Overview of the course

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Total fees of all individual modules :  ₹ 105,500/-

For entire course (all modules)           :  ₹   95,000/- (after 10% discount)

₹ 15,000 : 6 hours (3 sessions x 2 hours each)

             Session - 1

• About each other
• Expectations from each other
• About Personal Finance
• History, Evolution of Money Mindset
• Financial Independence / Freedom
• Financial Literacy
• Financial Well Being
• Self-Awareness: Know your sub-conscious learnings, attitude
• Concept - Time Value of Money
• Concept - Returns on Investment

          Session - 2

• Concepts - Compounding, CAGR, XIRR
• Income, Expenses, Savings, Budgeting
• Expenses Monitoring & Management
• Bank Account Management
• Savings vs Investments
• Assets & Liabilities
• Financial Statements - Cash Flow, Net Worth

          Session - 3

• Financial Planning
• Financial Goal Setting
• Financial Risks
• Your Risk Profiling

₹ 35,000 : 14 hours (7 sessions x 2 hours each)

             Session - 1

• Types of Asset Classes
• Asset Allocation
• About Gold / Silver

          Session - 2

• About Real Estate

          Session - 3

• About Debt Investments

          Session - 4

          About Equity Investments -

• What is Equity?
• History of Equity
• Investing &  Trading
• Why should we invest in Equity?
• Who & When should invest in Equity?
• How can we invest in Equity?
• What are the types of Shares?
• Regulatory Framework
• Stock Market Index
• Misconceptions of Equity Investing
• Basics of Equity Investing

          Session - 5

          About Equity Investments -

• Pre-requisites
• How does equity transactions work - Primary & Secondary markets?
• Types of equity stock orders
• Transaction charges on equity stock purchase
• Key communications related to equity transactions & holdings
• Income Tax on equity income
• Grievance redressal forums
• What moves a stock price?
• Market cap of the companies
• Corporate Actions (Dividend, Bonus, Rights, Split, Buy-back)
• Risks and Risk Management Strategies

          Session - 6

          About Equity Investments -

• Buying a direct stock: What to buy? When to buy?
• My personal stock picking startegy
• When to sell a share?
• Common mistakes in equity investing
• Shareholder's rewards by few companies
• Portfolio Management Services (PMS)

          Session - 7

          About Mutual  Funds & ETF -

• MF: History, How does it work, Advantages, NAV, TER, Risks, Returns, Regulations
• Categorization of MF
• Types of MF transactions
• SIP vs Lumpsum
• How to transact?
• Cut-off timings
• Key Communications
• Exchange Traded Funds (ETF)
• My personal MF investment strategy
• Taxation of MF

₹ 6,250 : 2 hours 30 minutes (1 session)

• Concept of insurance
• Types of Insurance
• Life Insurance: Term, Whole Life, Endowment, ULIP, Money Back, Annuity
• Life Insurance: Which one? Who should buy? When? Sum Assured? Duration? Riders? Major mistakes?
• Health Insurance: Coverage, Types, Key aspects, Impact of room rent limit, How to select? Riders? Inflation?
• Super Top-Up Plan: What is it? Illustration, Difference with Top Up
• Health Insurance: Key points, Major mistakes
• Personal Accident Insurance: What is it? Disability? Risks? Premium? Coverage? Cost? SA? Insurer? Exclusions? Payout? 
• General Insurance" Motor Vehicle, Travel, Home / Property
• Complaint Process including Ombudsman & Court
• How to buy an insurance policy?

₹ 5,000 : 2 hours (1 session)

• Concept of debt / loans
• Assessments by Lender and Borrower
• Types of loans: based on collateral, amount, interest
• Good Loans, Bad Loans
• No-Cost EMI & Interest-free loans: Are they real?
• Loans against Mutual Funds
• Impact of Debt Mismanagement
• Monitoring Debt: Key metrics
• How to avoid debt trap?
• Benefits of being debt-free: Financial and Emotional
• Managing Credit Cards
• Managing Home Loans: Understand how floating rates work, how tenure impacts the cost, Repayment strategies

₹ 11,250 : 4 hours 30 minutes (2 sessions)

            Session - 1

• Computation of Total Income and Tax
• Key Definitions
• Exempted Incomes: LTA and HRA in detail
• Income from Salary
• Income from House Property
• Profits and Gains of Business or Profession
• Capital Gains
• Capital Gain exemptions on sale / purchase of property
• Cost of acquisitons in certain cases of old asset holdings
• Income from Other Sources
• Clubbing of Income of other person
• Total Income
• Set-off and Carry-forward of losses

            Session - 2

• Deductions from Total Income
• Rebates and Reliefs from IT
• Relief from Double Taxation for Foreign Income
• Tax in Special Cases at Special Rates
• Surcharge & Cess on IT
• Income Tax Returns
• IT Assessment Procedure
• Liability in Special Cases (Legal Rep, Rep Assessee)
• Tax Deducted at Source (TDS) - including payments to NRI
• Tax Collected at Source (TCS)
• Advance Tax
• Interests and Fees
• ITR Filing
• Mistakes to Avoid
• IT Notices

₹ 6,250 : 2 hours 30 minutes (1 session)

• What is Retirement?
• Retirement: Types, Timing, Preparation
• Retirement Planning Process (including calculation of Retirement corpus, Risk manageemnt strategy, Liquidation & withdrawl strategy)
• Reverse Mortgage

₹ 6,250 : 2 hours 30 minutes (1 session)

• Types of Risks
• What is Behavioral Risk?
• Impact of emotions on investments
• How to manage these risks? Self-awareness
• "TEAR" way
• Common Biases & Psychological Effects impacting financial decisions
• How to overcome these biases & effects?
• Assess if you have these traits

₹ 6,250 : 2 hours 30 minutes (1 session)

• Unclaimed Assets" What? Why? Solutions?
• Record Keeping: Why is it important? List of key docs; Storage method; Template; 
• Succession Planning & Transmission of Assets: What? Why? Steps? Points to consider; Various ways of transmission to intended successors; Process' Timeline; Cost
• Will: Why is it needed? Key aspects; Contents; 
• Succession Laws: Indian Succession Act; Hindu Succession Act; Muslim Personal Law; Married Women's Property Act;
• Inheritance rights of a child in various scenarios: Adoption; Divorce; Parents' remarriage etc.
• Ensure safe and undisputed transmission of your wealth after your death in a manner you want and to who you want
• Nomination vs Will vs Gift

₹ 6,250 : 2 hours 30 minutes (1 session)

• Recap a summary of all modules along with outputs achieved
• Common mistakes we make which should be avoided
• How can you take home loan and not pay any interest
• How can you repay home loan but still access the same money in case of any emergency needs
• Strategy to optimise stock market investing & reducing capital gains taxes
• Golden Investment Rules
• Metrics for personal financial management

₹ 8,000 : 1 hour (1 session)

• Review outputs of the course, your personal financial plan and ask any open question