FinJunior Financial Literacy Curriculum & School Syllabus Guide

CBSE Class 6 Skill Module: Financial Literacy (Unit 1: Money & Savings)

Emergency Savings, Needs vs Wants, Delayed Gratification & The 10% Growth Seed

• Distinguish between essential survival needs and discretionary impulse wants.
• Understand delayed gratification, and how interest rewards money left to grow.
• Calculate the timeline required to reach a target savings goal.

NCFE Basic Financial Literacy (Theme: Banking Services & Purchasing Power)

Banking Basics, Savings Account vs Fixed Deposit, Compound Interest, Inflation & 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.

Related reading: RBI Kehta Hai digital-safety awareness; National Cyber Crime Reporting Portal (cybercrime.gov.in)

Digital Banking Security, Secret OTPs, Phishing Scams, Panic Timers & the 1930 Cyber Fraud Helpline

• 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.

NCERT Social Science / Civics (Government Budgets & Public Facilities)

Civic Economics, Public vs. Private Goods, Who Collects Which Tax (Income Tax and GST to the Union and State, Property Tax to the City) & The Cost of Vandalism

• Differentiate between private goods and shared public goods (bridges, parks, streetlights).
• Understand who collects which tax: Income Tax (Union), GST (shared by the Union and the state) and Property Tax (city).
• Recognize civic responsibility and the communal financial cost of public property damage.

NCFE / IRDAI Financial Education for Schools (Theme: Protection & Insurance)

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.

CBSE Secondary Mathematics & Commercial Arithmetic (Compound Interest & Credit)

Borrowing vs. Saving, Hidden Interest Costs, Late Payment Penalties, Productive Good Debt vs. Depreciating Bad Debt & Paying Back Honestly

• Distinguish productive "Good Debt" (education, durable tools) from depreciating "Bad Debt".
• Calculate the real cost of a weekly-instalment loan, and how late penalties make a debt grow.
• Compare borrowing now with saving first, and plan an honest way to repay a debt.

CBSE Vocational Entrepreneurship & Commerce Fundamentals

Micro-Enterprise Economics, Unit Costing, Paying Suppliers, 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.

SEBI National Financial Education & Senior Secondary Economics

Equity Ownership, Shares, How Companies Raise Money by Selling Shares, Dividends, Risk & Long-Term Compounding

• Understand how a company raises money by selling new shares, and what owning a share means.
• Learn how businesses share profits through dividends, and that share prices can fall as well as rise.
• Compare speculative day-trading with patient long-term ownership, using SEBI’s study of intraday traders.