SpotlightLimited seats left: From their first ₹500 to their first budget — an expert led Financial Literacy Program for ages 9–15, by TOI

Sign in/Sign up. Batch 4 Starts 10 Oct.

Key points

• Saturday, 18 July Morning: 11: 00 AM – 1: 00 PM Evening: 5: 00 to 7: 00 PM.
• Live on Zoom 120 min each Morning & Evening batches Take home learning guide Digital "Money Belt" certificate.
• Introductory offer: ₹9, 999/- ₹14, 999/- – limited seats per batch.
• Layered so a Class 4 student and a Class 10 student both leave having learned something real.
• Week Day & Date Morning Slot (IST) Evening Slot (IST).

Sign in/Sign up. Batch 4 Starts 10 Oct. INTRODUCTORY OFFER LIVE NOW ₹14, 999 ₹9, 999. Hurry! Only 20 Seats Remaining.

Your Child can be Brilliant with Funds We'll Teach Them How Learn how capital works-from earning and saving to smart spending, UPI safety, and building wealth early-all through fun, real-world lessons schools rarely teach. A FINANCIAL-LITERACY INITIATIVE BY THE TIMES OF INDIA. 4 Sessions 120 min.

Kids learn algebra and history, but not how to manage their first ₹500. Is the age by when funds habits are formed in children. Of Indian parents believe their children lack adequate financial know-how. MUVIN AND MOMSPRESSO SURVEY 64%.

Of students discuss spending decisions with parents regularly, and perform better financially. 10 funds skills your child will master. Someone worked for every rupee, where funds really comes from. Telling the two apart, and pausing before every want. Save before you spend. The single most powerful funds habit: pay your piggy bank first. The simplest budget in the world, divide before you spend. Becoming a smart shopper who compares before buying.

Turning a dream into a plan, one month of saving at a time. Compounding & time – a student's greatest funds superpower. How funds can grow safely while you sleep. Treating UPI and cards as seriously as real cash.

Never share your PIN or OTP – spotting traps before they spring. Bharvi Avlani is a Chartered Accountant and finance expert.

With years of experience in finance, she saw the need for financial education from an early age. She began an initiative to produce children money-smart and financially confident.

Her mission is to simplify concepts like saving, investing, and wealth creation for young learners.

Funds isn't magic, someone always earns it. Your child learns that truth through real stories and examples, then builds the one habit that changes everything: saving before spending, starting today.

Notably, the 3-jar trick that turns any amount into a plan, split it, compare value like a pro, then set a real savings goal and watch it actually come true.

How banks grow funds while you sleep, how UPI really works in everyday life, and the one rule that stops a scam before it ever gets a chance to start.

In practice, the secret your child's funds has up its sleeve: compounding. Add inflation and smart borrowing into the mix, and they walk away with a real one-page funds plan to grow on.

Where funds actually comes from, and why someone always worked for it Telling needs apart from wants, and pausing before every want The golden habit of saving before spending – paying your own piggy bank first Why starting this habit early changes everything afterwards. WHERE THIS SHOWS UP.

Pocket funds Birthday cash Festival shagun Asking for something at the store.

For context, a first real savings habit Telling needs from wants on the spot Delayed gratification.

Objective: Understand that funds is earned, not given, and build the lifelong habit of saving before spending.

Notably, the 3-jar trick (Save, Spend, Share) that turns any allowance into a smart plan How to prioritize and create sensible spending choices on the go Setting realistic, trackable savings targets for things they actually want.

Weekly allowances Deciding which toy or game to purchase Allocating capital for sharing or charity. Budgeting with the 3-jar system Goal setting & execution Value-based decision making.

Objective: Master basic budgeting and division of resources while working toward rewarding personal goals. MODULE 03: DIGITAL & SAFE.

How funds moves invisibly through digital banks and UPI transactions Why keeping passwords private is the ultimate defense Spotting common online scams and malicious requests instantly.

Using a parent's UPI app Making in-app or online purchases Recognizing suspicious emails or messages. Digital transactional awareness Online safety habits Risk assessment. Objective: Navigate modern digital funds systems safely, confidently, and responsibly. MODULE 04: GROWING UP.

Notably, the magic of compounding – how saved funds multiplies over time Smart borrowing rules vs dangerous debt traps Inflation basics and why resting cash loses value.

Planning long-term savings Resisting peer pressure for expensive trends Planning a simple kid entrepreneur venture. Compounding concept comprehension Financial long-term planning Basic entrepreneurship logic.

Objective: Construct a practical one-page wealth-growing plan for a successful financial future. <!– Replaced non-standard with standard to ensure cross-platform compatibility –> Not another boring online course.

For context, a real expert, real questions, real interaction – not a video your child half-watches.

Everything in rupees, with UPI, fixed deposits, festival shagun and kirana-shop examples. Built for ages 9-15.

Real activities between sessions – counting, saving, spotting scams – so habits actually stick. Backed by The Times of India.

India's most trusted name in news brings the same rigour to your child's first funds lessons.

In practice, a detailed take-home learnings guide and a digital "Money Belt" certificate to be proud of.

Week Day & Date Morning Slot (IST) Evening Slot (IST) Week 1 18th July 2026, Saturday Morning: 10: 00 AM – 12: 00 PM Evening: 5: 00 PM – 7: 00 PM 19th July 2026, Sunday Morning: 10: 00 AM – 12: 00 PM Evening: 5: 00 PM – 7: 00 PM Week 2 25th July 2026, Saturday Morning: 10: 00 AM – 12: 00 PM Evening: 5: 00 PM – 7: 00 PM 26th July 2026, Sunday Morning: 10: 00 AM – 12: 00 PM Evening: 5: 00 PM – 7: 00 PM NOTE: Both morning and evening slots cover the same session – feel free to join at the time that works best for you.

In short, spotlightLimited seats left: From their first ₹500 to their first budget – is the central thread here, and readers can expect follow-up reporting as the picture becomes clearer.