Free activity Book

For Ages 6-8

30% off

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30,000 Copies Sold

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Buy now for only ₹699

Free activity Book

For Ages 6-8

30% off

COD Available

30,000 Copies Sold

Secure Checkout

Buy now for only ₹699

Free activity Book

For Ages 6-8

30% off

COD Available

30,000 Copies Sold

Secure Checkout

Buy now for only ₹699

Personal Finance

Handbook for

Grades 3&4

Personal Finance

Handbook for

Grades 3&4

Empowering Students in 500+ Schools

Empowering Students in 500+ Schools

Free activity book

Free activity book

15,000 Copies Sold

30,000 Copies Sold

30,000 Copies Sold

Secure Checkout

Buy Now for only 699

999

30% off

30% off

30% off

30% off

Buy now for only ₹699

Free activity book

Gebby – the Bear is back!


After guiding younger learners in PFH Grades 1 & 2, Gebby returns in the Personal Finance Handbook for Grades 3 & 4 – bringing money concepts to life for children aged 7 to 9.

Why? Because understanding money early helps children develop lifelong habits around value, choice and responsibility.

Show more

Gebby – the Bear is back!


After guiding younger learners in PFH Grades 1 & 2, Gebby returns in the Personal Finance Handbook for Grades 3 & 4 – bringing money concepts to life for children aged 7 to 9.

Why? Because understanding money early helps children develop lifelong habits around value, choice and responsibility.

Show more

Gebby – the Bear is back!


After guiding younger learners in PFH Grades 1 & 2, Gebby returns in the Personal Finance Handbook for Grades 3 & 4 – bringing money concepts to life for children aged 7 to 9.

Why? Because understanding money early helps children develop lifelong habits around value, choice and responsibility.

Show more

Gebby – the Bear is back!


After guiding younger learners in PFH Grades 1 & 2, Gebby returns in the Personal Finance Handbook for Grades 3 & 4 – bringing money concepts to life for children aged 7 to 9.

Why? Because understanding money early helps children develop lifelong habits around value, choice and responsibility.

Show more

Key Highlights

Key Highlights

01

90+ pages of interactive learning through colourful illustrations and engaging exercises.

90+ pages of interactive learning through colourful illustrations and engaging exercises.

02

Gebby-guided lessons that make money learning playful.

Gebby-guided lessons that make money learning playful.

03

03

Simplified financial ideas that match the kids’ age and connect to the world around them.

Simplified financial ideas that match the kids’ age and connect to the world around them.

04

04

Includes a complimentary Parent-Child Activity Bundle to deepen learning and family bonding.

Includes a complimentary Parent-Child Activity Bundle to deepen learning and family bonding.

What Your Child Will Gain

Your Child Gains

01

Understand what money really is

Understand what money really is

02

Discover where money comes from

Discover where money comes from

03

Learn to spot needs and wants

Learn to spot needs and wants

04

Find out why saving matters

Find out why saving matters

05

Explore how digital money works

06

See what banks do for us

07

Make a budget that actually helps

08

Set easily attainable goals

09

Watch the savings grow

10

Build confidence around money

What's inside?

What's inside?

What's inside?

What's inside?

01. What is Money?

01. What is Money?

01

What money does: exchange, save, measure

02

How money looks around the world

03

Indian rupees, notes and coins

03

Indian rupees, notes and coins

02. Where Does Money Come From?

02. Where Does Money Come From?

01

How children and adults earn money

How banks operate

02

Money comes from effort or gifts

Types of bank accounts

03

Earning vs. receiving money

04

Valuing effort and the joy of earning

03. Spending Money (Needs vs Wants)

03. Spending Money (Needs vs Wants)

01

Needs vs. wants in daily spending

02

Tracking expenses with charts or tables

03

Prioritising spending when money is limited

04. Savings: Why and How?

04. Savings: Why and How?

01

Setting saving goals with purpose

02

How saving helps reach future goals

03

Tracking savings with simple tools

04

The role of discipline and patience in saving

05. Budgeting

05. Budgeting

01

Budgeting: planning money in and out

02

Creating simple income-expense-saving budgets

03

Making trade-offs with limited money

06. What is a Bank?

06. What is a Bank?

01

How banks keep money safe

02

Piggy banks vs. real banks

03

Deposits and withdrawals explained

07.Digital Money

01

Types of digital payment tools

02

How QR codes, UPI, and wallets work

03

Safety rules: passwords and asking for help

08. From Saving to Growing (Safe Investing)


01

Money grows when saved wisely

02

What FDs and RDs are

03

Storing vs. growing money

04

Benefits of long-term saving

09. Money Mindset (Safe Investing)


01

Reflecting on personal money habits

02

Building confidence with money

03

Celebrating small financial wins

04

Money as choices and values

Curriculum

Curriculum

Teacher, Christ Church School, Mumbai

The NFO books enhanced the student’s confidence and financial knowledge.

The NFO books enhanced the student’s confidence and financial knowledge.

Chetan Anand (Parent), Bengaluru

The book’s content is well-designed and it is nice that children are getting this unique opportunity to learn Finance at a young age.

The book’s content is well-designed and it is nice that children are getting this unique opportunity to learn Finance at a young age.

Yuvnath B (Student), Bengaluru

Each topic is a life lesson and real-world scenarios, learnt many new words and terms in Finance.

Each topic is a life lesson and real-world scenarios, learnt many new words and terms in Finance.

Naysa Puri (Student), Delhi

It is very interesting and I learned many new and practical things. Topics covered - Mutual Funds, Equity, Real Estate.

It is very interesting and I learned many new and practical things. Topics covered - Mutual Funds, Equity, Real Estate.

Testimonials

Testimonials


More about the

National Finance Olmypiad:


The National Finance Olympiad (NFO) is India’s leading platform dedicated to nurturing financial literacy among students through interactive and practical learning. With expert-designed guidebooks and engaging competitions, NFO makes mastering money skills an exciting journey. 


Founded by a passionate team of educators and financial professionals, NFO has worked with 500+ Schools & empowered thousands of students across the country to become financially aware and confident decision-makers.  


Our mission is to inspire the next generation to build a financially secure future by making personal finance education accessible, relevant, and fun.


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