Personal Finance Mastery: The Indian Playbook
A no-jargon, India-first guide to budgeting, investing, insurance, and tax planning — so your money works as hard as you do.
What you'll learn
What you'll be able to do
- Build a zero-based monthly budget calibrated to Indian expense categories and salary structures
- Understand and optimise your tax liability under the Old vs. New Tax Regime using legitimate deductions (80C, 80D, HRA, NPS)
- Distinguish between term, endowment, ULIP, and health insurance — and know exactly what to buy (and what to avoid)
- Construct a goal-based investment portfolio using mutual funds, PPF, NPS, and direct equities suited to your risk profile
- Understand how SIPs, step-up SIPs, and lump-sum investing work and calculate the corpus needed for retirement, home purchase, or children's education
- Identify and escape common financial traps: LIC endowment policies as investments, chit funds, and over-leveraged real estate
- Read and act on your Form 26AS, AIS, and ITR to file taxes confidently without a middleman
- Create a written, actionable personal financial plan with clear milestones for the next 1, 5, and 20 years
How it works
A school that adapts to you
This isn't a set of static videos. Every lesson is generated live and tuned to where you actually are.
We learn your level
A quick placement check tailors your starting point so you're never bored or lost.
Lessons adapt as you go
Each lesson is written for your pace and your goal, adjusting as your skills grow.
Your AI coach keeps you moving
Checkpoints, feedback, and gentle nudges turn progress into a real result.
The curriculum
What's inside your school
6 modules · 21 lessons
Know Where You Stand — Your Financial Snapshot
Before you can improve your finances, you need an honest, complete picture of your current situation. This module covers net worth calculation, understanding your salary slip, and diagnosing financial leaks.
- 1.1Decoding Your Salary Slip: CTC vs. Take-Home vs. What You Actually KeepIncluded
- 1.2Your Net Worth in 30 Minutes: Assets, Liabilities, and the Number That MattersIncluded
- 1.3Finding Your Money Leaks: A 3-Month Spending AuditIncluded
Build a Budget That Actually Survives Contact with Real Life
Budgeting fails because most templates aren't built for Indian realities — festival spending, family obligations, irregular income, and annual insurance premiums. This module fixes that.
- 2.1The 50/30/20 Rule — and Why Indians Need to Tweak ItIncluded
- 2.2Zero-Based Budgeting: Giving Every Rupee a JobIncluded
- 2.3Budgeting for Irregular Income: Freelancers and Commission-Based EarnersIncluded
Taxes — Pay Less, Legally
India's tax code is full of legitimate deductions most salaried employees never claim. This module demystifies the Old vs. New Tax Regime, walks through every major deduction, and shows you how to file your own ITR.
- 3.1Old Regime vs. New Regime: Which One Actually Saves You More?Included
- 3.2Maximising Deductions: 80C, 80D, HRA, NPS, and BeyondIncluded
- 3.3Filing Your Own ITR: Form 16, 26AS, AIS, and the e-Filing PortalIncluded
- 3.4Advance Tax and Taxes for FreelancersIncluded
Insurance — Protection Without the Rip-Off
India's insurance industry is notorious for blending insurance with investment in ways that benefit the seller, not the buyer. This module teaches you to buy only what protects you — nothing more.
- 4.1Term Insurance: The Only Life Insurance Most People NeedIncluded
- 4.2Health Insurance: Floaters, Top-Ups, and Why Your Corporate Cover Isn't EnoughIncluded
- 4.3Auditing Your Existing Policies: LIC, ULIPs, and EndowmentsIncluded
Investing — Build Wealth That Beats Inflation
FDs don't beat inflation after tax. This module introduces you to the full spectrum of Indian investment instruments and shows you how to build a goal-based, tax-efficient portfolio.
- 5.1The Indian Investor's Toolkit: FD, PPF, NPS, Mutual Funds, Stocks, REITs, and GoldIncluded
- 5.2Mutual Funds 101: Direct vs. Regular, SIP vs. Lump Sum, and Fund SelectionIncluded
- 5.3Goal-Based Investing: Mapping Money to MilestonesIncluded
- 5.4Understanding Risk, Asset Allocation, and RebalancingIncluded
- 5.5Capital Gains Tax: The Hidden Cost of InvestingIncluded
Your Complete Financial Plan — Putting It All Together
The final module ties every thread together into a written, personalised financial plan. You'll also learn about emergency funds, EPF, and how to review and evolve your plan as life changes.
- 6.1The Emergency Fund: How Much, Where to Park It, and When to Use ItIncluded
- 6.2EPF, VPF, and Gratuity: Making the Most of Employer BenefitsIncluded
- 6.3Writing Your Personal Financial PlanIncluded
Questions
Frequently asked
Your teacher
A note from your teacher
VIKASH KUMAR JAIN
Hi, I'm [Your Name]. I spent the first three years of my career doing exactly what most Indians do — parking everything in FDs, paying for an endowment policy I didn't understand, and assuming my company's default EPF was "enough" for retirement. It wasn't until I sat down and actually mapped my money that I realised how much I was leaving on the table.
Since then, I've spent years studying the Indian financial system — its quirks, its traps, and its genuine opportunities — and helping friends, family, and colleagues build plans that actually fit their lives. I'm not a SEBI-registered advisor, and this isn't personalised financial advice. What I am is someone who has done the reading, made the mistakes, and distilled everything into a practical, honest framework that works for Indian salaries, Indian goals, and Indian tax laws. I'm excited to share it with you.
— VIKASH KUMAR JAIN
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- 6 modules, 21 lessons
- AI-adaptive lessons tuned to your level
- Quizzes & checkpoints to lock in progress
- Your own AI learning coach
- Learn on any device, at your pace
- Full access for as long as you're subscribed