Financially SAKSHAM Women
A practical financial literacy and livelihood empowerment program designed to help homemaker women understand household finances, improve financial safety, make informed saving and borrowing decisions, and identify realistic ways to convert existing skills into income opportunities.
Course Format
About The Programme
The Program combines everyday financial literacy with skill-to-income and livelihood planning.
It focuses on understanding money, protecting financial resources, building skills and income pathways, learning basic saving and investment concepts, and creating a practical one-year financial roadmap. Learning uses plain Hindi, real-life examples, stories, case studies, role-plays, demonstrations and worksheets.
Whom Is This Course For?
Homemakers
Women who want to master household expense tracking, manage savings systematically, and protect family finances.
Women in SHGs
Members of Self-Help Groups seeking better financial literacy, micro-credit clarity, and collective empowerment.
Aspiring Independent Women
Women looking to build basic financial independence, digital payment confidence, and long-term planning habits.
Course Content
Module 1: My Money, My Skills & Financial Starting Point
Self-assessment, recognizing personal capabilities and skills, understanding household cash flows, and establishing your financial baseline.
Module 2: Budgeting, Saving & Emergency Planning
Practical expense control, daily savings methods, needs vs wants prioritization, and building an emergency safety fund for the family.
Module 3: Banking, KYC, Nomination & Financial Records
Opening bank accounts, maintaining essential documents, understanding the critical role of nomination, and maintaining organized records.
Module 4: UPI, Digital Payments & Fraud Protection
Safe use of digital payment apps, QR codes, preventing online frauds, OTP/PIN protection, and recognizing common financial scams.
Module 5: Loans, EMI & Small Business Finance
Understanding borrowing costs, interest calculations, avoiding high-interest debt traps, microfinance basics, and small enterprise finance.
Module 6: From Saving to Investment & Protection
Safe savings instruments (FD/RD, Post Office, Gold), introduction to mutual funds, and recognizing the protective role of life & health insurance.
Module 7: Financial Independence & Personal Action Planning
Connecting skill development and income opportunities to family goals, and constructing a structured 1-year personal financial action roadmap.
Value & Outcomes
What Will The Learner Get
- 30-Day Expense Diary & Personal Financial X-Ray
- Household Budget Framework & Emergency Fund Planner
- Banking & Digital Safety Checklist
- Loan & EMI Checklist
- Simple Small-Business Record Template
- Skill-to-Income Mapping Worksheet
- Skill & Career Action Plan & Freedom File
- 1-Year Financial Plan & SPANDAN Certificate
How Will This Course Help
- Gain confidence in everyday household money decisions.
- Understand household cash flows and emergency-fund habits.
- Improve banking and digital payment safety and prevent scams.
- Make more informed borrowing decisions and avoid costly debt.
- Understand saving versus investing and the role of insurance.
- Identify skills that generate additional income and build a 1-year plan.
Project
A comprehensive personal roadmap combining money management with realistic skill-to-income pathways.
My Financial & Livelihood Action Plan
Personal Roadmap • 1-Year Goal SettingMy Financial & Livelihood Action Plan covering current financial position, monthly income and expenses, saving target, emergency-fund target, bank and digital safety checklist, outstanding loans/EMIs, insurance and protection awareness, top skills, skill-to-income opportunity, training/support pathway, 30-day action, 6-month target and 1-year financial & livelihood goal.
Earning Opportunity
There is very little earning opportunity after completion of this course as the course is focused on understanding the finances related to running home and the practical aspects related to Money. It does not guarantee income, or employment.
Why Choose SPANDAN
The Program combines financial awareness, financial safety, skill recognition and livelihood planning, converting financial knowledge into practical action. It uses simple language, familiar situations and hands-on activities rather than lecture-only learning.
Refund Policy
There is NO Refund Policy for this Course.
Important Financial Education Note
This programme is intended solely for financial education and awareness. It is designed to help learners understand financial concepts, investment terminology, market-related information, risk awareness, and responsible financial decision-making.
The programme does not constitute personalised investment, financial, insurance, tax, legal, or professional advice, nor does it recommend or promote any specific financial product, security, provider, broker, or investment strategy.
All investments, including market-linked investments, involve risk and may result in partial or complete loss of capital. Financial markets, regulations, interest rates, government schemes, eligibility criteria, taxation rules, and other related provisions may change from time to time.
Learners should independently verify the latest information through official government, regulatory, or appropriately regulated sources and seek professional advice where appropriate before making any financial decision.
The purpose of this programme is to build financial knowledge, confidence, awareness, and responsible decision-making-not to sell, recommend, or solicit investment products or financial services.