Financial wellness programs aim to improve employee motivation and productivity by reducing stress from personal financial issues. Such programs educate employees on financial planning, investing, and retirement savings to help them achieve financial security. Employers are increasingly prioritizing these programs to benefit from more motivated, productive employees who are less distracted by financial concerns and more likely to stay with the company long-term.

1. Financial Wellness and Employee
Motivation
Dyota Solutions Private Limited
www.imoneyplant.com

2. Employers are under Stress

3. And so are the Employees!

4. But for organizations to achieve higher
on Performance and Revenue…..
• Employees need to be high on:
– Motivation
– Self-belief
– Enthusiasm, etc.
• And low on
– Stress
– Negative energy
– Personal Finance issues, etc.
Productivity
Motivation
Enthusiasm

5. Motivation is directly related to
Financial Wellness
There is Definite and Direct relationship
between Employee Motivation at work
and how secure he feels with respect to his
Personal Finances
International Research has proved:

6. US Report on Financial Wellness
“Depending upon the workplace, 30% to 80% of employees waste work time dealing
with personal financial matters, and it typically amounts to 12 to 20 hours a month.”
-- Reported By Personal Finance Employee Education Foundation, Florida, USA
www.purchasingpower.com

7. Motivated Employee is essential for
better Organization performance
Employee Motivation Employees with good financial wellness are
the people that employers love because:
– such employees come to work with
enthusiasm and energy
– enjoy consistent or increasing job
productivity
– use a minimum of time attending to
personal financial matters
– receive high performance ratings from
their bosses
Financial
Wellness

8. Latest Report on Financial Wellness
from the US – Aon Hewitt Report
Employers are making the improved financial wellness of their employees a priority in 2013.
Aon Hewitt surveyed more than 425 U.S.
employers, representing 11 million employees,
80% of employers are making financial
wellness a top priority in 2013
61% are looking beyond current participation
and savings rates and are helping workers
evaluate their retirement readiness, up from
50% in 2012.
86% of companies plan to focus
communications initiatives on helping workers
evaluate and understand how much they need
to save for retirement.
DC: Defined Contribution Plan e.g. EPF

9. Personal Finance Education is
becoming very important
• Personal Finance Education
has been found to be a very
effective tool for Employees
to remain stress free with
respect to their Personal Financial Health
More and More Employers are
investing on PERSONAL FINANCE
EDUCATION for their employees

10. Our Research in India
• More than 90% of the respondents were getting less
than 10% return on their investments
• Less than 10% of the respondents made profits by
selling Investments after 5 years , for rest returns are
still on paper or the paper gains have vanished
• Less than 1% of the respondents have planned their
post-retirement cash flows
• More than 80% of respondents are looking for
solutions to increase their monthly savings
(Survey of 1000 Employees in the age group of 25-40 working in HPCL, BPCL, THERMAX, RCF, Mazagon Dock,
and 3 Pvt. Sector companies in Chennai/Bangalore conducted between 1st May 2012-31 May 2013)

11. Employees Financial Wellness
Situation and Knowledge in India?
• Employees are under stress every month since take home
salary not sufficient for meeting cash outflows
• Retirement Planning is not something most employees plan
for
– HR observed rapid increase in employees applying for
Personal Loans
– HR found that employees were being forced to take
Personal loan to take care of monthly outflow for
Insurance Premium and EMI burden
– Employer provided option to reduce SA contribution to
employees from 15% to 2% to increase take-home salary
– Surprisingly, 80% of employees immediately opted for
reduced contribution to Super Annuation

12. Employees Financial Wellness
Situation and Knowledge in India?
• HR Head realized how this would impact the
Employee Retirement Corpus in future, and asked
us to conduct Financial Wellness Program
– Major portion of take-home salary was spent on
Insurance Premium, but Life Risk cover was not
sufficient
– No Awareness at all why Employee sponsored
schemes like EPF, SA, NPS are ideal for Retirement
Planning, and in the interest of the employee
• Almost all employees who attended the
workshop immediately opted to go back to 15%
contribution to Super Annuation

13. What is Financial Wellness?
Not having to worry about
finances
Having a written financial
plan
Having your finances in
place to achieve your
financial goals while
adhering to basic
principles of financial
planning
When you’re not stressed
about money
Living within your means
and having debts and
obligations that you can
meet
No longer having to worry
about retirement
To be in such a financial
situation that your hopes,
dreams, and future
endeavours for you and
your family are realistically
possible and attainable

14. What does Financial Wellness mean?
FIVE
Levels
of
FINANCIAL
WELLNESS
Level
0
Level
1
Level
2
Level
3
Level
4
Level
5

15. Our Financial Wellness Matrix
Level 5: One now focusses on implementing the plan to share wealth withsociety, At this stage one is secure on
Short term and Long Term Financial Needs. This is the highest level of Financial Wellness.
Level 4: One has achieved what one wanted for themselves, but now savings and investment are being done
primarily for accumulating wealth forthe next generation
Level 3: Savings have reached a stage where they is more than what one needs to achieve financial freedom.
However, one is now saving & investing to meet one’s aspirational needs.
Level 2: Primary focus is on implementing the plan to make Financial Freedom a reality. One has started to
save&investenough consistentlyeach month so as to achieve Financial Freedom in the near future
Level 1: One is able to comfortably meet normal financial needs even if pay cheque is delayed up to 3 months.
However one is still over-dependent on the monthly pay cheque, and monthly savings are far lesser than what is
needed to make Financial Freedom a reality
Level 0: Even if salary is delayed by one day, one is put to a lot of stress, due to committed monthly cash outflow
like Insurance Premium, mortgage EMI, etc.

16. Who are we?
• Dyota Solutions is a Private Limited Company
– Specialize in Financial Wellness Solutions for salaried
employees
– Presence pan India
• Western: Mumbai, Pune and Ahmedabad
• Southern: Bangalore & Chennai
• Northern: New Delhi
• Eastern: Kolkata
• Financial Wellness Product and Services of Dyota
offered under the brand name imoneyplant®

17. In the last 24 months….
• We have acquired more than 45 customers
across MNC, Private & Public Sector
Companies as well as Government Institutions
• Conducted more than 150 Financial Wellness
Workshops across 20 major cities in India
• Benefited over 4000 workshop participants
• Built up capability to conduct Workshops
which suit every possible Age Group, and in
multiple Indian languages

18. Our Customers

19. Our Customers

20. Financial wellness Program - Topics
• How to take Financial Decisions ?
• Importance of XIRR
• What difference can XIRR make to us?
• What to do with Risks – Ignore or Avoid or Manage?
• Importance of Managing Risks
• Customizing Risk Management Solution based on Capacity
and Capability
• Personal finance Ratios and their link to Financial Wellness
enhancement
• How to Achieve level 5 Financial Wellness Status?
• Behaviors Impacting our growth and how to address them

21. In Summary…….
• Employer sponsored Financial Wellness Education is a Top
Priority for companies, especially US based companies
• Productivity at Work is impacted by poor Financial Health
of employee
• Employees are under tremendous Financial Stress
– Job Security is becoming a serious challenge
– Limited/No Salary Raise in troubled Economic Scenario
– Higher Cost of Living and Lifestyle expenses
– Mortgage EMI and Insurance Premium Payment are big time
impacts to take-home salaries
• Financial Education has become a useful way in improving
Employee Engagement and demonstrate employer
commitment to help its own employees help themselves

22. Increase Employee Satisfaction Level
and Staying Potential
By the time High-performing
Employee reaches Age 50, we
will ensure he is at LEVEL 4 of
FINANCIAL WELLNESS
By securing Financial
Wellness of High-performing
Employee, Retention,
Enthusiasm to perform, and
Productivity will become
a constant

23. Contact Information
Dyota Solutions Private Limited
Plot 559, V N Purav Marg 56, Sunder,
CHS Opp Diamond Garden Chembur,
Mumbai 400071
Our website: www.imoneyplant.com
Email: dyota@dyotasolutions.com
Phone: +91 22 2529 8454
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