Vault 1

Money & Smart Spending

💼

Vault 2

Earning, Saving & Goals

📋

Vault 3

Budgeting & Money Management

🏛️

Vault 4

Banking & Digital Payments

📈

Vault 5

Growing Money & Tax

Activity A: Inflation Calculator

1. Toor Dal: 37.5%
2. Petrol: ~9.6%
3. School Fees: 20%
4. Tomatoes: 83.3%
5. Movie Ticket: 38.9%
Highest: Tomatoes (83.3%)
Lowest: Petrol (9.6%)

Activity B: Decode the Headlines

News 1: (a) EMIs will rise (b) Inflation expected to cool
News 2: Rupee weakens → phone & petrol costlier
News 3: No, high GDP growth can fuel demand-pull inflation

Activity C: Rent vs Buy

1. ₹13,20,000
2. ₹32,40,000
3. ~₹22,68,000
4. Renting is smarter for 5-year stay
5. ₹15L @ 12% for 5 yrs ≈ ₹26.4 lakh

Activity D: Consumer Rights

1. Right to Safety & Redress → consumerhelpline.gov.in
2. Right to Safety & Information → Complain to FSSAI
3. Right to Information (MRP is max legal price) → Consumer helpline

Activity E: Quick Quiz

Q1: b) CPI
Q2: b) GDP falling 2+ quarters
Q3: b) Weakens
Q4: b) File complaint at consumer forum
Q5: b) Returns you give up

⭐ Bonus: Lifetime Earnings

Open — teacher reviews comparison.
Sample: CA ~₹4–6 crore over 35 yrs; IAS ~₹3–4 crore + pension & housing.
Non-financial factors: job satisfaction, work-life balance, social impact.

Activity A: Business Plan

Open-ended creative activity. Evaluate for completeness (all 6 sections filled), realism, and clarity.

Activity B: Decode Payslip

1. Gross = ₹50,000
2. PF = ₹3,000
3. Deductions = ₹5,500
4. Net Pay = ₹44,500
5. Take-home % = 74.17%
6. Annual savings = ₹1,06,800

Activity C: Compounding

5yr: ₹1,76,234
10yr: ₹3,10,585
20yr: ₹9,64,629
30yr: ₹29,95,992
Year 0-10: grew ₹2.1L
Year 20-30: grew ₹20.3L (10× more!)

Activity D: Match Terms

1→D (CTC)
2→A (HRA)
3→F (Provident Fund)
4→C (Angel Investor)
5→G (Net Pay)
6→E (Compounding)
7→B (PPF)

Activity E: Quick Quiz

Q1: b) Cost to Company
Q2: c) HRA
Q3: b) Time in years
Q4: c) Wealthy individual funding startups
Q5: c) ₹3,10,000
Q6: b) Public Provident Fund

⭐ Bonus: Start Early vs Start Late

Ananya: ₹2,000/mo × 456 mo = ₹9,12,000 → ≈ ₹1.28 crore
Rohan: ₹4,000/mo × 336 mo = ₹13,44,000 → ≈ ₹65 lakh
Ananya wins by ~₹63 lakh despite investing ₹4.32L less — time beats amount.

Activity A: Financial Plan

Open-ended. Evaluate: all 6 pillars covered, realistic budgets, emergency fund included, insurance considered.

Activity B: Compare 3 Financial Plans

Open-ended table comparison across Aggressive / Balanced / Conservative plans. Evaluate that the student picks a plan matching their risk profile and timeline, with reasoning.

Activity C: 5-Year Plan

Open-ended. Evaluate: realistic goals, proper instrument selection, emergency fund prioritized in year 1.

Activity D: Insurance

1. Ravi: Life + Health (sole earner, family dependent)
2. Meera: Health (no dependents, no life needed)
3. Suresh: Health (age-related risks, has savings)
4. Priya: Life + Health (2 kids, modest income)

Activity E: Quick Quiz

Q1: c) Needs
Q2: c) 6 months expenses
Q3: c) Government-backed
Q4: b) Splitting savings across products by goal horizon
Q5: c) Tax-free (Section 87A)

⭐ Bonus: Basic Tax Calculation

Arun ₹12,50,000/yr (SD ₹75,000):
Taxable = ₹11,75,000
₹0–4L @ Nil = ₹0
₹4L–8L @ 5% = ₹20,000
₹8L–11.75L @ 10% = ₹37,500
Tax = ₹57,500 → +4% cess = ~₹59,800/yr (~₹4,983/mo).

Activity A: EMI Calculator

Education: EMI ≈ ₹16,997. Total = ₹10,19,820. Interest = ₹2,19,820.
Home: EMI ≈ ₹26,035. Total = ₹62,48,400. Interest = ₹32,48,400.
Personal: EMI ≈ ₹6,933. Total = ₹2,49,588. Interest = ₹49,588.
Home loan has highest ratio — longer tenure = more compounding.

Activity B: Statement Analysis

1. ₹38,360 (total due)
2. ₹1,918 (minimum due)
3. Interest on carried balance of ₹12,000 from previous month
4. Unpaid = ₹36,442. Interest ≈ ₹36,442 × 3% = ₹1,093

Activity C: Red Flags

Cl.1: 3% fee is very high (normal 0.5-1%)
Cl.2: 3-yr lock-in + 5% penalty traps you
Cl.3: "Sole discretion" rate hike is unfair
Cl.4: 2%/mo overdue = 24% extra — harsh
Cl.5: Forced insurance is bundling
Cl.6: Lender-only arbitration is unfair

Activity D: Debt Trap

M1: ₹75,000→Min ₹3,750→Int ₹2,250→Princ ₹1,500→Close ₹73,500
M2: ₹73,500→Min ₹3,675→Int ₹2,205→Princ ₹1,470→Close ₹72,030
M3: ₹72,030→Min ₹3,602→Int ₹2,161→Princ ₹1,441→Close ₹70,589
Total paid: ₹11,027. Principal reduced: ₹4,411. Interest: ₹6,616.

Activity E: Quick Quiz

Q1: b) Equated Monthly Instalment
Q2: c) 3%
Q3: b) Pay off the loan early
Q4: b) Use a virtual credit card
Q5: c) Around ₹88,000

⭐ Bonus: Cybersecurity Scenarios

1. OTP scam → Social Engineering. Never share OTP; banks never ask.
2. SIM Swap → Call bank to block, report to carrier, file FIR.
3. Deepfake video call → Verify via separate channel; never transfer on video alone.
4. Data Breach Risk → Use virtual card; never save real details online.

Activity A: Read This Stock

1. MegaTech P/E = ₹2,400 ÷ ₹80 = 30
2. QuickServe P/E = ₹600 ÷ ₹30 = 20
3. QuickServe is relatively cheaper (P/E 20 vs 30).
4. ₹2,400 × 20 crore = ₹48,000 crore. Verified!
5. No. Lower share price does NOT mean cheaper stock.

Activity B: Build Your Portfolio

Sample: ₹40,000 Equity MF + ₹20,000 Debt MF + ₹15,000 FD + ₹15,000 PPF + ₹10,000 Gold = ₹1,00,000. Accept any reasonable split. Key: diversification, matching risk to timeline.

Activity C: Sensex & Nifty

1. 30 companies on BSE.
2. 50 companies on NSE.
3. 1,000-point drop = major market fall (bad news or panic).
4. False. Individual stocks may still go up.
5. Nifty 50 covers 50 companies across sectors — broad benchmark.

Activity D: ITR Filing Steps

Correct order:
1. Collect Form 16 & bank statements
2. Login to incometax.gov.in
3. Select ITR form & enter income
4. Claim deductions (Section 80C)
5. Submit & download acknowledgement
6. e-Verify (Aadhaar OTP / net banking)

Activity E: Quick Quiz

Q1: b) Price ÷ Earnings Per Share   Q2: b) BSE   Q3: c) July 31   Q4: c) PPF   Q5: c) Stock A

⭐ Bonus: Compare Two Stocks Using P/E

PharmaCare P/E = ₹3,200 ÷ ₹160 = 20  |  HealthFirst P/E = ₹480 ÷ ₹20 = 24. PharmaCare is relatively cheaper (lower P/E = better value). Lower share price does NOT mean cheaper stock — P/E measures value relative to earnings.