BNPL Usage & Financial Stress Survey
Answer the questions about your BNPL use and financial feelings—no personal identifiers are collected.
Section A: About you
Age
*
Below 18
18–21
22–25
26–30
Above 30
Have you used BNPL in the last six months?
*
Yes
No
Current status
*
College or university student
Working professional (salaried or self-employed)
Section B: Your BNPL usage
In the last six months, how many times have you made a purchase using BNPL?
*
1–2 times
3–5 times
6–10 times
11–20 times
More than 20 times
How many different BNPL apps or services do you currently have an unpaid balance on?
*
None (all balances are paid)
1
2
3
4 or more
Roughly how much do you currently owe across all BNPL services, as a share of your monthly income or allowance?
*
Nothing at the moment
Less than 10%
10–25%
26–50%
More than 50%
Section E: Financial knowledge
Please answer without using a calculator or looking anything up. Choosing 'Don't know' is fine.
Q15. Suppose you had ₹100 in a savings account and the interest rate was 2% per year. After 5 years, how much would you have in the account if you left the money to grow?
*
More than ₹102
Exactly ₹102
Less than ₹102
Don't know
Q16. Imagine the interest rate on your savings account was 1% per year and inflation was 2% per year. After 1 year, how much would you be able to buy with the money in this account?
*
More than today
Exactly the same as today
Less than today
Don't know
Q17. Is this statement true or false? “Buying a single company's stock usually provides a safer return than a stock mutual fund.”
*
True
False
Don't know
Section F: Your financial situation
How often do you worry about being able to meet your normal monthly expenses (rent, food, travel, bills)?
*
Worry all the time
1
2
3
4
5
6
7
8
9
Never worry
10
1 is Worry all the time, 10 is Never worry
How stressed do you feel about your personal finances in general?
*
Overwhelming stress
1
2
3
4
5
6
7
8
9
No stress at all
10
1 is Overwhelming stress, 10 is No stress at all
Submit
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