Program Details

Curriculum

The CPFP program offers a 120-hour hybrid training experience delivered across 10 modules. The curriculum is designed with a learner-first approach that blends classroom learning, interactive assignments, practical case studies, and a capstone project.

Course layout

Learning Format

Hybrid Delivery

Choose between online live classes and physical sessions

Balanced Learning

65% lectures, 25% case studies, 10% assessments

Interactive Sessions

Frequent quizzes, role-plays, and group discussions

Detailed Module Breakdown

Curriculum Breakdown

Each module includes core concepts and practical tools:

01. Financial Services Overview

Overview:

This module covers a 360° view of India’s financial ecosystem—its structure, key players (Banks, NBFCs, Insurers, Cooperatives) and major market segments (Banking, Wealth Management, Stock Advisory and Capital Markets). It examines the roles of RBI, SEBI, IRDAI and PFRDA and the legal frameworks that ensure ethical, compliant operations. You’ll also understand investor-protection mechanisms and anti-money-laundering measures that form the backbone of sound risk management.

Modules:

1. Financial System in India
2. Financial Services Industry
3. Types of Financial Services
4. Financial and Non-Financial Institutions
5. Regulatory Environment in India
6. Laws Governing Financial Services Sector in India
7. Investor Protection
8. Anti-Money Laundering

02. Foundations of Personal Finance

Overview:

This module covers core personal finance tools — financial planning basics, budgeting techniques (Zero-based, Envelope Method, 50/30/20) for smart expense management, and building an emergency fund for life’s surprises. It also guides you through debt-reduction strategies (Snowball and Avalanche Methods) and shows how to use personal financial statements (Cash Flow, Assets, Liabilities, Net Worth) to make informed choices, instill discipline, set clear goals and drive long-term wealth growth.

Modules:

1. Personal Finance
2. Budgeting
3. Emergency Fund
4. Debt Management
5. Personal Financial Statements

03. Financial Mathematics

Overview:

This module covers the Time Value of Money—Present Value, Future Value, Annuities, NPV and IRR—to assess investments, loans and mortgage schedules. It introduces rapid-estimate rules (72, 115, 144) for on-the-fly growth and interest
calculations. You’ll sharpen analytical precision to produce accurate projections, optimize financial strategies and design structured, client-aligned plans.

Modules:

  1. Time Value of Money
  2. Time Value of Money Calculations

04. Investment Planning & Wealth Management

Overview:

This module covers investment objectives, risk profiling and goal-based planning across key asset classes — Equities, Bonds, Fixed-Income Securities, Mutual Funds, Alternative Investments, ETFs and Crypto Assets. You’ll evaluate portfolio performance using Sharpe, Treynor and Jensen ratios, and apply Modern Portfolio Theory, CAPM and Behavioral Finance for strategic asset allocation. Finally, you’ll master rebalancing techniques to maintain optimal risk-return profiles and craft bespoke wealth solutions that guide clients toward their long-term financial goals while effectively managing risk.

Modules:

  1. Investment Planning and Wealth Management concepts
  2. Investment Products
  3. Investment Risk and Performance Analysis
  4. Theories of Investments
  5.  Asset Management Allocation and Rebalancing
  6. Operational Aspects of Investment Products

05. Tax Planning

Overview:

This module covers income-tax essentials — residential status, agricultural income, capital gains and income heads; clubbing of income; set-off and carry-forward of losses; deductions under Sections 80C–80GGC; and exemptions under Section 10. You’ll master tax computation and return filing processes, and learn to deploy tax-efficient investment strategies that optimize liabilities within legal frameworks.

Modules:

  1. Introduction and important Definitions
  2. Residence and Tax Liability
  3. Agricultural Income
  4. Income from Salary
  5. Income from House Property
  6.  Profits and Gains of Business or Profession
  7. Capital Gains
  8. Income from Other Sources
  9. Clubbing of Income
  10. Set off and Carry Forward of Losses
  11. Deductions and Exemptions
  12. Exemptions
  13. Computation of Total Income and Tax
  14. Preparation and Filing of Return

06. Retirement Planning

Overview:

This module covers the full retirement-planning process—from accumulation through distribution. You’ll explore and evaluate key retirement vehicles — National Pension System (NPS), Employee Provident Fund (EPF), Public Provident Fund (PPF), Annuities and Pension plans — aligned with clients’ risk tolerance and income needs. Then you’ll apply distribution strategies — post-retirement budgeting, portfolio rebalancing and structured withdrawal plans — to ensure a secure, sustainable lifestyle that doesn’t outlive their savings.

Modules:

  1. Introduction to Retirement Planning
  2. Retirement Planning Strategies
  3. Retirement Accumulation and Distribution Vehicles

07. Insurance Planning

Overview:

This module covers key insurance planning elements — Life, Health, General and Liability insurance concepts, terminology and regulatory frameworks. You’ll learn to
conduct needs analysis, design income-replacement plans and structure tax-efficient protection strategies. The module also dives into operational essentials — KYC/AML compliance, underwriting, policy documentation and claims
settlement procedures — so you can recommend tailored insurance solutions that mitigate risk and secure financial well-being for individuals, families and businesses.

Modules:

  1. Introduction to Insurance
  2. Types of Insurance
  3. Insurance Planning
  4. Operational Guidelines in Insurance

08. Estate Planning

Overview:

Estate planning ensures the smooth transfer of assets to heirs and beneficiarie. This module covers key estate planning tools such as Wills, Trusts, Power of Attorney, Nominations, and ifts, helping individuals protect and distribute their wealth efficiently. It also discusses legal frameworks, including the Indian Succession Act, Hindu Succession Act, and Muslim Personal Law, which govern inheritance and estate distribution. The role of executors, administrators, and guardians is also explored, providing a clear roadmap for estate management. Professionals specializing in estate planning can offer structured advice on wealth
transfer, minimizing legal disputes, and ensuring tax-efficient inheritance for clients.

Modules:

  1. Introduction to Estate Planning
  2. Components of Estate Planning
  3. Acts relating to Estate Planning

09. Comprehensive Personal Finance Management

Overview:

This module covers end-to-end personal financial planning—integrating income,
expenses, investments, insurance, taxation and estate planning under SEBI
regulations. You’ll learn a structured approach to crafting personalized financial
plans that align with both short-term needs and long-term goals. Mastery of this
holistic process empowers you to deliver complete client solutions and elevates
your career potential in the financial services sector.

Modules:

  1. Personal Finance Professional
  2. Personal Financial Plan

10. Soft Skills for Finance Pros

Overview:

This module covers essential interpersonal and professional abilities —
communication, client psychology and sales techniques tailored for finance. You’ll
study investor behavior and generational wealth preferences, hone networking
and relationship-building skills, and practise sales prep (tele-calling, client
meetings, email etiquette). Explore career-building tools like resume crafting,
interview strategies and growth planning, plus the role of AI in client management,
data analysis, risk assessment and trend forecasting. These competencies foster
trust, elevate service quality and drive sustainable business growth.

Modules:

  1. Client Psychology
  2. Skill Sets
  3. Sales Preparation
  4. Career Planning
  5.  Artificial Intelligence
  6. Financial Frauds
  7. Cyber Security
Structured Learning Hours

Session Plan

The CPFP Session Plan is designed to provide a structured and practical learning experience across 10 modules, totaling 120 hours. Each module focuses on essential aspects of financial planning, ranging from foundational knowledge to specialized areas like investment, taxation, and estate planning.

Exam Weightage
Module
Hours
Financial Services Overview
16 hrs
Foundations of Personal Finance
12 hrs
Financial Mathematics
12 hrs
Investment Planning & Wealth Mgmt
18 hrs
Tax Planning
14 hrs
Retirement Planning
08 hrs
Insurance Planning
10 hrs
Estate Planning
06 hrs
Comprehensive Personal Finance Mgmt
06 hrs
Soft Skills for Finance Professionals
10 hrs
module weightage breakdown

Exam Weightage

The CPFP final exam evaluates candidates through 100 objective questions (200 marks) covering all modules, with no negative marking.

Each component(module) of the curriculum assesses knowledge, strategic thinking, and practical financial application for industry readiness.

Know More
Module
Weightage(%)
Marks
Financial Services Overview
8%
16
Foundations of Personal Finance
12%
24
Financial Mathematics
10%
20
Investment Planning & Wealth Mgmt
15%
30
Tax Planning
15%
30
Retirement Planning
8%
16
Insurance Planning
8%
16
Estate Planning
5%
10
Comprehensive Personal Finance Mgmt
15%
30
Soft Skills for Finance Professionals
4%
8