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: Demand & Supply

1. Down — high supply of mangoes

2. Up — high demand for gold

3. Stronger — more dollar supply in India

4. Weaker — India needs to buy more dollars for oil

Activity B: BNPL Calculator

1. ₹3,000 + ~₹135 interest = ~₹3,135

2. ₹20,000 + ~₹2,640 interest = ~₹22,640

3. ₹8,000 + ~₹480 interest = ~₹8,480

(Accept approximate answers; exact calculation varies by method)

Activity C: Lifestyle Inflation

Year 2: Savings = ₹3,000 — Trap (income +₹10K, savings same)

Year 3: Savings = ₹10,000 — Smart (savings grew more)

Year 4: Savings = ₹3,000 — Trap (back to low savings)

Activity D: Case Study Analysis

1. She spent on wants using credit and only paid the minimum balance, letting interest pile up

2. Stop using the credit card, pay more than the minimum each month, and create a repayment plan

3. Only use credit for genuine needs, always pay the full bill on time, and save before buying wants

Activity E: Quick Quiz

Activity A: Profit% & Loss% Calculator

1. Profit = ₹180, Profit% = (180÷120)×100 = 150%

2. Profit = ₹200, Profit% = (200÷800)×100 = 25%

3. Loss = ₹600, Loss% = (600÷3000)×100 = 20%

4. Profit = ₹2,500, Profit% = (2500÷5000)×100 = 50%

5. Loss = ₹100, Loss% = (100÷500)×100 = 20%

Activity B: Compare the Businesses

1. A: (100÷200)×100 = 50%; B: (200÷1000)×100 = 20%. A is better return.

2. A: (120÷400)×100 = 30%; B: (150÷600)×100 = 25%. A is better return.

3. A earns more total profit (₹500 vs ₹450). A has better Profit% (infinite vs ~128.6%). Accept reasoned answers.

Activity C: Freelancing Idea Planner

Open-ended activity. Answers will vary based on student’s chosen skill. Check that Profit = Charge − Cost, and Profit% = (Profit ÷ Cost) × 100 is calculated correctly. Monthly earning = Profit × 4 jobs.

Activity D: Case Study — Yashna’s Tough Week

1. Total income: ₹240 + ₹400 = ₹640

2. Total cost: ₹240 (jewelry materials)

3. Net earnings: 640 − 240 = ₹400

4. Jewelry: SP = CP = ₹240, so no profit, no loss (0%)

5. Diversification — graphic design income saved the week

Activity E: Quick Quiz

Activity A: My Monthly Income-Expense Ledger

Student’s own answers — personal ledger activity. Check that Income and Expense tables are filled, totals calculated, and Surplus/Deficit correctly identified.

Activity B: Calculate Savings

1. Total expenses: ₹710

2. Leaks: Canteen (₹200), auto (₹80), random (₹50) = ₹330

3. Total leaked: ₹330

4. New expenses: 710 − 330 = ₹380

5. New savings: 800 − 380 = ₹420/month

Activity C: Leak Plugger

1. Walk to friend’s house. Saving: ₹240/month

2. Use existing stationery. Saving: ₹120/month

3. Pack snacks from home. Saving: ₹220/month

Activity D: Find the Money Leaks!

1. Leaks: Daily samosa (₹250), fancy pen lost (₹40), auto to walkable market (₹60) = 3 leaks

2. Total leaked: ₹250 + ₹40 + ₹60 = ₹350

3. Leak % = (350 ÷ 600) × 100 = 58.3%

4. Bring tiffin instead of samosa; walk instead of auto

5. All leaks plugged: ₹600 − ₹270 = ₹330 saved

Activity E: Quick Quiz

Activity A: Choose the Right Transfer

1. NEFT — ₹15,000, not urgent

2. RTGS — ₹3,00,000, above ₹2L, immediate

3. UPI — ₹200, instant, 10 PM Sunday

4. IMPS — ₹40,000, 2 AM, 24/7

5. RTGS — ₹8L, above ₹2L, real-time

Activity B: Spot the Scam

1. REAL — Official alert, no links, no OTP request

2. SCAM — RBI never calls; asks Aadhaar; urgency

3. SCAM — Spelling errors, fake URL, asks OTP

4. REAL — Official app, helpline, no OTP asked

Activity C: OTP Safety

1. anyone   2. bank   3. block

4. link   5. report   6. verification

Activity D: Transfer Calculator

1. UPI — ₹150, low urgency

2. RTGS — ₹4L, HIGH urgency

3. IMPS/UPI — ₹2,000, late night

4. NEFT/IMPS — ₹50,000, medium

5. UPI — ₹80, low urgency

Activity E: Quick Quiz

Q1. b) RTGS — minimum ₹2,00,000

Q2. d) All of these — all work 24/7

Q3. c) Hang up — banks NEVER ask for OTP

Q4. b) Unified Payments Interface

Q5. c) RTGS — no max limit, real-time

Activity A: Year-by-Year CI

Year 1: ₹5,000 + ₹500 = ₹5,500

Year 2: ₹5,500 + ₹550 = ₹6,050

Year 3: ₹6,050 + ₹605 = ₹6,655

1. Total CI = ₹1,655

2. SI = ₹500 × 3 = ₹1,500

3. CI − SI = ₹155 extra

Activity B: SI vs CI (5 years)

SI: ₹1,000/yr × 5 = ₹5,000. Total = ₹15,000

CI: Yr1-5: ₹11K → ₹12.1K → ₹13.3K → ₹14.6K → ₹16,105

1. CI gives ₹1,105 more than SI

2. CI earns on growing total, not just original

Activity C: Mutual Fund Matching

1 → C (Mutual Fund — pool money)

2 → A (SIP — fixed monthly)

3 → D (Fund Manager)

4 → B (NAV — unit price)

5 → E (Rupee Cost Averaging)

Activity D: Word Problems

1. Yr1: ₹2,200 | Yr2: ₹2,420

2. GST = ₹2,700. Total = ₹17,700

3. Pooled money, expert invests, everyone shares returns

4. SI = ₹1,200. Total = ₹6,200

5. 72 ÷ 8 = 9 years

Activity E: Quick Quiz

Q1. b) ₹1,331

Q2. b) Interest on growing total

Q3. c) The fund manager

Q4. c) ₹118

Q5. b) Systematic Investment Plan