Financial literacy - a combination of awareness, knowledge, skill, attitude and behavior -  necessary to make sound financial decisions and ultimately achieve individual financial well-being' is increasingly being recognized as an essential life skill.


As globalization and digital technologies make financial products easily accessible, financial literacy has become one of the major challenges for countries around the world. Globally, the youth are becoming financial consumers early in their lives than ever before and making financial decisions (credit cards, education loans) that can have lasting consequences if not well managed. To connect with the millennials and other group of customers it has become mandatory for executives of financial institutions to have a clear understanding and knowledge of the financial world and its various dimensions.


The investing public have different investment opportunities today. However, all investments carry certain risks. The investors are required to understand and, simultaneously, compare the risks and the expected yields after adjustment of tax on various instruments while taking investment decisions. They may not be familiar with the market mechanism and the practices as well as their rights and obligations. To make the executives aware of various investment opportunities available, the risk and return attached to them and the dynamics of various financial markets, the training of executives is essential from individual and organizational perspectives.


Learning Objectives:


  To have a complete overview of the Indian Financial Markets

  To understand the concepts, terms and distinguishing features of various financial instruments

  To understand various financial statements, ratios and their relevance.

  To have a clear understanding of the financial products

  To learn the framework of personal financial planning.

  To learn the basics of equity analysis of various aspects of the company and industry like financial analysis, business analysis, understanding of corporate governance issues, valuation and reporting so as to enable decision making.

  To learn about the intricacies of primary and secondary equity market operations.

  To understand broad investment objectives and policies of the organization.

  To learn about the Risk Management and ALM strategies related to the organization.

  To learn about various regulations related to insurance investments.

  To understand basics of listing of companies and the concept of embedded value etc.

  Asset Liability Management




  LIC in the listed environment, embedded value and opportunities in the financial markets

  Current Economic environment for the Marketing Pitch

  Financial statement analysis/Critical Ratios for Marketing Decisions

  Insurance Accounting/IND-AS/GAAP/IFRS

  Financial arithmetic for Product Analysis

  Understanding financial markets institutions, intermediaries, products

  Insurance investments & Returns from Marketing Perspective

  ULIP and NAV calculations/Mutual Funds

  Competitive Products Analysis (Insurance & Other Sectors)

  Personal Financial Planning

  Accounting & Investment regulations, Sandbox Regulations

  Overview of Investments

  Short term & long-term investment products

  IRDAI Investment Regulations

  Relation between risk and return

  Discounted Cash Flow & Time value of Money

  Securities Market Overview

  Securities market & financial system

  Study of Financial Statements including common ratios e.g. Operating & Net Margins, EPS, Dividend Yield, ROCE, ROE, Inventory & Debtors Turnover, Debt Equity Ratio (Leverage)

  Insurance Accounting, Capital Adequacy, Solvency

  Listing of companies and embedded value etc.

  Tax implications, HUF and MWP Act


Participants Profile:


Marketing Officials (BM/SBM) & Administrative officials in the cadre of Administrative Officers and Assistant Divisional Managers working in Branch Offices, Divisional Offices, Zonal Office & Central Office to be nominated by HRD Department of respective Zonal Offices & Central Office


Duration:   5 days




        I.            24.04.2023- 28.04.2023 (For Marketing Officials)

     II.            08.05.2023- 12.05.2023 (For Marketing Officials)

  III.            05.06.2023- 09.06.2023 (For Marketing Officials)

  IV.            09.10.2023-13.10.2023 (For Marketing Officials)

    V.            18.12.2023-22.12.2023 (For Administrative Officials)

  VI.            01.01.2024-05.01.2024 (For Administrative Officials)