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Home / Syllabus / Master of Commerce (M.Com.) / Banking and Finance / Semester 2 / Financial Literacy

Master of Commerce (M.Com.) Financial Literacy Syllabus - Mumbai University 2026

Financial Literacy Syllabus.pdf
Mandatory course · Semester 2 · M.Com. Banking and Finance · 4 credits · 100 marks

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Syllabus for Financial Literacy

Mandatory course · Semester 2 · M.Com. Banking and Finance · 4 credits · 100 marks

Module I: (2 CREDITS)

  • Unit 1 Financial Products
  • a Introduction to Saving, Management of spending and financial discipline, Banking
  • products and services,5Cs for Credit: (Character, Capacity, Collateral, Capital and Conditions), Credit Information Organizations and Credit Score
  • b Investment Opportunity and Financial Products, Insurance: Life and Non-Life
  • Insurance including Medical Insurance Scheme. Power of Compounding and Rule
  • of 72 Concept of Risk and Return National Pension System and Retirement
  • Planning Estate Planning, importance of nomination, Will and Power of Attorney
  • Unit 2 Financial Planning and Management
  • a Financial Planning – Meaning, Process and Importance, SMART Financial Goals, Budgeting, Financial Planning Types (Investment Planning, Tax Planning, Retirement Planning and Estate Planning)
  • b Financial Frauds: Investment Frauds, Lottery Frauds, Marketing Frauds, Credit
  • Card Frauds Government Scheme for various savings, investment options, Case
  • Studies on Financial Frauds in India

Module II: (2 CREDITS)

  • Unit 3 Financial Services from Post Office and Insurance Services
  • a Post office Savings Schemes: Savings account - Recurring deposit -Term Deposit
  • - Monthly Income Scheme - Kissan Vikas Patra – NSC – PPF - Senior Citizen
  • Savings Scheme - Sukanya Samriddhi Yojana/Account - Indian Post Payments
  • Bank - Money Transfer - Money Order.
  • b Insurance Services: Life Insurance – Life Insurance Policies - Term Insurance and Endowment Policies - Pension Policies - Health Insurance Plans – ULIP - Property
  • Insurance - General Insurance - Types, Postal Life Insurance Schemes- Housing
  • Loans - Institutions providing Housing Loans, Pradhan Mantri Awas Yojana: Rural
  • and Urban.
  • Unit 4 Personal Tax & Valuation
  • a Introduction to basic Tax Structure in India for personal taxation, Aspects of Personal tax planning, Exemptions and deductions for individuals, e-filing
  • b Time Value of Money, Present Value,Internal Rate of Return, Bonds Returns
  • Returns from Stocks ,Annuity Techniques of Discounting

References

  • Introduction to Financial Planning- Indian Institute of Banking & Finance
  • Financial Planning: A Ready Reckoner, Tata McGraw Hill
  • NISM Certification Material
  • Financial Management: Principles and Applications, by Prasanna Chandra

Reproduced from the University of Mumbai syllabus for M.Com. (Banking & Finance) under NEP 2020, in force from the academic year 2023-24. Wording is as printed in that syllabus. Module numbering is as printed there too.

The complete syllabus

This subject is cut from the University circular for its specialisation. Open a document here if you want the whole thing rather than a single subject.

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