Finance Management

Overview

One of the major concerns for employees is their Financial Planning. They need to manage their expenses within the income and have good financial discipline. They need to plan in advance for the education and manage their children. They have to save for a rainy day (unexpected financial problems). They need to invest wisely and also plan for their retirement, well in advance. They also have to plan their taxes, insurances and other finance related activities.

This Training Programme has been exclusively customized to educate and sensitize the employees on these very important aspects enabling them to manage their finances very effectively and wisely. The Training Programme will be very informative and useful to the participants.

Course Contents:

A. Importance of Financial Planning:

Managing the expenses effectively through proper financial planning
Improving the overall Financial well – being at every stage of life
Risk management tools for the family’s financial safety
Ensuring better standard of living and sustaining good lifestyle
Leading a stress-free and peaceful life from the finance perspective

B. Consequences of not planning the finances:

Serious mental worries affecting the peace of mind
Not achieving the financial goals
Affecting the children’s education and other events
Getting into a vicious cycle of debts and financial difficulties which may affect the cordial family life and the relationship among family members

C. Developing saving habits:

Saving in the right and safe financial instruments
Saving for establishing safety net for a rainy day(unexpected financial problems)
Proper asset allocation and liquidity
Not getting tempted by unregistered chits and fraudulents ; Avoiding borrowing money from lenders unreasonably(at high interest rates)

D. Tax planning:

E. Financial Discipline:

Ensuring monthly savings ; Managing the expenses after keeping aside the savings
Writing the Income and Expenses statement on a weekly basis and review the same regularly
Setting the priorities right to maintain a healthy and meaningful life without undue provocation to buy materialistic items
Having competent financial advisor for the family
Avoiding the greed to earn more money by lending money to get more interest rates

F. Planning children’s education and marriage:

Planning for education of children which has, now-a-days, become very expensive
Choosing the right financial scheme meant for children
Starting early ; Getting the best results by planning when the child is less than year’s age
Nominating the right family member

G. Retirement Planning:

AMP Sanmar
Canara Bank
Cholamandalam Investment and Finance Co. Ltd.
Dena Bank
Export-Import Bank of India (EXIM Bank)
ING-Vysya Bank
Karnataka Chitsters Association (KCA)
LIC
National Insurance Co.Ltd.
State Bank of Mysore
The New India Insurance Co. Ltd.
The Oriental Insurance Co. Ltd.
United India Insurance Co. Ltd.
Way 2 Wealth
Wealth Junction Consultants Pvt. Ltd.
Girivajra Chits (P) Ltd.

Letter received from M/s. Balaji Building Technologies Pvt. Ltd., Bengaluru

The Training Programme conducted by M/s. Unique Consultants, Bengaluru was exceptionally good. Our employees found the programme very very useful for managing their Income-Expense Ratio, Saving the money, Wise investments etc.

The trainer very impactfully explained the need for Financial Planning and the various aspects covered in it. The programme was very effective, thought-provoking, practical, interactive and participative. The faculty has incredible knowledge on the subject and possesses extremely good Presentation Skills, Training Methodology and rapport with the participants.

Many of our employees are asking us to conduct one more Training Programme on this topic. This is a testimony of the impact of the Training Programme.

We strongly and sincerely recommend to the companies to organize this Training. We are sure that the participants will get immensely benefited because this programme, in our opinion, is the ‘Need-of-the-hour’ for employees.

• It was the most important programme in our life.
• The Training Programme is useful to secure our future by making the people plan financially. The programme is very worthy for everyone’s life.
• The Training Programme was very good. It helps us to plan (our finances).
• The Training Programme is extremely useful to think and implement the financial planning for financial stability.
• By this Training Programme, we can come out of our financial problems. If we implement the points taught in the Training Programme, it will be very useful.
• There was clarity in explanations of the faculty. The faculty very nicely explained about the savings and the money market. The programme was very helpful.

- Opinions of the employees of M/s. Balaji Building Technologies Pvt. Ltd., Bengaluru on the Training Programme

• It was the most important and extremely useful programme for our life. It was a much needed and valuable programme.
• It was one of the best programmes I attended so far.
• The programme was indeed an eye opener for me. The topics were presented in a simple manner. Both the training and trainer are excellent.
• Excellent, inspiring and educative programme with too good content.
• A great session. A really insightful programme, easy-to-understand and highly interactive. It made me realize and be more aware of my own finances.
• The programme was an eye opener, very interesting and very relevant.
• Please continue these Training Programmes and educate the people to have better solutions (for their finances).
• I learned how to save money and where I have to invest better in the market.
• Training Programme was quite interactive with respect to awareness about investment planning.
• Training was in-depth, detailed and touched many important points. It was very well detailed. The concept of holistic family financials was very interesting.
• Training Programme was credible. It helps us to plan our future financial growth.
• The programme was a guide to everyone for their financial management. The faculty has very good knowledge on Financial Planning.
• All queries were answered patiently (by the faculty). Right advice on the financial decisions.

- Opinions of Executives of M/s. Weir Minerals (India) Pvt. Ltd., Bengaluru

• Many unknown facts about Financial Planning were brought to light in the programme.
• Very effective programme. Presentation Skills (of Mr. Narendra) are excellent.
• We learnt how to be financially peaceful. The programme gives solutions for our financial worries.
• Very useful and clearly understandable programme. Got a lot of information on Financial Planning. Learnt how/where to invest the money.
• We were investing in a few places, but we had no idea about the returns. We were blindly planning our finances. If we have people like Mr. K. S. Narendra (trainer), it would help us plan our finances.
• We learnt how to plan our finances. It was taught very neatly. We learnt about different areas of investments. A very nice programme.
• To be frank, we knew nothing about all these aspects of Finance Management. We were just working hard, but we did not know how to save, how to plan, nor did we think of the future. We have wasted a lot of money because we were not aware of planning and managing finances. Now, if we start planning, we will have a good life.

- Opinions of the employees of M/s. Volvo Group India Pvt. Ltd.Bengaluru

• Soooper programme
• Not 2 (too good), but 3 (three good) programme
• Beginning to end, it was a ‘Wow’ programme
• A mind-blowing, awesome, super, ultimate and wonderful programme.
• The programme was an eye opener. It was superb, brain-stimulating and excellent.
• Very engaging programme. The programme was lively and interactive. Highly recommended programme.
• Everything in the programme was good. It was very encouraging. The presentation materials were well organized.
• Very informative, interesting and interactive programme
• Very good examples were given. Content was relevant.
• Programme is very important and was very motivating.

- Opinions of employees of M/s. Otis Elevator Company (India) Ltd., Bengaluru

• The Training Programme was simply superb.
• The Presentation Skills were extraordinary and splendid.
• With a number of Case Studies, Examples etc., the trainer very impactfully explained the importance of Personal Finance Management and Financial Discipline.
• The trainer has incredible knowledge and vast experience on the subject.
• We sincerely appreciate the commitment and dedication of the trainer to help people manage their finances through this very powerful Training Programme.

- Letter received from Rotary Bengaluru Orion Gateway, Bengaluru

• The trainer covered many aspects like providing effective service to the subscribers, working with great commitment, ownership, dedication, and discipline.
• Sri Aswatha Ramaiah, Head of Unique Consultants, Bengaluru, conducted a Training Programme for Proprietors / Directors / CEOs / Partners of Chit Fund companies on 21st December 2025 at RG Royal Hotel, organized by Karnataka Chitsters Association.
• I was highly impressed by his Training Programme and, hence, organized the Training Programme for our staff.
• We believe that Chit Fund companies should train their employees on the above aspects.
• That is why we organized the Training Programme from M/s. Unique Consultants.
• The trainer conducted the programme very effectively with a lot of examples drawn from day-to-day working.
• The programme made a significant impact on our staff. We hope that the productivity, performance, and work efficiency of our staff will improve step by step after this Training Programme.
• We recommend that Chit Fund companies make use of the great expertise of M/s. Unique Consultants and organize Training Programmes for their staff.
• That can result in improved service and business outcomes for Chit Fund companies.

- Letter received from Girivajra Chits (P) Ltd., Bengaluru