ABC Home
Connect

Aditya Birla Sun Life Insurance Company Limited

header_open_img
mob logo
USER PROF MOBILE

Aditya Birla Sun Life Insurance Company Limited

The अ-Nishchit  Index 2.0
Uncertainty Index India

National Index Score

The अ-Nishchit Index 2.0 measures the level of uncertainty people experience across India. It captures uncertainty across 11 key life parameters and 49 real-life statements, covering concerns around money, health, safety, emotional well-being, digital security, family responsibilities, and the environment.

3,583 pan-India respondents

11 life parameters

49 attitudinal statements

Validated by Drshti Strategic Research

National Index Score
About the Index

We invite you to explore this interactive version of अ-Nishchit Index 2.0

This information is based on findings from a research study commissioned by Aditya Birla Sun Life Insurance Company Limited and data-validated by Drshti Strategic Research Services Pvt. Ltd. Interactive tool created by Hyphen Brands.

11

Life Parameters

From economic instability and climate concerns to career challenges, retirement anxiety, and children's education.

49

Attitudinal Statements

Each statement rated 0 to 10 (lowest to highest uncertainty), capturing real concerns beyond surface-level survey responses.

3,583

Pan-India Respondents

Random sampling across age groups, income brackets, geographies, and family structures, plus 21 qualitative in-depth interviews.

Interactive explorer

Explore the Index by parameter, region, and cohort

Use the interactive model below to slice the data by the 11 parameters, filter by cohort clusters, or drill into specific attitudinal statements and their national rankings.

This information is based on findings from a research study commissioned by Aditya Birla Sun Life Insurance Company Limited and data-validated by Drishti Strategic Research Services Pvt. Ltd Interactive tool created by Hyphen Brands.

How to read the index

Key

Before you explore, here is what each element in the interactive tool means.

National Index

The overall measure of uncertainty across India. Based on responses from across regions, age groups, and socio-economic segments.

Parameter Index

The uncertainty index for one of the 11 parameters selected.

Statement's Rank

Under each parameter, we asked associated statements to deep dive into the specific parameter. These statements have been ranked from 1 onwards, 1 indicating highest ranked uncertainty within the parameter.

Cohort Clusters

Based on their responses, people fall into three broad mindsets. Highly Anxious, Anxious Steady Climbers, and Optimists. See the cohort section below for the full breakdown.

Cohort Clusters

Three ways Indians are experiencing uncertaintyusters

Based on their responses, people fall into three broad mindsets.

Cohort 1

Highly Anxious

People experiencing high levels of worry and uncertainty about their future.

Cohort 2

Anxious Steady Climbers

People who feel uncertain but are actively working towards stability and progress.

Cohort 3

Optimists

People who feel relatively confident and in control, even in uncertain times.

11 Parameters Ranked

What drives uncertainty in India?

The Index identifies 11 parameters shaping perceptions of uncertainty, grouped into uncontrollable external risks and potentially controllable personal factors.

#1Economic and financial instability
80
#2Environmental and climate concerns
80
#3Health and medical risks
80
#4Public safety and crime
~80
#5Government policy and geopolitical risks
~80
#6Income, debt and financial planning
79
#7Government policy and geopolitical risks
79
#8Career and employment challenges
79
#9Family and social responsibilities
75
#10Retirement and ageing
75
#11Education and children's growth
72

Key Findings

What the अ-Nishchit Index 2.0 reveals

Uncertainty in India is not a metro phenomenon. It deepens as you move to smaller towns, and it cuts across gender, employment type, and family structure.

Regional Picture

  • South India71Lowest
  • East India83highest
  • Tier 1 cities73
  • Tier 3 towns86

Financial Anxiety Statements

  • Inflation eroding savings81
  • Income not keeping pace80
  • Building adequate wealth80
  • Emergency buffers79
  • Retirement worries78

Gender and Employment

  • Men78
  • Women80
  • Salaried79
  • Business owners80
  • Baby boomers78
  • Gen X80

Insurance and Product Ownership

  • Holds 1 to 3 financial products78 to 80
  • Holds 4+ insurance products73
  • Holds 4+ investment products75
  • Insurance coverage for serious illness78
  • Married with children80

Methodology

How was the अ-Nishchit Index computed?

Last year's score was 74, but it is not directly comparable, as the framework expanded from 7 parameters to 11 parameters this year, sub-divided into 49 attitudinal statements (each treated as a sub-parameter).

Scale

Each of the 49 statements was rated on a 0 to 10 scale (lowest to highest uncertainty). The average score across all 49 statements was computed and scaled to an index of 100.

Qualitative Phase

21 in-depth interviews across diverse life stages and backgrounds.

Conclusion

The अ-Nishchit Index 2.0 (79) reflects a nation progressing economically yet living with persistent uncertainty.

Three in four Indians describe themselves as extremely worried about their future, indicating that uncertainty is driven not by isolated events, but by the accumulation of multiple, overlapping risks.

This information is based on findings from a research study commissioned by Aditya Birla Sun Life Insurance Company Limited and data-validated by Drshti Strategic Research Services Pvt. Ltd. The information contained herein is provided solely for general informational and research purposes and is based on perception-based responses at a specific point in time. Nothing herein constitutes investment, financial, insurance, tax, or legal advice, nor an offer or solicitation of any product. Readers are advised to seek independent professional advice before making any financial or insurance decisions. Aditya Birla Sun Life Insurance Company Limited and Drshti Strategic Research Services Pvt. Ltd. disclaim any liability arising from reliance on this information.
1) Name of the Company – Aditya Birla Sun Life Insurance Company Limited
2) Registered Address of the Company - One World Center Tower 1, 16th Floor, Jupiter Mill Compound, 841, Senapati Bapat Marg, Elphinstone Road, Mumbai - 400013.
3) IRDAI Registration No. 109
4) CIN - U99999MH2000PLC128110
5) Toll free no. - 1800-270-7000
6) Link of the website - https://lifeinsurance.adityabirlacapital.com/

BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS / FRADULENT OFFERS. IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

ADV/2/25-26/1653

whatsapp-imagewhatsapp-image