116 C: Financial Literacy (Sem – I)

1. Financial Literacy 
1.1 Meaning, Definitions, Importance, Merits, and Demerits of Financial Literacy
1.2 Role of Financial Education in Achieving Financial Well-being

2. Financial Planning 
2.1 Meaning and Importance of Financial Planning
2.2 Basics of Savings and Investment: Savings vs. Investment, Risk and Returns, Inflation Effects

3. Financial Institutions and Payment 
3.1 Meaning of Financial Institutions: Banking and Non-Banking
3.2 Post Offices and Financial Planning
3.3 Budget: Meaning, Family Budget, Business Budget, National Budget, Budget Deficit and Surplus.
3.4 Digitalization of Financial Transactions: Debit Cards (ATM Cards) and Credit Cards, Net Banking and UPI, Digital Wallets

125 C: Financial Literacy (Sem – II)

4. Savings Related Products 
4.1 Types of bank accounts: Savings account, Current account, fixed deposits, recurring deposits, Special Term Deposit Schemes
4.2 Loans and Types of loan advanced by Banks, Various modes of transfer through banking channel: NEFT, RTGS

5. Financial Markets I 
5.1 Capital Market Vs Money Market, Securities and its types, Equity, Debentures or Bonds, IPOs and FPOs,
5.2 Mutual Funds, Types of Mutual Funds, Brokers,
sub-brokers

6. Financial Inclusion 
6.1 Pradhan Mantri Jan Dhan Yojana
6.2 Pradhan Mantri Suraksha Bima Yojana
6.3 Pradhan Mantri Jeevan Jyoti Bima Yojana
6.4 Atal Pension Yojana, MUDRA Loans