Q1 · Your First Paycheck
Your offer says ₹6 LPA. So why is your account short every month?
CTC and take-home are not the same number — and the gap surprises most freshers.
→ Decoded in Session 1A 6-session program for graduates
The best time to be good with money is your first payslip.
Money@Life turns fresh graduates into confident earners — budgeting, saving, investing and taxes, taught in plain language by a banker with 25 years on the front line.
Built for India — UPI, PF, CIBIL, 80C, first ITR. In-person or online.
₹4.1 Cr
by age 60
₹5,000
invested every month
₹22 lakh
total you put in
Illustration only. Assumes ~12% annualised return over 37 years; markets don't move in straight lines. The point is the habit, not the number.
Why this program exists
27%
of Indian adults are financially literate, according to the NCFE's national Financial Literacy & Inclusion Survey.
76%
struggle with the basics — inflation, risk and compound interest — in the S&P Global FinLit Survey.
6
focused sessions that hand a graduate the exact skills nobody taught them before their first salary.
How good are you with money?
Six questions most graduates can’t answer.
Try them on your students. The answers are exactly what the program teaches.
The program
Six sessions, in the order money actually happens.
Each session is roughly 90 minutes, plain-language, and India-specific — with worksheets and templates a graduate can use the same week.
-
01
Your first paycheck
Read a payslip properly — CTC vs in-hand, TDS, PF, gratuity. Then build a monthly budget that actually holds.
-
02
The compounding habit
How money grows on its own, why starting at 23 beats starting at 33, and how to set up a first SIP without the jargon.
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03
Banking, credit & your score
Accounts and UPI safety, using a credit card without the trap, and building a healthy CIBIL score from month one.
-
04
Protect before you grow
An emergency fund, the right term and health cover, and how to spot a mis-sold insurance or investment plan.
-
05
Invest with intent
Equity, debt and mutual funds explained simply — matching risk to goals, and tax-saving through 80C and NPS.
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06
Taxes & the long game
Income-tax basics, filing a first ITR with confidence, and a simple personal money system built to last decades.
What they walk away with
Not theory. Things they can do by Friday.
Every session ends with an action, not a quiz. By the end of the program, a graduate can:
- Read their payslip and know their real take-home.
- Run a monthly budget that survives real life.
- Start their first SIP — and understand it.
- Spot a mis-sold insurance or credit trap.
- Build and protect a healthy CIBIL score.
- File their own ITR without panic.
Who it's for
Delivered wherever graduates get their start.
Colleges & universities
A placement-season add-on for final-year students and alumni. Slots into T&P calendars as a workshop series or a value-added certificate.
Companies
A new-joiner onboarding module for fresh hires. A financially confident employee is a calmer, more focused one — and it's a benefit they remember.
Graduates & young pros
Open cohorts for anyone in their first few years of earning who wants to stop guessing and start building — in person or online.
6 × 90 min
Weekly or intensive
In-person / online
Wherever your cohort is
Workbook
Templates they keep
India-first
UPI · PF · 80C · CIBIL · ITR
TS
Facilitator
Your facilitator
Tribhuwan C Sharma
Twenty-five years in banking leadership across RBL Bank, HDFC, ICICI and Kotak Mahindra — running branch networks, rural and SME lending, and P&L at scale. A former regional and zonal head who has since built and financed startups.
He's spent a career watching smart, capable people make avoidable money mistakes simply because no one taught them the basics. Money@Life is his answer: the financial induction he wishes every graduate got on day one.
25+ years in banking
185+ branches led
Founder & startup CFO
Bring Money@Life to your graduates.
Tell us about your cohort and we'll put together a format and a date. Campuses, companies and open batches all welcome.
New Delhi, India