This 8-week course offers a comprehensive and easy-to-understand exploration of Personal Finance. It simplifies the complex world of money management and empowers learners to make confident financial decisions. The course covers essential aspects such as earning, spending, saving, investing, credit management, insurance, taxation, and retirement planning - all presented in a practical, relatable, and engaging manner.
Learning Objectives:
By the end of this course, learners will be able to:
· Define personal finance and understand income and other basic financial concepts.
· Apply strategies for smart spending through budgeting, tracking, and managing daily expenses.
· Gain skills to use credit responsibly and manage debt for better financial health.
· Recognize the importance of saving, identify various saving options, and set meaningful financial goals.
· Understand why and how to invest, and explore basic investment concepts and instruments.
· Appreciate the role of insurance in financial protection and identify key types of coverage.
· Understand the basics of income tax, key deductions, and the significance of retirement planning.
· Develop a framework for long-term financial planning and decision-making to achieve financial security.
Target Audience:
This course is designed for students, young professionals, entrepreneurs, and homemakers who wish to build a strong foundation in personal financial management. It is also valuable for anyone looking to make informed financial decisions and achieve greater control over their money and future.
Indicative Industry Sectors:
· Banking and Financial Services
· Insurance and Investment Advisory
· Financial Planning and Consulting
Indicative Program Alignments:
· M.Com / MBA (Finance)
· Certificate and Diploma Courses in Banking, Finance, and Insurance
| Course Status : | Upcoming |
| Course Type : | Core |
| Language for course content : | English |
| Duration : | 8 weeks |
| Category : |
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| Credit Points : | 4 |
| Level : | Undergraduate/Postgraduate |
| Start Date : | 12 Jan 2026 |
| End Date : | 30 Apr 2026 |
| Enrollment Ends : | 28 Feb 2026 |
| Exam Date : | 17 Jun 2026 IST |
| Translation Languages : | English |
| NCrF Level : | 6.5 |
| Industry Details : | Banking & Financial Services |
| Shift : | Shift 1 |
Note: This exam date is subject to change based on seat availability. You can check final exam date on your hall ticket.
Week 1: Understanding Personal Finance - Earn Well
Week 2: Spend Smart: Manage Expenses
Week 3: Credit & Debt Management
Week 4: Power of Saving
Week 5: Investment - Grow Your Wealth
Week 6: Protect Your Future-Insurance Planning
Week 7: Tax Planning
Week 8: Retirement & Estate Planning
Dr. Ruchi Jain is an experienced academician with over 19 years of teaching and research experience in the areas of Banking, Finance, and Insurance. She has been actively involved in making financial education more accessible and practical for learners across all backgrounds.
Her academic journey reflects a deep passion for simplifying financial concepts and connecting them with real-life situations. Dr. Jain believes that understanding money, finance, and risk is essential for every individual, and her teaching style focuses on clarity, application, and learner engagement.
She has successfully coordinated the SWAYAM MOOC on Banking and Insurance, launched in January 2024, which has benefitted over 25,000 learners globally. Through her courses, Dr. Jain aims to empower learners with the knowledge and confidence to navigate today’s dynamic financial world with clarity and purpose.
Enrolling and learning from the course is free. However, if you wish to obtain a certificate, you must register and take the proctored exam in person at one of the designated exam centres. The registration URL will be announced when the registration form is open. To obtain the certification, you need to fill out the online registration form and pay the exam fee of Rs.750/-. More details will be provided when the exam registration form is published, including any potential changes. For further information on the exam locations and the conditions associated with filling out the form, please refer to the form.
Grading Components:
Internal Assignment Score: This contributes 25% to the final grade. It is calculated based on the average of the best 4 out of 8 assignments submitted during the course.
Proctored Final Exam Score: This contributes 75% to the final grade and is based on the proctored final exam, which is scored out of 100.
Overall Course Score: The overall course score is the weighted sum of the internal assignment score and the proctored final exam score.
Assessment Type | Weightage |
Weekend Assessment | 25% |
Final Exam | 75% |
Eligibility for Certification:
To qualify for the course certificate, you must meet both of the following criteria:
If either of these conditions is not met, you will not be eligible for certification, even if your final score is 40 or higher (out of 100).
Score | Type of Certificate |
>=90 | Gold |
76 - 89 | Silver |
61 - 75 | Bronze |
40 - 60 | Successfully Completed |
<39 | No Certificate |
Sample Certificate:
Disclaimer: In order to be eligible for the certificate, you must register for enrolment and exams using the same email ID. If different email IDs are used, you will not be considered eligible for the certificate.
The certificate of completion will include your name, photograph, and final exam score, along with a detailed score breakdown.
It will be electronically verifiable through the SWAYAM platform at https://swayam.gov.in/. Please note that only an e-certificate will be issued. Printed or hard copies will not be provided.
We sincerely appreciate your participation and interest in our online courses and certification programs. Wishing you continued success and an enriching learning experience with IIM Bangalore.
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