Your roadmap · आपका रोडमैप
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Admission & first meetingप्रवेश और पहली मुलाकातEnquire at your nearest NDSS centre, meet the teacher, fix the batch time and get your study material.
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Part 1 of the syllabusपाठ्यक्रम भाग 1Unit-wise coaching with notes and doubt classes.
Unit 1: Basics of Personal FinanceUnit 2: Budgeting, Savings and CreditUnit 3: Investment Avenues
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Part 2 of the syllabusपाठ्यक्रम भाग 2Unit-wise coaching with notes and doubt classes.
Unit 4: Insurance PlanningUnit 5: Tax and Retirement Planning
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Unit tests & assignmentsयूनिट टेस्टRegular tests in the university / board pattern.
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Semester 3 exam (university / board)विश्वविद्यालय / बोर्ड परीक्षाPrevious papers and full revision before the exam.
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Online tests & resultऑनलाइन टेस्ट और रिज़ल्टTake the tests online; your marks and result show in your student login and at the centre.
Syllabus · पाठ्यक्रम
1 subject · 5 chapters · 25 topics
01Unit 1: Basics of Personal Finance
5 topics+
- Meaning and importance of personal finance
- Financial goals and the life cycle
- Time value of money: compounding and discounting
- Rule of 72
- Financial planning process
02Unit 2: Budgeting, Savings and Credit
5 topics+
- Preparing a personal budget
- Emergency fund
- Bank deposits, RD, PPF, NSC and small savings schemes
- Loans, EMIs and credit cards
- Credit score and responsible borrowing
03Unit 3: Investment Avenues
6 topics+
- Risk and return
- Equity shares and the stock market
- Mutual funds and SIP
- Bonds, gold and real estate
- Diversification and asset allocation
- Role of SEBI and avoiding frauds
04Unit 4: Insurance Planning
5 topics+
- Principles of insurance
- Life insurance: term, endowment and ULIP
- Health and general insurance
- Government schemes: PMJJBY and PMSBY
- Role of IRDAI
05Unit 5: Tax and Retirement Planning
4 topics+
- Income tax basics and old and new regimes
- Deductions under Section 80C and 80D
- Retirement planning: EPF, PPF, NPS and Atal Pension Yojana
- Nomination and will
About this course
You will be able to
- Set financial goals and apply time value of money to personal decisions
- Prepare a personal budget, plan an emergency fund and use credit wisely
- Compare investment avenues such as deposits, PPF, shares, mutual funds and bonds by risk and return
- Choose suitable life, health and general insurance cover
- Plan tax savings and retirement and understand nomination and wills
Who it is for
- B.Com students (General and Accounting & Taxation streams) of Semester 3 under the UP State Universities NEP 2020 syllabus
- Students from any faculty taking Personal Finance as the minor elective
- Young earners who want to manage savings, loans and investments sensibly
What you need
- Basic arithmetic (percentages and interest)
Online tests & result
Practice and unit tests online; marks and result show in your student login and at the centre.
Student login →
Questions
Does the course recommend specific shares or funds?
No. It teaches how each product works and how to judge risk; it does not give investment tips.
Is the content up to date?
Tax limits and scheme details change with the Budget; we update notes each year and follow your university syllabus.
Which syllabus does the course follow?
It follows the UP State Universities NEP 2020 common minimum syllabus for B.Com. Where your own university's syllabus differs, the centre teaches as per your university syllabus and papers.
