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: Exchange Rate Math

1. $15 × 93.31 = ₹1,399.65

2. £8 × 126.58 = ₹1,012.64

3. €6 × 109.98 = ₹659.88

4. 50 × 25 = ₹1,250

5. 9,000 ÷ 93.31 = $96.45

Activity B: ₹500 Budget

Answers vary. Total = ₹500, reasonable split (e.g., 50% needs, 30% wants, 20% savings).

Activity C: Opportunity Cost

Answers vary — check that students identify both the choice AND the opportunity cost.

Activity D: Impulse Check

1. ✅ Planned/Needed (shoes have holes)

2. ❌ Impulse (checkout counter item)

3. ✅ Planned (next semester, during sale)

4. ❌ Impulse (Instagram ad triggered)

5. ✅ Planned/Needed (replacement)

Activity E: Quick Quiz

Activity A: P&L Statement

Total Expenses: 60+40+30+20 = ₹150

1. Revenue: 20 × 20 = ₹400

2. Total Expenses: ₹150

3. Profit: 400 − 150 = ₹250

4. Revenue: 5 × 20 = ₹100; Loss: −₹50

5. Break-even: 150 ÷ 20 = 8 bookmarks

Activity B: Profit Split

Open-ended — divide ₹800 into Re-invest / Save / Goal Fund / Give. Check total = ₹800.

Activity C: Match Terms

1→C   2→B   3→G   4→D

5→A   6→H   7→F   8→E

Activity D: Break-Even

1. 240 ÷ (10 − 2) = 30 stickers

2. 300 ÷ (20 − 8) = 25 packs

3. 100 ÷ (15 − 5) = 10 cards

4. 150 ÷ (22 − 7) = 10 bookmarks

5. 600 ÷ 12 = 50 tiffins/month

Activity E: Quick Quiz

Activity A: Monthly Budget

1. Fixed: 6,000+2,500+1,200 = ₹9,700

2. Variable: 5,000+2,063+1,000 = ₹8,063

3. Savings: 25,000 − 17,763 = ₹7,237

4. Open — reduce any variable expense.

Activity B: Emergency Fund

1. 18,000 × 3 = ₹54,000

2. 25,000 × 6 = ₹1,50,000

3. (60,000 − 20,000) ÷ 5,000 = 8 months

Activity C: Fixed or Variable?

1. Fixed   2. Variable   3. Fixed

4. Variable   5. Fixed   6. Variable

Activity D: Match Terms

1→D   2→B   3→H   4→G

5→E   6→A   7→C   8→F

Activity E: Quick Quiz

Activity A: Account Opening Steps

d=1, e=2, b=3, g=4, f=5, h=6, a=7, c=8

Activity B: RBI Quiz

1. Reserve Bank of India

2. 1935

3. Sets rates, prints currency, regulates banks

4. Mumbai (Mint Road)

5. Ensures banks follow rules, like a referee

Activity C: Branch vs Online

Branch: face-to-face help, first-timers, elderly

Online: tech-savvy, short on time, remote areas

Activity D: Account Opening Form

Answers vary. Check: all fields filled, Aadhaar 12 digits, mobile 10 digits, nominee named.

Activity E: Quick Quiz

Activity A: SI Calculator

1. SI=₹1,440; Total=₹9,440

2. SI=₹2,400; Total=₹17,400

3. SI=₹6,000; Total=₹26,000

4. SI=₹4,500; Total=₹54,500

5. SI=₹7,000; Total=₹32,000

Activity B: Compare the FDs

Bank A: SI=₹3,900; Total=₹33,900

Bank B: SI=₹4,200; Total=₹34,200

Post Office: SI=₹4,800; Total=₹34,800

Best: Post Office (+₹900 vs Bank A)

Activity C: FD Growth Table

6%/2yr: SI=₹3,000; Total=₹28,000

7%/3yr: SI=₹5,250; Total=₹30,250

8%/2yr: SI=₹4,000; Total=₹29,000

8.5%/5yr: SI=₹10,625; Total=₹35,625

Activity D: Word Problems

1. SI=₹27,000; Total=₹1,27,000

2. SI=₹2,520

3. Both earn ₹7,200 (same SI)

4. SI=₹40,000; Total=₹2,40,000

5. SI=₹6,000; Maturity=₹21,000

Activity E: Quick Quiz