Hands using a red calculator surrounded by financial documents and receipts, symbolizing financial management.

Personal Finance Awareness Program

Empowering Individuals with Financial Literacy for a Secure Future

This 8-class program is designed to help individuals of all backgrounds develop a strong foundation in personal finance, covering budgeting, savings, investments, tax planning, insurance, and financial goal-setting. The course is tailored to the Indian financial system, providing practical strategies for wealth creation and financial independence.

Course Overview

Duration: 2 Months
Total Classes: 8
Mode: Online/Offline
Tools Covered: Moneycontrol, Groww, Zerodha Coin, ET Money, NPS Portal, Income Tax Portal

Who Should Join?

> Young professionals & salaried individuals
> Entrepreneurs & self-employed individuals
> Homemakers managing household finances
> Students looking to build early financial habits
> Anyone seeking financial independence & security

What You Will Learn?

✔️ Budgeting & Expense Management – Control spending & increase savings
✔️ Investment Basics – Mutual funds, stocks, fixed deposits, gold, and real estate
✔️ Insurance & Tax Planning – Protect wealth & reduce tax burden
✔️ Retirement & Estate Planning – Secure financial future for you and your family

DETAILED SYLLABUS (Class-Wise)

Module 1: Basics of Personal Finance & Budgeting

  • Why Personal Finance Awareness is Crucial for Everyone
  • How to Create a Simple & Effective Financial Plan
  • The 50-30-20 Rule for Budgeting (Needs, Wants & Savings)
  • Live Exercise: Tracking Expenses Using Budgeting Apps
  • Importance of Financial Discipline & Expense Prioritization
  • How to Avoid Lifestyle Inflation & Impulse Buying
  • Debt Management: Handling Credit Card Debt, EMIs & Loans
  • Live Demo: Using Expense Tracking Apps (ET Money, MoneyControl)

Module 2: Savings & Investment Planning

  • Importance of Emergency Fund & Where to Keep It
  • Banking & Fixed-Income Options: Fixed Deposits, Recurring Deposits, PPF, Sukanya Samriddhi Yojana
  • Power of Compounding & Long-Term Wealth Creation
  • Live Demo: Using ET Money & Groww for Investment Analysis
  • Mutual Funds vs. Stocks vs. Real Estate vs. Gold – Where to Invest?
  • Mutual Funds Types & SIPs – Equity, Debt, Hybrid, Index Funds
  • Stock Market for Beginners – Understanding Sensex, Nifty & Demat Accounts
  • Live Demo: Exploring Investment Platforms like Groww, Zerodha Coin

Module 3: Tax Planning & Insurance for Financial Security

  • Understanding Income Tax Slabs & Sections (80C, 80D, 80G, etc.)
  • How to Reduce Tax Using PPF, ELSS, NPS & Home Loans
  • Importance of Filing ITR & Common Tax-Saving Mistakes
  • Why Insurance is a Must for Every Indian
  • Types of Insurance:
    • Life Insurance (Term Plan vs. Endowment vs. ULIP)
    • Health Insurance (Cashless, Critical Illness Cover)
    • Vehicle & Home Insurance
  • How to Choose the Best Insurance Plan?
  • Live Demo: Comparing Insurance Policies Using PolicyBazaar & CoverFox

Module 4: Retirement, Passive Income & Wealth Creation

  • Why You Need a Retirement Plan Even in Your 20s?
  • Understanding NPS (National Pension Scheme) & EPF
  • Exploring Passive Income Sources – Rental Income, Dividends, Digital Assets
  • Live Demo: How to Open an NPS Account & Use NPS Calculator
  • Importance of Will & Nomination Planning
  • How to Pass Wealth to the Next Generation?
  • Avoiding Common Financial Mistakes That Indians Make
  • Final Q&A & Financial Planning Exercise for Participants