Cholesterol monitor is a portable battery operated instrument, which uses an invasive method of measuring the total cholesterol in the blood. It displays the cholesterol level through an LCD panel. The unit also undertakes health risk analysis based on the cholesterol value to indicate heart attack & cardiac arrest risk for various ages. This health risk analysis is US FDA approved. The instrument has a facility to store the cholesterol value along with the date & time of the measurement in the personalized health card (smart card).