01
The story of money
Barter → coins → paper → digital. Why money exists and what it really is.
Level I — Foundations · Grades 6–9 · 30 classes
Money basics, saving, budgeting, and smart spending — all through hands-on activities with real-life scenarios.
Module 1 — What is money?
02
Value & price
Why the same item can cost different amounts in different places.
03
Income, expenses, savings
The three buckets: where money comes from, where it goes, what’s left.
04
Cash vs. digital
UPI, cards, wallets — how digital payments actually work.
05
Inflation for kids
Why the same ₹100 buys less chocolate each year.
Module 2 — Saving & goal setting
06
Why save?
Short-term vs. long-term goals; the marshmallow test & self-control.
07
Piggy banks to real banks
What a savings account is and how interest works.
08
Simple vs. compound interest
“Interest on interest” — the magic of starting early, with worked examples.
09
Smart goals
Specific, measurable, time-bound: “Save ₹2000 in 6 months for…”
10
Activity: build a savings plan
Students design a 6-month savings plan using a simple tracker.
Module 3 — Budgeting basics
11
What is a budget?
A plan for your money; why even pocket money needs one.
12
The 50/30/20 rule
Needs / wants / savings — adapted for teenagers.
13
Tracking expenses
Pencil trackers & simple apps; why every rupee should have a job.
14
Emergency funds
Why a small buffer matters; scaling it up as you grow up.
15
Family budget game
Simulation: run a household budget for a month with curveballs.
Module 4 — Smart spending & consumer sense
16
Needs vs. wants
Sorting real shopping baskets into the two buckets.
17
How ads work on you
Influencers, FOMO, social proof — and how to resist them.
18
Comparison shopping
Price per unit; reading reviews; “discount” vs. real savings.
19
Scams & safety
OTP fraud, fake links, “doubling” schemes — how to spot red flags.
20
Giving & generosity
Planning for donations, gifts, and causes you care about.
Module 5 — Earning & entrepreneurship
21
Ways people earn
Jobs, businesses, freelancing, investments — a tour.
22
Your first “micro-business”
Craft stall, tutoring, baking — pick an idea & plan a simple launch.
23
Pricing & profit
Cost + margin = price; what “profit” actually means.
24
Taxes, simply
Why we pay; GST, income tax at intro level.
25
Banking basics
Opening a minor account; KYC, PAN, debit cards; digital safety.
Module 6 — Capstone (Level I)
26
Life-plan simulation
Pick an imaginary life role; build income, budget, and savings plan.
27
Handle the curveballs
Unexpected expenses, job change, inflation shocks.
28
Mini pitch
Present your plan in 3 minutes; peers give structured feedback.
29
Family conversation kit
Questions & activities to discuss money openly with parents.
30
Reflection & habits
Three money habits to carry forward for the next 12 months.
Level II — Markets & Statements · Grades 10–12 · 30 classes
Understand how the global economy works, what real investment products do, and how to read the financial statements that run every business.
Module 1 — Understanding world economics
01
Micro vs. macro economics
The two lenses: one household vs. a whole country.
02
Demand, supply, price
How markets set prices and why shortages and gluts happen.
03
GDP, inflation, unemployment
The big three indicators and what they really measure.
04
Central banks & interest rates
RBI and the Fed: how rate changes ripple through the economy.
05
Global trade & currencies
Exports, imports, FX rates; why the rupee rises or falls vs. the dollar.
Module 2 — Personal finance deep dive
06
Risk & return
The fundamental trade-off of every investment decision.
07
Time value of money
₹1 today ≠ ₹1 later; present value, future value, and why compounding wins.
08
Asset classes map
Cash, debt, equity, real estate, commodities, alternatives — at a glance.
09
Credit & debt
Good vs. bad debt; EMIs, credit scores, and why compounding works against you too.
10
Insurance fundamentals
Health, term, motor; what to buy, what to skip.
Module 3 — Equities, mutual funds & debt
11
What is a share?
Ownership, voting, dividends; primary vs. secondary market; IPOs.
12
Indices & benchmarks
NIFTY 50, SENSEX, S&P 500; what an index actually tracks.
13
Mutual funds & SIPs
Equity, debt, hybrid; NAV, expense ratio, SIP vs. lump-sum.
14
ETFs & index investing
Low-cost investing; active vs. passive debate.
15
Debt funds & bonds
Government and corporate bonds, FDs, debt MFs; how interest rates move bond prices.
Module 4 — Derivatives & options
16
What is a derivative?
Contracts whose value comes from something else — and why they exist.
17
Futures & forwards
Locking in a price today for a later date; margin & mark-to-market.
18
Calls, puts & payoffs
How options work with simple payoff diagrams on paper.
19
Hedging vs. speculating
Using derivatives responsibly; why retail “option trading” usually loses.
20
Risk, leverage & ethics
How leverage magnifies both gains and losses; case studies of blow-ups.
Module 5 — Financial statements
21
Accounting: the language of business
Double-entry basics; debits, credits, the accounting equation.
22
The balance sheet
Assets = Liabilities + Equity; what a company owns and owes, at a moment in time.
23
The profit & loss statement
Revenue → expenses → profit; gross, operating, and net margins.
24
The cash flow statement
Why profit ≠ cash; operating, investing, and financing activities.
25
Key ratios for investors
P/E, P/B, ROE, debt-to-equity, current ratio — what each tells you.
Module 6 — Capstone (Level II)
26
Read a real annual report
Pick a listed company; navigate its annual report section by section.
27
Company analysis deep dive
Build a one-pager: business model, financials, risks, & view.
28
Build a mock portfolio
Allocate across equity, debt, gold, and cash; justify each weight.
29
Investor pitch
Present thesis to mentors using clear, structured slides.
30
Financial plan for yourself
Write a personal plan for the next 10 years — income, savings, investments.
What students leave with
- Strong habits around saving, budgeting, and smart spending.
- Confidence to open and operate a bank account safely.
- Literacy in equities, mutual funds, debt, and derivatives.
- Ability to read balance sheets, P&L, and cash flow statements.
- A mock portfolio and personal long-term plan.
- Critical thinking about ads, hype, and get-rich-quick schemes.
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