Financial Planning and Smart Money
A practical, activity-based financial learning program designed to make everyday money decisions easier to understand. It uses plain-language explanations, real-life examples and hands-on exercises to build financial confidence, protection awareness and a structured personal financial plan.
Course Format
About the Programme
This program is designed to build financial independence and confidence for women by making everyday money decisions easier to understand.
It covers household budgeting, emergency planning, GST, loans and credit, savings, inflation, nomination, insurance, RBI and interest rates, mutual funds and SIPs, financial-document organization, succession awareness, first steps in stocks, risk profiling, retirement, children's education planning, scams, life transitions and personal financial planning.
Program Promise: The learner should finish with greater clarity about her household finances, stronger awareness of financial protection and safety, and a structured personal financial plan that connects today's money decisions with family and long-term goals.
Whom Is This Course For?
Homemakers
Women who want to take control of household finances, manage family savings, and build financial security for their home.
Working Women
Professionals and salaried women seeking to understand investments, tax savings, loans, and long-term wealth creation independently.
Women in Life Transitions
Women navigating marriage, motherhood, career pauses, or restarts who need clarity and confidence in their financial identity.
Beginners to Finance
Anyone who wants to understand the fundamentals of home and life finance in simple language without depending blindly on others.
Course Content
Orientation, Budgeting & Borrowing Smart
Orientation + Household Budgeting; Emergency Fund - Why & How Much; GST in Daily Life - Decoding Bills; Loans, EMI & Credit Score - Borrow Smart; Financial Health Check-Up - My Money Score.
Safe Savings, Inflation & Protection
FD & RD - Safe Ways to Save; Inflation & Protecting Your Savings; Nomination - Protecting What's Yours; Insurance Basics - Life & Health.
Macro Basics, Mutual Funds & Financial Records
RBI, Repo Rate & Your Home Loan EMI; SIP & Mutual Funds for Beginners; Financial Document Organiser - My Financial File; Will & Succession - What Happens If I'm Not There?
Financial Independence & Personal Plan
Women's Financial Independence - My Money, My Identity; Building Your Personal Financial Plan; Planning for a Child's Education; First Steps to Investing in Stocks; Risk Profiling - Know Your Comfort Level; Goal-Based Investing; Retirement Basics - PPF vs NPS (Simplified); Life Transitions - Marriage, Motherhood & Career Breaks; Staying Safe - Scams & Safe Investing.
Value & Outcomes
What Will The Learner Get
- Household budget and cash-flow framework
- Emergency-fund planner
- Financial document and nominee checklist
- Basic loan/EMI and credit awareness framework
- Insurance and financial-protection checklist
- Goal-based investing worksheet
- Retirement and education-goal planning exercises
- Personal Financial Plan template
How Will This Course Help
- Build confidence in managing household and personal money.
- Recognize gaps in emergency preparedness, protection and financial records.
- Understand basic investment language without depending blindly on others.
- Improve awareness of scams, unsafe promises and digital-payment risks.
- Connect short-term, family and long-term goals to a structured plan.
- Create a clear personal financial roadmap and communicate it confidently.
Project
Putting knowledge into practice through a structured, personalized capstone project.
My Personal Financial Plan
Hands-on Personal CapstoneEach participant prepares and presents “My Personal Financial Plan”, bringing together her budget, emergency fund, insurance/protection, investment goals, retirement priorities, child-education goals where relevant, life-transition considerations and an annual review approach.
Earning Opportunity
The program focuses on financial independence, financial awareness, protection, planning and responsible decision-making rather than any income-generation.
Why Choose SPANDAN
SPANDAN converts financial concepts into practical learning through simple explanations, real-life examples, activities, discussion, worksheets and application. The program is designed to build financial awareness, confidence and responsible decision-making rather than promote financial products.
- Uses simple, practical language and real-life examples.
- Focuses on everyday money decisions relevant to women.
- Combines learning with worksheets, activities, calculations and personal planning.
- Covers protection, financial safety, investing basics and long-term goals in one structured program.
- Encourages responsible decision-making rather than product selling during the learning session.
Refund Policy
Attend the first session. Decide within 24 hours.
If you are dissatisfied after attending the first Class/Session,
you may request a refund
within 24 hours of attending that session. Refund
requests made after this 24-hour period will not be accepted.
Approved refunds will be for the course fee paid, excluding
GST.
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.