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Certificate Course in Personal Finance &Literacy

The Certificate Course in Personal Finance & Literacy is a practical, easy-to-understand program designed to help individuals build strong foundations in money management, savings, investments, budgeting, debt control, and basic tax awareness. This course empowers learners to take control of their financial future by making informed decisions on banking, insurance, mutual funds, fixed deposits, credit cards, loans, and retirement planning. No prior knowledge is needed — it’s suitable for beginners who wish to become financially smart and independent.

Duration

1.5 to 2 Months

Eligibility

12th Pass (any Stream) / College Students & Young Professionals / Housewives & Retired Persons / Small Business Owners / Anyone interested in managing personal finances better

Mode

(Offline / Online / Blended Mode)

Support

placement Assistant

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Standard Course Curriculum

Module 1: Introduction to Personal Finance

  • What is Personal Finance & Why It Matters
  • 5 Pillars of Financial Health: Earn, Save, Invest, Borrow, Protect
  • Setting Financial Goals (Short-Term & Long-Term)

Module 2: Budgeting & Money Management

  • How to Prepare a Personal Budget
  • The 50-30-20 Rule for Money Allocation
  • Tracking Income & Expenses
  • Managing Irregular Income (Freelancers, Small Businesses)

Module 3: Banking & Digital Finance

  • Types of Bank Accounts (Savings, Current, Fixed Deposits)
  • Understanding UPI, Mobile Wallets & Digital Payments
  • Debit vs. Credit Cards: Pros & Cons
  • How to Avoid Banking Frauds

Module 4: Saving & Investment Options

  • Recurring Deposit (RD), Fixed Deposit (FD), PPF Explained
  • Mutual Funds Basics (SIP, Lumpsum)
  • Gold, Real Estate, Bonds as Investment Avenues
  • Risk & Return — How to Choose Right Investment

Module 5: Insurance & Protection

  • Life Insurance vs. Health Insurance
  • Term Plan vs. Endowment Plans
  • Mediclaim & Critical Illness Coverage
  • Understanding Nomination & Claim Process

Module 6: Loans & Credit Management

  • Types of Loans: Personal, Home, Education, Vehicle
  • Understanding EMI & Interest Rates
  • Credit Score & How It Affects Borrowing
  • Avoiding Debt Trap — Smart Borrowing Practices

Module 7: Tax Basics & Filing

  • Overview of Income Tax in India
  • Tax-Free Investments & Deductions (Section 80C, 80D, etc.)
  • How to File ITR (Basic Knowledge)
  • Importance of PAN, Aadhaar Linking, and KYC

Module 8: Retirement & Future Planning

  • Importance of Retirement Planning Early
  • NPS (National Pension Scheme), EPF, PPF
  • Creating Emergency Fund
  • Planning for Children’s Education & Marriage

Module 9: Final Project & Certification

  • Prepare a Personal Budget & Investment Plan
  • Create a Savings & Tax Plan for Next Financial Year
  • Online Test & Certificate Issuance

Skills You Will Gain

Course Benefits

Career Opportunities

Career & Life Benefits

Helps you achieve financial independence & security

Reduces financial stress & avoids debt traps

Prepares you for major life goals (Home, Car, Retirement)

Adds financial literacy skills useful in every profession

Option to guide family & friends on personal finance

Welcome to ITACAREDI Skills College

Empowering through Skills, Training & Education

WHY CHOOSE ITACAREDI?

ITACAREDI Skills College is a leading institution in India, dedicated to empowering individuals through quality education and skill development. Our literacy Computation program is designed to equip students with the knowledge and skills needed to excel in literacy compliance and literacyation roles.

  • Simple, easy-to-follow curriculum
  • Practical, hands-on training
  • Friendly and experienced trainers
  • Flexible class timings
  • Certification recognized by employers
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