Description
Vertical 4 : SEC – Finance
Financial Inclusion Skills in Youth
S.Y.B.Com. (Management Studies) – Semester IV
Syllabus As Per NEP 2020 Academic Year 2025-26
Module 1 : Introduction to Financial Literacy and Financial Inclusion 15 Hours
1. Financial Literacy – Meaning, Need, Benefits of Financial Literacy – Individuals, Community and Financial System, Consequences of Financial Illiteracy, Role of Financial Literacy in Promoting Financial Inclusion
2. Saving – Meaning and Importance of Saving, Types of Income, Types of Expenses, Management of Spending and Financial Discipline
3. Setting SMART Financial Goals, Income Tracking and Expense Categorization, Creating and Managing a Personal Budget, Importance Key Financial Services : Banking, Savings, Credit, Insurance
4. Financial Inclusion : Definition, Barriers to Financial Inclusion for Youth, Extent of Financial Exclusion, Challenges of Financial Inclusion, National Strategy for Financial Inclusion
Module 2 : Priority Sector Financing and Government Initiatives 15 Hours
1. National and International Perspectives – Microfinance : Concept, Formal, Semi-Formal and Informal MFIs – Microfinance Delivery Methodologies – Recent Developments of Microfinance in India
2. Financial Inclusion Schemes in India : Pradhan Mantri Jan Dhan Yojana (PMJDY) – Pradhan Mantri Mudra Yojana (PMMY) – Pradhan Mantri Suraksha Bima Yojana – Jeevan Suraksha Bandhan Yojana
3. Financial Inclusion Programmes Organised by RBI, Modern Financial Inclusion Instruments, Rural Credit : Concept, Need, Characteristics and Sources of Rural Credit – NABARD
4. Components of Priority Sector – RBI Guidelines, Government Initiatives : Poverty Alleviation Programmes/Employment Programmes/Production-Oriented Programmes – Educational Loans
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