India Curriculum

A curriculum built for
every stage of life.

Three levels for students from Class 4 through 12 — plus a dedicated Adult Programme. Each level builds on the last. Each session builds on the previous.

L1
Foundation
Class 4–6
L2
Intermediate
Class 7–9
L3
Advanced
Class 10–12
18+
Adult
Working adults
Student Programme

Class 4 to Class 12 — three levels, one progression.

Each level is designed for where a student actually is in life, not just their age.

Level 1

L1 — Class 4–6

Age 8–10

Level 1 builds the money mindset from the ground up. Through stories, games, and real-life examples, young students discover what money is, where it comes from, and how everyday choices shape their financial future. Lessons are hands-on and age-appropriate, so financial literacy feels like play rather than a lecture — and the saving and spending habits formed here genuinely last a lifetime.

Best for: curious Class 4–6 students (age 8–10) taking their very first steps in money management.

What is Money?
The story of money — from barter to coins to UPI — and why every society invented it.
Needs vs Wants
Telling the difference and making smart spending choices — the foundation of all financial wisdom.
My First Budget
Planning pocket money and expenses with a simple, repeatable system kids actually enjoy using.
By the end, your child can:
Build a simple weekly budget, clearly explain needs versus wants, start their first savings goal, and understand in plain language how a bank keeps money safe and helps it grow over time.
Book a free demo for this level
Level 2

L2 — Class 7–9

Age 11–14

Level 2 moves from concepts to real financial tools. Students open the lid on bank accounts, interest rates, digital payments, and the first principles of investing — and start reasoning about money the way confident adults do. Every session connects to the world they already live in, from UPI and online shopping to the quiet power of saving and compounding early.

Best for: Class 7–9 students (age 11–14) ready to handle real money tools and digital payments responsibly.

How Banks Work
Savings accounts, interest rates, and how the banking system actually works behind the screen.
Understanding Interest
Simple vs compound interest — the single most powerful force in personal finance, made intuitive.
Smart Shopping
Discounts, EMIs, and pricing psychology — how to spot a good deal and avoid being tricked.
By the end, your child can:
Operate and track a bank account, explain how simple and compound interest work, use digital payments safely, and describe the basics of the stock market with genuine confidence.
Book a free demo for this level
Level 3

L3 — Class 10–12

Age 15–18

Level 3 prepares teenagers for real adult financial life — before they're thrown into it. Taxes, credit scores, investing, and insurance are demystified through practical, India-specific examples, so students walk into their first job or college already knowing the rules of the game instead of learning them the expensive way, years too late.

Best for: Class 10–12 students (age 15–18) heading toward college, first jobs, and financial independence.

Reading Your Pay Slip
Gross vs net salary, PF, and tax deductions explained clearly, line by line.
Credit Scores Explained
What affects your score, why it matters for loans and cards, and how to build great credit early.
Introduction to Investing
Stocks, mutual funds, and SIPs — how to start building wealth from your very first rupee.
By the end, your child can:
Read and understand a pay slip, explain what drives a credit score, make a basic investment decision between options like SIPs and fixed deposits, and draft a realistic first-year financial plan.
Book a free demo for this level
Adult Programme

Financial literacy for working adults.

Practical money management for people who are already earning — and want to do more with it.

Adult Programme

Fin Lit for Everyone

18+

The Adult Programme is practical financial planning for working adults at any stage. Whether you're managing a first salary, supporting a family, or planning for retirement, sessions meet you exactly where you are and turn financial literacy into a clear, personal action plan — taxes, investments, insurance, and goals, all in plain English with India-specific guidance.

Best for: working professionals and parents (18+) who want a confident, practical handle on their own money.

Personal Financial Planning
Goals, emergency funds, and a 10-year money roadmap tailored to your life stage.
Tax Basics for Everyone
ITR filing, 80C deductions, and NPS — stop leaving money on the table every year.
Building a Portfolio
Asset allocation, diversification, and long-term wealth building without the jargon.
By the end, you can:
Build a complete personal financial plan, manage taxes efficiently with the right deductions, choose investments and insurance that fit your goals, and set a clear, measurable path to financial freedom.
Book a free demo for this level
Who this is for
Adult Programme · 18+
Early-career professionals
Just got your first job? Learn to handle your salary, taxes, and savings from day one.
Parents who want to model good habits
Your kids watch how you handle money. Fynkio helps you get it right — and teach them by example.
Anyone who missed financial education
Better late than never. The fundamentals of budgeting, investing, and planning are timeless.

Ready to Start?

Not sure which level is right?

Book a free demo session. We'll assess your child's current understanding and recommend the right starting level — no guesswork.

No credit card required
Free 45-min session
24-hour assessment