Households had a smartphone
Digital access reaches into everyday family life.
MoSPI · January–March 2025 survey ↗FINANCIAL LITERACY THROUGH INSTITUTIONSDemocratising
Democratising
financial literacy.
Built for India.
One relevant starting point for schools, colleges, workplaces and community partners. Bronze connects a structured foundation with everyday Indian money decisions.
Knowledge. Behaviour. Attitude.
Content that meets learners where they are.
FOUR AUDIENCES. RELEVANT FINANCIAL LITERACY.Built for their
Built for their
stage of life.
School students
Grades 5–12 · ages 10–18Pocket money, saving & digital safety
College students
Young adults · campus to first incomePayslips, borrowing & first money plans
Working professionals
Adults · through working lifeIncome, commitments & protection
Grassroots learners
Across ages · local realities firstLanguage, livelihoods & trusted partners
Access is growing.
Understanding must keep pace.
India pays digitally and banks online. Using a financial tool and understanding its risks are different capabilities.
UPI transactions in one month
August 2025: 20.01 billion transactions, not unique users.
NPCI figures · reported by IBEF, September 2025 ↗Met the literacy threshold
NCFE’s 2019 adult survey measured knowledge, behaviour and attitude. This is a dated baseline.
NCFE · 2019, ages 18–79 ↗Explore financial literacy across states
NCFE · FINANCIAL LITERACY & INCLUSION SURVEY 2019One country.
One country.
Different starting points.
Share of surveyed adults meeting the combined financial literacy threshold. Select a state or reporting group to compare the published, rounded figures.
Kerala + Lakshadweep39%
All India · rounded27%
Met the combined threshold · 2019
2019 survey baseline, not a live ranking. Kerala includes Lakshadweep; Andhra Pradesh includes Telangana under the survey’s reporting groups. Names and reporting groups follow the 2019 report. These figures describe survey respondents, not a test of every resident. Read NCFE’s executive summary ↗
Map outline: © OpenStreetMap contributors · simplified via DataMeet.
BudgetingGive every rupee a purpose
SavingBuild a buffer
Digital paymentsCheck before you pay
BorrowingKnow the full cost
Risk & rewardUnderstand uncertainty
Financial safetyKeep private codes private
WHY FINANCIAL LITERACY. WHY NOW.Access is growing.
Access is growing.
Understanding must grow with it.
India pays digitally, banks online and explores investments through apps. Access to a tool and knowing how to use it wisely are different capabilities. Finovarsity connects financial literacy to everyday decisions through institutions.
Explore India’s financial literacy story ↗Knowledge
Understand the idea in a familiar Indian context.
Behaviour
Practise a decision through a project or useful activity.
Attitude
Reflect on the reason, confidence and habits behind a choice.
A SMALL EXAMPLE OF LEARNING THROUGH DOINGGive a choice
Give a choice
a little thought.
Try allocating ₹100. Notice the trade-offs, then hear why a balanced plan matters. This is one classroom activity within a broader financial literacy programme.
Explore learning through play ↗Try the three school projects ↗TRY THE TEACHING APPROACH
Give ₹100 a purpose.
A financial literacy activity for the classroom.
NeedsWantsSavingsLEFT TO ASSIGN ₹100₹100 total · move ₹10 at a time
Illustrative ₹100. Match all three targets. Real household needs differ.
INSTITUTION-TO-HOME RESOURCESKeep the financial literacy
Keep the financial literacy
conversation going.
FINOVARSITYA Parent’s
SMALL CONVERSATIONS.
LIFELONG MONEY HABITS.
THE PARENT BROCHURE · PDFA Parent’s
Guide
Raising
Money Smart Kids
SMALL CONVERSATIONS.LIFELONG MONEY HABITS.
A RESOURCE TO BRING PARENTS TOGETHER
You are their first money teacher.
Help your child practise everyday money choices, ask better questions and build money-smart habits.
The approved PDF will be added here.Explore the parent component ↗
SUNDAY FAMILY EXPERIENCEOne activity. One conversation.
One activity. One conversation.
One Money Memory.
A take-home extension of financial literacy: play, talk and keep a sentence worth remembering.
Explore a Sunday moment ↗Family resources & our journey ↗