Learn how money actually works, before it costs you.
The complete practical curriculum: earning, borrowing, protecting and taxation, taught from real statements, real credit reports and real policy documents. It is our flagship programme, and it is where most people should start.
Two offers on the same twelve lakh loan.
This is a real classroom sheet. One rate is quoted flat, the other on a reducing balance. The lower number is the more expensive loan, and by the end of day two you can prove that on paper without a calculator app.
Real documents on the table. That is the whole method.
Is this the right room for you?
Final-year students (UG and PG), working professionals, and business owners who were never formally taught any of this.
If you are starting out
One programme that covers every aspect of money you are about to meet, the salary, the card, the EMI, the policy, the return. Nothing assumed, nothing skipped.
If you already earn
The Advance track goes line by line through the things that look easy and are not. You leave understanding the purpose behind each one, and why it is written the way it is.
- Money basics, and where yours actually goes
- Loans, EMIs, and what borrowing really costs
- The debt trap, the five stages and the way out
- Insurance essentials, and why claims get refused
- Compounding and inflation, with your own numbers
- Spotting financial scams before they reach you
- Making a money decision and being able to defend it
What it costs, stated up front.
Every fee is inclusive, case materials, both assessments, the certificate, and lunch and coffee on teaching days. No exam fee, no material fee.
BFSI Basics
1 day · classroom · Bengaluru
A single day that covers the whole map, how money moves, what borrowing costs, why insurance exists and what tax actually is. Enough to stop making expensive mistakes.
inclusive · all case materials · lunch and coffee
BFSI Advance
6-7 days · 56 hours · Finwisdemy certificate
The full curriculum, at working depth. For anyone who wants to work in banking, lending or insurance, or to stop being sold to by people who do.
₹24,999 later batches
limited seats per batch · fee rises to ₹24,999 for later batches
Fees are payable in full at enrolment. Seats are confirmed in the order they are paid, and batches are deliberately small.
How the time is actually spent.
The sessions, and the document on the table for each one.
Money, and where it actually goes
KYC and AML · active versus passive income · needs versus wants · the 50/30/20 system
Your own last three months of spending, on paper
Borrowing before it borrows you
Bank versus NBFC · secured versus unsecured · flat versus reducing balance · the tenure trap
Two real offers on the same loan amount, compared line by line
The credit report, read properly
The CIBIL spectrum · the four weightings · utilisation zones · enquiry behaviour · average bank balance
A real anonymised report from a declined application
Credit that builds you, and credit that buries you
Building a file from zero · the minimum-due trap · predatory lending · the five stages of a debt trap
The minimum-due arithmetic, run to its conclusion
Protection, and why claims get refused
Term, health and general cover · human life value · material non-disclosure · sub-limits and waiting periods
A policy schedule and the clause that changed the settlement
Tax, in plain language
Old regime against new · salary, TDS and Form 16 · 80C, ELSS and PPF · capital gains · filing
Your own tax computed both ways, side by side
The lab, the assessment and the first salary
Three stations · the 48-hour first-salary strategy · BFSI careers and the mock interview
A recorded mock interview with written feedback, and your commitment card
Six modules. One complete financial journey.
From your first bank account to your first tax return. Each module ends in the Practical Finance Lab, where the concept becomes a calculation you have run yourself.
Financial foundation
- Banking and KYC basics
- Active versus passive income
- Needs versus wants
- Budgeting and the 50/30/20 rule
- Saving and financial planning
- Smart money habits
Loans, credit cards and CIBIL
- Home, personal and business loans
- Education, car and gold loans
- Credit cards and the billing cycle
- EMI, interest and tenure
- CIBIL score and the credit report
- The minimum-due trap
Insurance and protection
- Life and term insurance
- Health insurance
- Motor and general insurance
- Insurance versus investment
- Human life value
- Claims and fraud awareness
Taxation
- Old versus new tax regime
- Salary, TDS and Form 16
- 80C and tax-saving options
- ELSS and PPF
- Capital gains
- ITR basics and planning
Practical Finance Lab
Every module ends with real calculations, reports, policies and case studies. Because knowing is not the same as doing.
Read a real CIBIL report
Each small group gets its own anonymised report. The stack is deep enough that nobody shares. Read it end to end and find the reason the application failed.
Compare two loan offers
Two real offers, one headline rate each. Apply the three-rule checkpoint: net-worth impact, transparent single-digit APR, EMI under 20% of take-home. Decide which is genuinely cheaper, and why the other looked it.
Cross-examine a policy
Two or three real policy documents. Circle the sub-limits, the co-pay percentage, the room-rent cap and the waiting period. Debrief the ones nobody spotted.
You rotate through all three stations, 15 minutes of work, 5 minutes comparing as a group, 5 minutes of debrief. You take the material home the same day.
The practitioners in this room.
Each session is led by someone who has done this work for a living.
Praveen Balasundar
Financial literacy · Loans and CIBIL · Insurance and protection
Ten years on the front line of lending and insurance before he taught any of it. Praveen designed the Financial Mastery curriculum and teaches the credit and protection modules from files that came off his own desk.
Prashant Jogimutt
Mutual funds · Investment planning · Goal matching
Leads the mutual funds module. Prashant teaches fund selection the way it is done in practice, factsheet open, benchmark alongside, and the question of what the money is actually for asked first.
Vachan Bellad
Career opportunities · BFSI roles · Placement readiness
Maps where the roles actually are, which BFSI functions hire, what they pay at entry, and what each one expects a candidate to already know.
Where this programme leads.
Stated plainly. These are the doors it opens, not promises about walking through them.
Into a BFSI role
Relationship officer, loan processing, KYC and onboarding, insurance advisory, NBFC and fintech sales.
Into control of your own money
A written plan, a credit file you understand, and cover that will actually pay.
Into the next programme
Mutual funds and trading picks up exactly where this one stops.
A credential that stands out on your resume.
Every learner who completes a programme receives a Finwisdemy Certificate of Completion, recognised proof of practical financial competency you can show in interviews, at placements and on LinkedIn.
Resume
A real, industry-relevant credential.
Something specific to show on your professional profile.
BFSI ready
A practical edge in placements and interviews.
About financial literacy and bfsi.
Do I need a background in finance or commerce?
No. Every programme starts from zero and assumes no vocabulary. Students, freshers and working professionals sit in the same room and it works, because we teach from real documents rather than from theory.
What does it cost?
BFSI Basics is ₹3,999 for the day. BFSI Advance is ₹14,999 for the full 6-7 day programme, with limited seats. That fee rises to ₹24,999 for later batches. Founder Mindset is ₹4,999 for the one-day Explorer and ₹14,999 for the three-day Builder. Fees for Mutual Funds and Trading and for Career Ready are confirmed on enquiry. Every fee is inclusive: case materials, both assessments, the certificate, and lunch and coffee on teaching days.
Do you guarantee a job?
No, and we would not trust anyone who does. Every provider promising total job assurance hedges it in their own small print. What we do offer is placement assistance: we hold a working list of BFSI employers who hire at entry level, we match your profile against what they are actually looking for, and we put you forward for interviews you are a genuine fit for. You still have to pass the interview. We prepare you for that with a recorded mock-interview lab and written feedback.
Who teaches?
Practitioners. Finance is led by Praveen Balasundar, ten years in lending and insurance, IRDAI, MDRT, COT and NISM certified. Seven more faculty lead the tracks they have worked in: mutual funds, trading, digital marketing and AI, career coaching, professional image, global education and career opportunities.
Is this online or in a classroom?
Classroom, at Rajajinagar in Bengaluru, with limited seats. The lab work does not survive translation to a webinar, so we do not run one. Closed cohorts run on your campus or at your office.
What is the Practical Finance Lab?
The part of every module where you stop listening and start working. Real anonymised CIBIL reports, real loan offers compared side by side, real policy documents cross-examined for sub-limits. Three stations, fifteen minutes each, then a debrief.
Can you run this for our college or company?
Yes. Every programme runs as a closed cohort on campus or on site, with results reported back at cohort level. Colleges usually want awareness of the scams currently targeting students alongside the core material; employers usually want the debt-trap and investment-strategy sessions weighted heavier. Tell us the group and we will build it around them.
Come and sit in the room.
Tell us which programme interests you and we will call you the same working day. One call. Then it is your decision.
support@finwisdemy.com
No. 150, Ground Floor, 19th Main
Rajajinagar 2nd Block, Bengaluru 560010, Karnataka
Request a call back
One call. No sequence of emails, no sales pressure.