HDFC Life has launched ‘Ready for Life’ – its latestresearch-based study. This one-of-its-kind report makes an effort to quantify theFinancial Readiness Gap – the difference between perceived and actual financialpreparedness of individuals.The Index shows a 26-point gap, which implies that there is a big difference in terms ofactual readiness of an individual in comparison to how ready they think they are largelydue the lack of action to convert financial planning from merely a plan into reality. Inother words, the index reveals that individuals are not well-prepared to handleuncertainties of life across different financial aspects.About the StudyThe Ready for Life Index 2025 is a proprietary research initiative by HDFC Life. This research has been conducted by Ipsos India, an independent market research company. Based on 1,836 face-to-face interviews with working men and women aged between 25–55 years across Metros, Tier 2, and Tier 3 cities*, the study evaluates India’s life readiness across four key pillars — Financial Planning, Emergency Preparedness, Health Well-being, and Retirement Strategy. The index aims to highlight the gap between perception and actual preparedness, encouraging a shift from short-term savings to structured, long-term financial planning.