I f ound out about the various kinds of investments

I learnt how to make and f ollow budgets f my or expenses

I learnt how the stock markets work

Pocket Money is SEBI and NISM's flagship program to increase financial literacy among school students. It aims to make school students understand the value of money and the importance of saving, investing and financial planning. We believe that imparting real life financial skills to school students is critical to their holistic development. This program is the first step in that direction to build a nation which not only understands the value of money but also has the right knowledge and skills required for taking responsible financial decisions.

I learnt the benefits and problems of borrowing money

I learnt how to deposit a cheque at the bank

I learnt the importance of saving money

National Institute of Securities Markets (NISM) is a public trust established by the Securities and Exchange Board of India (SEBI), the regulator for securities markets in India. NISM's core objective is to enhance the quality of financial markets by undertaking various educational initiatives for industry participants as well as investors. For more information visit www.nism.ac.in and www.sebi.gov.in

But, we already teach students Economics and Accounting...

These subjects are vital. However, they also need to be supplemented with knowledge and skills that prepare students to handle money effectively in real life. Whether it is the ability to operate a bank account early or understanding the importance of saving and investing for future goals, this program is critical to their overall development.

Why is the Pocket Money program required for my students?

This program will build a strong foundation and help in inculcating responsible money habits that would last for a lifetime. The topic of 'money' should not be avoided with a fear that children will become 'moneyminded'. Lack of appropriate teaching has a greater risk of children being wrongly influenced and misguided. A combination of conceptual knowledge and real-life skills make this program extremely useful and practical for students.

Building a strong foundation with real-life skills that prepare young students in managing their personal finance wisely is an important mission...
Mr. C.B. Bhave, Ex-Chairman, SEBI

So, what exactly does your program teach?

The Pocket Money program, delivered over 8 interactive sessions, covers topics like: 1) Saving and Financial Planning 2) Budgeting: Needs Vs. Wants | Income and Expenditure 3) Basics of Banking 4) Why Invest 5) Terminology of the Markets 6) Options for Investing: Pros and Cons 7) Borrowing Money: Benefits and Hazards 8) Case Studies: Practical Examples, Lessons and Tips

Our Program uses the following teaching aids and tools to make learning fun and activity-based: Students' Module: Eight interactive funfilled sessions Money-maxims: A handy reference of financial facts, figures and planners Trainers Module: Detailed teaching guidelines for teachers Kids Bank Samples: Images of Cheques, DDs, Withdrawal Slips etc. that are used in everyday banking. Family Module: For involving parents in the learning process.

Sounds good, but how does this program work?

The Pocket Money program is designed to be taught to students in Class 9 to Class 12 at schools across India. The program consists of the following components:

We got a very encouraging response from over 33 schools and 5000 students who participated in the pilot program
Prof. G. Sethu, Head, NISM

Step 1: Teacher Training

Teachers nominated by the school are trained to teach the program and given instruction guides that provide teaching methods and tips for each module.

Step 2: Student Enrollment and Classes:

Enrolled students get a set of 8 Pocket Money modules. The program is taught across 8 sessions, to be delivered over 3 months as per the school's convenience.

Step 3: Certificate Examination:

At the end of the course, an evaluation is conducted by NISM in co-ordination with the school. There will also be inter-school competition and awards.

What do the students and teachers get at the end of the program?
Our certification and recognition process helps motivate students and teachers. Every student who completes the Pocket Money program successfully is given a certificate and all teachers are honoured for helping raise financial literacy in the country.

OKAY! Were convinced. How do we participate?

Participating in the Pocket Money program is simple. A school must appoint a teachercoordinator for the program and register with us on the contact details mentioned below.

The students and teachers found it both useful and informative. As a teacher I learnt a lot too...
Mrs.Sushila Ramanan, Teacher and Coordinator, Sri Sankara School, Chennai

Sign Up for the Pocket Money Program

Please contact our Lead Co-ordinator Mr. Murli Iyer for signing up or if you have any questions.Write to murli.iyer@nism.ac.in or call 022-66735100-06.

Please contact our Lead Co-ordinator Mr. Murli Iyer for signing up or if you have questions. Write to murli.iyer@nism.ac.in or call 09821529952 | 22-66735100-06

A financial literacy initiative by:

Securities and Exchange Board of India

Plot No. C4-A, SEBI Bhavan, 'G' Block, Bandra Kurla Complex, Bandra (East), Mumbai - 400051 Maharashtra, India Phone: +91-22-26449000 www.sebi.gov.in ..............................................................................................

National Institute of Securities Markets

NISM Bhavan, Plot No. 82, Sector-17, Vashi, Navi Mumbai - 400 705 Maharashtra, India Phone: +91-22-66735100-06 www.nism.ac.in