Banking, UPI and Credit: Accounts, Cards and Your CIBIL Score
A free Banking course from insiderOne University, in English, that takes about 2 hours. A free, hands-on course on bank accounts, safe UPI, credit cards, loans and your credit score. It ends in one assessed project. The course and the certificate are free. Anyone can verify the certificate at its own link, without an account.
Add it to your LinkedIn profile with the insiderOne logo, verifiable by anyone.
What you will be able to do
- Choose the right kind of bank account and list the charges your own account can levy
- Set up your UPI app safely and write the steps to take after a wrong or fraudulent payment
- Work out a credit card bill, its interest-free period and the cost of paying only the minimum
- Download your free credit report from an official bureau site, read it and raise a dispute
- Calculate an EMI by hand and compare a flat rate with a reducing rate
- Write a personal money-safety plan that names your rights, your deadlines and who to contact
Students and first-job earners in India with a bank account and a UPI app. You have never read a card bill or a credit report. You need your own phone and bank app for the labs.
What is in it
- 1Bank accounts: the right type, KYC, a nominee and the charges12 min
- 2UPI done safely: PINs, collect requests, limits and wrong transfers12 min
- 3Debit and credit cards: how a credit card bill really works12 min
- 4How credit scores work in India, and your free reports11 min
- 5Lab: get your free credit report, read it and raise a dispute11 min
- 6Loans and EMIs: the formula, flat and reducing rates, fees and loan apps12 min
- 7Building credit from zero, and what hurts it11 min
- 8Fraud and your rights: liability, the RBI Ombudsman and deadlines12 min
Your money-safety plan and one worked calculation
A personal money-safety plan with no real account or card numbers, and one worked calculation on the given figures with every step shown.
About 130 minutes in total.
Two levels
Finish the units and the project and you get the Certificate of Completion. Pass the live skill challenge on Personal Finance at Practitioner level or above and it becomes a Verified Certificate, which anyone you send it to can check for themselves.
Questions
What does it cost?
Nothing. The course and the certificate are free, and so is verifying it.
Can an employer check it?
Yes. Every certificate has its own page, and the code printed on it resolves there without anyone needing an account.
Do I need any experience?
No. These are written for students and people in their first job, and they assume nothing.
What do I actually walk away with?
The certificate, and the piece of work you made for the project. That goes into your insiderOne profile as a proof item, private until you choose to show it.
Know someone studying this?
The course and the certificate are free, and anyone they send it to can check it.