Your First
Lakh
A financial literacy course for students and first earners who want to understand money before money starts making decisions for them. Ten units, every concept grounded in real Indian prices, rates and schemes, built the way TheMarketDigest articles are built.
- 10+ hours of learning
- 10 units + capstone
- 120 quiz questions
- Beginner level
- Free of cost
- Certificate on request
We teach with real Indian numbers and publish the best work.
Every price, rate and scheme is taken from 2025 and 2026 RBI, Budget, MoSPI and SEBI releases. Finish the capstone and the strongest money plans each cycle get published in the Reader’s Voice with your byline.
Ten Units, Then a Money Plan You Can Publish
What Money Actually Is
Why a piece of paper with Gandhi on it can buy lunch, why a UPI ping can too, and why the government cannot simply print more.
Earning, Spending and Your First Budget
Why ₹6 lakh on an offer letter becomes about ₹42,600 a month, and a simple rule for deciding where every rupee goes.
Banks, Accounts and UPI
What a bank actually does with your money, why your deposit is safer than you might think, and the one UPI rule that stops most fraud.
Interest: The Price of Time
Why starting ten years earlier can nearly triple what you end up with, and why the same maths makes credit cards so dangerous.
Inflation: Why ₹100 Shrinks
Why the same snack costs more every year, how India measures it, and how to make sure your savings keep up.
Safe Savings: FDs, PPF, Gold and Government Schemes
The low-risk building blocks every Indian family uses, what each one is good at, and what each one quietly costs you.
The Stock Market Without the Hype
What owning a share really means, why prices swing, and how to read a red day without panicking.
Mutual Funds and the SIP Habit
How ₹500 a month can own a slice of fifty companies, why fees matter more than they look, and why boring wins.
Insurance, Loans and Staying Out of Debt
How EMIs really work, why a minimum-due habit can last fifteen years, and the two kinds of insurance almost everyone needs.
Taxes, Scams and Reading the News
How income tax works for a first earner, how to spot a scam in seconds, and four questions that decode any money headline.
Write Your First Money Plan
Apply three tools from the course to a real person’s money. The best plans get published in the Reader’s Voice.
Who This Course is For
Class 9 and up, or anyone in college who wants to understand money before they earn it.
Your first stipend or salary just arrived. Here is what to do with it, and what not to.
Parents and grandparents who want a plain-language way to talk about money at home.