Activity: Please help the Bank Manager in explaining the banking products and services to the customers. Also help in opening new accounts. Customer: Activity: Please visit the bank branch and inquire about opening a savings account and avail

1. Financial
Literacy
Training
Financial
Literacy
Course

2. Video - Ginni

3. With
savings,
in
the
future
you
can
buy
what
you
can
not
buy
today
Future
Needs
Emergencies
Unexpected
Expenses
like
Illness,
accident,
death
Large
Expenses
To
meet
larger
expenses
like
purchasing
a
house,
marriage,
educaCon
Why
Savings
are
needed?

4. Drawbacks
of
Keeping
Cash
at
Home
Unsafe
Money
can
be
stolen
or
lost
due
to
natural
calamiCes
Loss
of
Growth
Opportunity
Loss
of
Interest
Income
No
Credit
Eligibility
Deposits
in
Bank
creates
Credit
Eligibility

5. Inculcate
habit
of
Saving
Avoid
risk
of
chit
funds,
sahukars
Secure
Money
Earn
Interest
Loans
Why
Bank
is
needed?
Remi@ances
using
Cheque
Demand
DraD
Bank

6. Documents
for
Opening
Accounts
In
case
of
no
official
documents
-­‐
“Small
Accounts”
can
be
opened
by
submiMng
recent
photograph
and
puMng
signature
or
thumb
impression
in
the
presence
of
Bank
Official.
Know
Your
Customer
(KYC):
Photo
Id
Proof,
Address
Proof,
Photo
Fresh
KYC
Documents
to
be
submiTed
on
aTaining
majority,
i.e.
18
years
Officially
Valid
Documents
(Photo
Id/Address
Proof)

7. ATM
Debit
Card
RuPay
Debit
Card
For
cash
withdrawal
at
Automated
Teller
Machine/Point
of
Sale
(PoS)/Micro
ATM
through
PIN/Password,
cashless
payment
for
purchases
etc.
Banking
Products

8. Recurring
Account
Monthly
savings.
Interest
paid
higher
than
savings
bank
account.
Saving
Account
(Basic
Saving
Bank
Account)
Normal
transacCon,
flexibility
for
deposit
and
withdraws,
passbook
and
cheque
book,etc
Fixed
Deposit
Fixed
deposit
for
7
days
to
10
years,
higher
interest.
Banking
Products

9. EducaQon
Loans
Pursuing
Higher/VocaConal
studies
in
India
maximum
Rs.
10
lakhs
and
abroad
Rs
20
lakhs.
OverdraDs
Excess
money
withdrawal
over
and
above
credit
balance
in
accounts
up
to
limit
sancConed
on
the
basis
of
eligibility
Banking
Products
Did
You
Know?
Students
can
also
register
on
GOI
Vidyalaxmi
Portal
for
EducaConal
Loan
applicaCon
and
tracking.
Facts:
The
rate
of
interest
on
Bank
loans
is
very
low
as
compared
to
money
lenders.
So,
if
a
money
lender
menCons
3%
interest
rate,
it
means
36%
per
year
whereas
if
a
Bank
menCons
12%
interest
rate,
it
means
12%
per
year.

10. Banking
Instruments
Cheque
Demand
Drae
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11. One
Rupee
Coin
One
Rupee
Note
Ten
Rupee
Note
Do you Know?
10 Rupees and above Note is signed by the Governor of Reserve
Bank, while One Rupee Note is signed by the Secretary, Ministry
of Finance and the Coin is issued by the GOI Mint
Indian
Currency

12. Account
Opening,
Cash
Withdrawal
/
Deposit,
Fund
Transfer
Bank
Mitra
with
Micro
ATM
Purchasing
and
limited
cash
withdrawal
Point
of
Sale
(POS)
Cash
Withdrawal
through
ATM
/
RuPay
Debit
Card
ATM
All
Banking
Services
Branch
Banking
Service
Delivery
Channels
-­‐
I

13. Video
-­‐
ATM

14. NaQonal
Electronic
Fund
Transfer
(NEFT)
Real
Time
Gross
Se@lement
(RTGS)
Mobile
Banking
Fund
Transfer
,
Bill
payment,
online
shopping
,Ccket
booking
Internet
Banking
Mobile
wallets
Banking
Service
Delivery
Channels
-­‐
II
Fund
Transfer
,
Bill
payment
Inter-­‐Bank
Transfer
of
any
amount
Inter-­‐Bank
Transfer
of
Rs
2
lac
and
above.
Mobile
based
virtual
wallet,
preloaded
certain
amount
in
the
account
for
online
and
offline
spends

15. • Launched
by
Hon’ble
Prime
Minister
on
28th
August
2014.
• The
scheme
focuses
on
coverage
of
households
in
rural
as
well
as
urban
areas.
• RuPay
Debit
Card
provides
in-­‐built
Accidental
Insurance
Cover
of
Rs
1.00
Lac.
• Overdrae
facility
up
to
Rs
5000/-­‐
Pradhan
Mantri
Jan-­‐Dhan
Yojana

16. Discussion on Over-Draft, Micro-ATM
Discussion on Video

17. Assign
Roles
For
Next
Day
AcCviCes
Sample Characters
Bank
Manager
Activity:
Please
Work
With
your
Bank
Manager
to
understand
all
the
roles
and
prepare
a
small
skit
based
on
the
topics
discussed
and
using
some
of
the
characters
below.
Assign
Roles
to
Students
-­‐>
Create
Script
with
them
-­‐>
Perform
the
10-­‐15
min
skit
in
the
Next
Session
Cashier
Front
Desk
Officer
Customer
Sample
Skit:
A
group
of
2-­‐3
Students
can
discuss
the
importance
of
opening
a
bank
account
and
then
proceed
to
branch
to
open
an
account.
One
student
can
come
to
withdraw
scholarship
amount
received
in
his
account
by
filling
the
withdrawal
slip
available
with
the
cashier
and
then
inquiring
about
EducaCon
Loan
for
further
Studies.
Bank
Mitra

18. DAY
2
BEGIN
End
of
Day
1

19. Insurance
An
agreement
in
which
a
person
makes
regular
payments
to
a
company
and
the
company
promises
to
pay
money
up
to
the
insured
amount
if
the
person
is
injured
or
dies,
or
to
pay
money
equal
to
the
value
of
something
(such
as
a
house
or
car)
if
it
is
damaged,
lost,
or
stolen.
Protection against future loss
Life
Insurance
Non-­‐Life
Insurance

20. Pension
&
Public
Provident
Fund(PPF)
PPF
The
Public
Provident
Fund
is
savings-­‐
cum-­‐tax-­‐saving
instrument.
It
mobilize
small
savings
by
offering
an
investment
with
reasonable
returns
combined
with
income
tax
benefits.
Pension
A
plan
for
seMng
aside
money
to
be
spent
aeer
reCrement
Quick
Check:
Ask
your
Parents
and
Grandparents
if
they
have
a
pension
plan.

21. Video
–
PMJDY
Influencer

22. Video:
Suraksha
Beema
Yojna
(Grocery)

23. Video:
Suraksha
Beema
Yojna
(AutoRickshaw)

24. Video:
Atal
Pension
Yojna
(APY)

25. Video:
Jeevan
JyoC

26. Social
Security
Schemes
Accidental
insurance
coverage
of
Rs
2
lacs
at
a
premium
of
Rs
12/-­‐
per
annum/
member
(Age
18
–
70)
Life
insurance
coverage
of
Rs
2
lacs
at
a
premium
of
Rs
330
/-­‐
per
annum/
member
(Age
18-­‐50)
Assured
pension
of
Rs
1000/-­‐
to
Rs
5000/-­‐
(Age
18-­‐40)

27. Group
AcCvity

28. Quiz

29. Prize