FinJunior Financial Literacy Curriculum & School Syllabus Guide
A structured 8-module pedagogical blueprint for Indian educators, school principals, and homeschooling parents. Mapped to the National Centre for Financial Education (NCFE), CBSE Skill Education circulars, and RBI student awareness benchmarks.
1. CBSE & NEP 2020 Compliance
Directly satisfies NEP 2020 Section 4.25 guidelines mandating experiential skill modules in middle schools, bridging theoretical textbook math with real-world financial literacy.
2. NCFE NFLAT Preparation
Covers 100% of core competencies tested in the National Financial Literacy Assessment Test (NFLAT) conducted across Indian high schools by RBI, SEBI, IRDAI, and PFRDA.
3. Culturally Rooted Case Studies
Set in historic Mysore with brother-sister duo Kavya and Dev guided by Ajji. Replaces foreign currency examples with Gullaks, Dasara Diya stalls, UPI PINs, and Indian Rupee economics.
Official 8-Module Syllabus & Learning Outcomes Matrix
Each module contains a 30–50 panel interactive graphic novel with branching decision points, real-time math simulators, and a graded 5-question mastery quiz.
The Mysore Dussehra Mystery: The Power of Saving
CBSE Class 6 Skill Module: Financial Literacy (Unit 1: Money & Savings)
Core Concept Mastered:Emergency Savings, Needs vs Wants, Delayed Gratification & The 10% Growth Seed
- Distinguish between essential survival needs and discretionary impulse wants.
- Understand delayed gratification through the 10% pocket money savings seed.
- Calculate the timeline required to reach a target savings goal.
The Bank Vault & The Mystery of The Vanishing Kulfi
NCFE Basic Financial Literacy (Theme: Banking Services & Purchasing Power)
Core Concept Mastered:Banking Operations, Compound Interest, Inflation Dynamics & Purchasing Power
- Learn how savings accounts and fixed deposits earn compound interest.
- Understand how inflation silently erodes cash purchasing power over time.
- Explore why keeping money in a bank vault beats hiding cash in a home mattress.
The Fake Game Coin Trap: The Cyber Shield & Secret OTP
CBSE / Cyber Safety Guidelines & RBI Kehta Hai Financial Awareness
Core Concept Mastered:Digital Banking Security, Secret OTPs, Phishing Scams, Panic Timers & RBI 1930 Cyber Safety
- Identify phishing scams, fraudulent game currency links, and social engineering tricks.
- Understand why OTPs, UPI PINs, and passwords must NEVER be shared with anyone.
- Know the emergency National Cyber Fraud Helpline (1930) and reporting protocol.
The City Builders & The Broken Bridge: Why We Pay Taxes
NCERT Social Science / Civics (Government Budgets & Public Facilities)
Core Concept Mastered:Civic Economics, Public vs. Private Goods, Municipal Taxes (GST/Property/Income Tax), Common Treasury & The Cost of Vandalism
- Differentiate between private goods and shared public goods (bridges, parks, streetlights).
- Understand direct taxes (Income Tax) and indirect consumption taxes (GST).
- Recognize civic responsibility and the communal financial cost of public property damage.
The Shield of Chamundi & The Monsoon Storm: Risk Management & Insurance
NCFE / IRDAI Financial Education for Schools (Theme: Protection & Insurance)
Core Concept Mastered:Risk Management, Insurance Premiums, Shared Community Risk Pools, Catastrophic Loss Protection & Property/Health/Life Shields
- Understand risk pooling: how small regular premiums protect against catastrophic financial losses.
- Compare health insurance, vehicle insurance, property insurance, and life coverage.
- Learn the difference between an insurance safety shield and an investment asset.
The Borrowed Skates & The Debt Trap: Smart Borrowing vs. Debt Literacy
CBSE Secondary Mathematics & Commercial Arithmetic (Compound Interest & Credit)
Core Concept Mastered:Borrowing vs. Saving, Hidden Interest Costs, EMI Traps, Late Payment Penalties, Productive Good Debt vs. Depreciating Bad Debt & Debt Snowball Settlement
- Distinguish productive "Good Debt" (education, durable tools) from depreciating "Bad Debt".
- Calculate the real cost of loan EMIs, interest rates, and compounding late fee penalties.
- Master the Debt Snowball method to systematically extinguish multiple borrowings.
The Mysore Dasara Diya Stall: Profit, Loss & The Art of Micro-Enterprise
CBSE Vocational Entrepreneurship & Commerce Fundamentals
Core Concept Mastered:Micro-Enterprise Economics, Unit Costing, Selling Price vs. Cost Price & Net Profit Margins
- Compute raw material costs, labor expenses, and packaging overheads to find unit cost.
- Set competitive selling prices to achieve sustainable net profit margins.
- Understand reinvestment of business earnings into growth inventory vs cash drawings.
The Royal Sweet Empire & The Magic of Shares: Stocks, Equity & Dividends
SEBI National Financial Education & Senior Secondary Economics
Core Concept Mastered:Capital Markets, Equity Ownership, Shares, Corporate IPOs & Compounding Dividends
- Understand fractional ownership in public corporations and the mechanics of an IPO.
- Learn how businesses distribute profits via shareholder cash dividends.
- Experience the power of 10-year equity compounding and diversification across sectors.
30-Minute Classroom Implementation Guide for Teachers
How to conduct a FinJunior session in school computer labs, on smartboards, or as an assigned weekly activity:
Students open the quest in pairs or individually on their browser. They read through the story panels and debate decision forks (e.g. choosing whether to spend festival pocket money or seed 10% into savings).
Students interact with the live calculation simulator built into the quest (e.g. adjusting interest rates, watching compounding charts, or calculating unit profit margins).
Students attempt the 5-question mastery quiz. Upon scoring passing marks, they enter their name and download their official 1600x1000 FinJunior Certificate of Mastery to submit for school assessment.