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The book talks about the importance of financial planning and covers various financial products relating to banking,post office, insurance,mutual fund,capital market and other miscellaneous products with pros and cons.It also covers personal taxation with upto date information including the proposed changes in recent budget.It is well said that the money without planning is money soon gone. Financial Literacy is the first step towards Financial Planning.With inflation and taxes being our fait accompli,the value of our income is being eroded very fast.The only answer to this predicament is proper financial planning through financial literacy.
A retired Asst. General Manager from State Bank of India (SBI), having worked in India and abroad (on deputation) in different capacities for 35 years. Handled various assignments in banking related areas successfully. He has a degree in science with honours, and certification from Indian Institute of Banking and Finance (CAIIB). He has also to his credit diploma in financial management (DFM) from Mumbai University. After retirement from SBI he completed post graduate diploma in financial advising (PGDFA) from IIBF with distinction and also achieved certification (CFPCM) from Financial Planning Standard Board of India. Post retirement he was associated with IFBI as a faculty in banking, finance, mutual fund, insurance etc. Presently he is working as freelance financial advisor and has been conducting ‘financial literacy awareness’* programmes for common investors. He is also associated with reputed institutions as a consultant in HR and finance related areas.