helping ageing parents and preparing for emergencies compared to other regions. Even though residents have a conservative view of the ideal retirement savings, the East leads the nation in taking steps toward retirement. 68% of respondents have already started saving, although many still expect some level of family support after retirement.