Personal finance course

Personal finance course for India: free, with an English, Hindi and Gujarati app

Budgeting, emergency funds, insurance, loans and credit scores, SIPs and mutual funds, tax and retirement. Short lessons, honest quizzes and a certificate you can verify.

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Money habits and maths

Think clearly about money, time and behaviour.

Financial maths for advisersTime value, CAGR, XIRR, SIP maths, inflation and costs: the numbers behind every client conversation.Investor behaviour and psychologyLoss aversion, herding, anchoring and the behaviour gap, plus a script for the hard conversation.

Tax and retirement

Keep more, plan for the years after work.

Tax and retirement planningCapital gains, switching and harvesting, IDCW and regimes, then retirement corpus maths, withdrawals and hones Tax on investments: capital gains, TDS and returnsHow gains, interest and dividends are taxed, what TDS means, how losses help, and how to file with confidence.Retirement: EPF, PPF, NPS and pensionsHow to size a retirement goal, and how EPF, PPF, NPS and other schemes can help you build and use it.

Budgeting and saving

Plan spending, build an emergency fund.

Budgeting and the emergency fundKnow where your money goes, choose a budgeting method that you will keep, build an emergency fund and handle d

Insurance and protection

Health, term and general insurance explained.

Life and term insuranceWhy life cover matters, how term insurance works, how much you need, and why you should keep insurance and inv Health insuranceHow health cover pays, what reduces your payout, waiting periods and exclusions, and how to choose and keep a General insurance: motor, home and travelHow motor, home, travel and accident cover works, what is excluded, and how claims are made.

Loans and credit

EMIs, credit scores and borrowing well.

Loans, EMIs and credit scoresHow EMIs are built, fixed versus floating rates, ways to cut interest, how credit scores work and how to use c

Scam and fraud safety

Spot and stop fraud before it costs you.

Financial scam safetySpot red flags, avoid digital fraud and fake investment schemes, verify who you deal with and know what to do

Wealth succession

Wills, nominations and passing wealth on.

Wealth succession and estate basicsWills, nominations, joint holding and family structures: how wealth passes on, and how to avoid disputes.

Basics of Mutual Funds

How funds work, SIPs, costs and the rules that protect you.

Mutual fund foundationsHow the industry works, what an SIP can and cannot promise, why costs and rules matter, and how to talk honest SIP, SWP, STP and goal investingStart, step up, transfer and withdraw: the systematic plans that turn goals into monthly habits.SEBI, AMFI and the rules of the roadWho runs a mutual fund, how funds are classified, what costs mean, and what you may and may not say to a clien

Types of Funds

Equity, hybrid, debt, index and multi-asset funds.

Equity fund categoriesLarge, mid, small, flexi, ELSS, sectoral and style funds: what each must hold and who each suits.Hybrid funds: balanced, arbitrage and equity savingsAggressive, conservative, balanced advantage, arbitrage and equity savings: how each works, how it is taxed, a Fixed income and debt fundsBond maths, duration, credit risk, the yield curve, SEBI categories, tax, and matching debt funds to goals hon Index funds and ETFs: passive investingIndex funds, ETFs, tracking error, smart beta and how to build a low-cost core.Multi-asset and allocationWhy allocation drives outcomes, how multi-asset funds work, and how to handle rebalancing, retirees and object

Basics of the Stock Market

Shares, exchanges, orders, IPOs and how to start safely.

How the stock market worksShares, exchanges, demat accounts, orders, settlement, IPOs and corporate actions: everything you need before Reading a company: fundamentalsEarnings, valuation ratios, profitability, debt and cash flow: how to judge a business before you judge its sh IPOs: how they work and how to judge themWhat happens when a company lists, how to apply, how allotment works and what to check before you invest.

Economy and markets

The big picture behind returns.

Indian economy and marketsGrowth, rates, inflation, flows and valuation, and how to turn the macro picture into a simple story for a cli Defence and manufacturingThe budget, production, exports and order pipeline behind the theme, and how to pitch it without overpromising

Frequently asked questions

Where should I start with personal finance?

Start with a budget and an emergency fund, then cover insurance, clear costly debt, and only then begin investing through a SIP.

How much should an emergency fund be?

A common rule is three to six months of essential expenses, kept in a safe and easy-to-withdraw place such as a savings account or liquid fund.

Is this personal finance course free?

Yes. All lessons, quizzes and practice are free. Sign in once with your mobile number or Google.

Can I learn personal finance in Hindi or Gujarati?

Partly. Every screen, menu and button switches between English, Hindi and Gujarati, and about a third of the lesson quiz questions have Hindi and Gujarati versions. Lesson text and NISM mock tests are in English for now.

Is this financial advice?

No. It is education only. Speak to a qualified adviser before you act on your own money.

UpperCrust Academy is independent study material from UpperCrust Wealth. It is not affiliated with NISM, SEBI or AMFI. For education only. Not investment advice. Always confirm the latest syllabus and rules on the official NISM website.