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Reserve Bank of India

The contents of this diary has been developed by Reserve Bank of India, Rural
Planning and Credit Department, Central Office, Mumbai for distribution during
financial literacy camps organized by Financial Literacy Centres and all the rural
branches of the country at monthly intervals. The Financial Diary is also available
at www.rbi.org.in.

Written By: Sushma Vij & Geetha Nair


Illustrations by: R.N. Rahate

First Edition - January 2013

Published by
Reserve Bank of India
Rural Planning and Credit Department
10th Floor, Central Office Building,
Shaheed Bhagat Singh Marg,
Fort, Mumbai- 400001

Copyright
Reproduction is permitted provided the source is acknowledged.
Personal Information

FULL NAME : --------------------------------------------------------------

----------------------------------------------------------------------------------

ADDRESS : ------------------------------------------------------------------

---------------------------------------------------------------------------------

CITY/DISTRICT: ------------------------------------------------------

PINCODE: ----------------------------------------------------

RES TEL: ----------------------------------------------------

MOBILE: ----------------------------------------------------

Savings Bank Account details

Date of opening : ------------------------------------------

Bank : ------------------------------------------

Branch : ------------------------------------------------------------

BC : -----------------------------------------------------------

Facilities availed : (Please Tick )

Recurring Deposit, Fixed Deposit

Overdraft , KCC, GCC

Remittance, EBT

Micro Insurance

Micro Pension

Others

1
Calendar for Year 2013

JANUARY 2013 JULY 2013


SUN MON TUE WED THU FRI SAT SUN MON TUE WED THU FRI SAT
1 2 3 4 5 1 2 3 4 5 6
6 7 8 9 10 11 12 7 8 9 10 11 12 13
13 14 15 16 17 18 19 14 15 16 17 18 19 20
20 21 22 23 24 25 26 21 22 23 24 25 26 27
27 28 29 30 31 28 29 30 31
FEBRUARY 2013 AUGUST 2013
SUN MON TUE WED THU FRI SAT SUN MON TUE WED THU FRI SAT
1 2 1 2 3
3 4 5 6 7 8 9 4 5 6 7 8 9 10
10 11 12 13 14 15 16 11 12 13 14 15 16 17
17 18 19 20 21 22 23 18 19 20 21 22 23 24
24 25 26 27 28 25 26 27 28 29 30 31
MARCH 2013 SEPTEMBER 2013
SUN MON TUE WED THU FRI SAT SUN MON TUE WED THU FRI SAT
31 1 2 1 2 3 4 5 6 7
3 4 5 6 7 8 9 8 9 10 11 12 13 14
10 11 12 13 14 15 16 15 16 17 18 19 20 21
17 18 19 20 21 22 23 22 23 24 25 26 27 28
24 25 26 27 28 29 30 29 30

APRIL 2013 OCTOBER 2013


SUN MON TUE WED THU FRI SAT SUN MON TUE WED THU FRI SAT
1 2 3 4 5 6 1 2 3 4 5
7 8 9 10 11 12 13 6 7 8 9 10 11 12
14 15 16 17 18 19 20 13 14 15 16 17 18 19
21 22 23 24 25 26 27 20 21 22 23 24 25 26
28 29 30 27 28 29 30 31
MAY 2013 NOVEMBER 2013
SUN MON TUE WED THU FRI SAT SUN MON TUE WED THU FRI SAT
1 2 3 4 1 2
5 6 7 8 9 10 11 3 4 5 6 7 8 9
12 13 14 15 16 17 18 10 11 12 13 14 15 16
19 20 21 22 23 24 25 17 18 19 20 21 22 23
26 27 28 29 30 31 24 25 26 27 28 29 30
JUNE 2013 DECEMBER 2013
SUN MON TUE WED THU FRI SAT SUN MON TUE WED THU FRI SAT
30 1 1 2 3 4 5 6 7
2 3 4 5 6 7 8 8 9 10 11 12 13 14
9 10 11 12 13 14 15 15 16 17 18 19 20 21
16 17 18 19 20 21 22 22 23 24 25 26 27 28
23 24 25 26 27 28 29 29 30 31

2
HOUSEHOLD MEMBERS DETAILS

MONTHLY
SR NAME AGE RELATIONSHIP OCCUPATION
INCOME

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

3
ACHIEVE YOUR GOAL WITH
FINANCIAL PLANNING

4
Set your Goals

SR Needs Money When? No. of days Saving per day


required

1. Bicycle `1500 3 months 30x3= 90 ` 1500/90 = ` 17

2. Sewing `5000 5 months 30x5=150 ` 5000/150 = ` 33


Machine

3. Farm tools `3600 6 months 30x6=180 ` 3600/180 = ` 20

4. Cattle `10000 1 year 365x1=365 ` 10000/365 = ` 27

5. Small Shop `20000 2 years 365x2= 730 ` 20000/730 = ` 27

6. Higher `50000 5 Years 365x5=1825 ` 30000/1825 = ` 27


Education

7. Marriage of `80000 10years 365x10=3650 ` 80000/3650 = ` 22


Daughter

8. Own house `100000 15 Years 365x15=5475 ` 100000/5475 = ` 18

9. Secure Old `300000 25Years 365x25=9125 ` 300000/9125 = ` 33


Age

10.

11.

12.

13.

14.

15.

TOTAL DAILY SAVINGS REQUIRED ` 224

5
IN
OC
M
E
IN
CO
ME

LIQUOR
GAMBLING
ALCOHOL

ATOR
IGER
REFR

NON-ESSENTIAL TOBA
CCO
GUTK
A

LUXURIOUS GOODS TOBACCO

MARRIAGE
ESSENTIAL PILGRIMAGE

NATURAL
SICKNESS CALAMITIES

CLOTHES EDUCATION

FOOD HOUSE

UNDERSTAND YOUR EXPENSES

6
Monthly Summary

Income : Month 1

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i. Self

ii. Spouse

iii.

iv.

1. Total Income

2. Loans taken

3. Total inflow= 1+2

Expenses : Month 1

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3

7
DO NOT SPEND MORE THAN YOUR INCOME

8
Monthly Summary

Income : Month 2

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i. Self

ii. Spouse

iii.

iv.

1. Total Income

2. Loans taken

3. Total inflow= 1+2

Expenses : Month 2

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3

9
INC
BANK BANK
INCO
OM
INC

E
OM

ME
E

LIQUOR
GAMBLING ALCOHOL

OR
IGERAT
REFR

NON-ESSENTIAL TOBA
CCO
GUTK
A

LUXURIOUS GOODS TOBACCO

MARRIAGE
ESSENTIAL PILGRIMAGE

NATURAL
SICKNESS CALAMITIES

CLOTHES EDUCATION

FOOD HOUSE

PLUG NON ESSENTIAL EXPENSES


&
INCREASE YOUR SAVINGS

10
Monthly Summary

Income : Month 3

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i. Self

ii. Spouse

iii.

iv.

1. Total Income

2. Loans taken

3. Total inflow= 1+2

Expenses : Month 3

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3

11
LIQUOR
VICES TOBA
CCO
GUTK
A

ALCOHOL GAMBLING TOBACCO

ATOR
IGER
REFR

WANTS
FESTIVAL PILGRIMAGE LUXURIOUS GOODS

NEEDS

HOUSE EDUCATION FOOD CLOTHES

NEEDS ARE LIMITED - SPEND


WANTS ARE UNLIMITED - REDUCE
VICES ARE RISKY - AVOID
THINK TWICE BEFORE SPENDING

12
Monthly Summary

Income : Month 4

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i. Self

ii. Spouse

iii.

iv.

1. Total Income

2. Loans taken

3. Total inflow= 1+2

Expenses : Month 4

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3

13
THE LESS YOU SPEND, THE MORE YOU CAN SAVE

14
Monthly Summary

Income : Month 5

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i. Self

ii. Spouse

iii.

iv.

1. Total Income

2. Loans taken

3. Total inflow= 1+2

Expenses : Month 5

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3

15
DO NOT LOSE YOUR HARD EARNED MONEY,
ALWAYS SAVE IN A BANK ACCOUNT

16
Monthly Summary

Income : Month 6

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i. Self

ii. Spouse

iii.

iv.

1. Total Income

2. Loans taken

3. Total inflow= 1+2

Expenses : Month 6

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3

17
SPARENCY
TRAN

IN
BANK T

ER
+

ES
PASS BOOK
NK
T

NK

INTEREST
SAVING
EB

T
=
BC BANK

SJJ
JSD
HJJDJ
3434
3
34566T
SJJ

3434
3
JSD
HJJDJ

34566T
JN

JN

BC
TOTAL
MS CIRTE KNAB
MOIB
:EMAN
EGALLIV
SERDDA
XXXXXX

435478
XXXXX:
XXXX:S
GUFJLK

5559987
JFDUFK
DRAC TRA

7759843
ZYX
ITTANCE

BA

OVERD
BANK BANK

BANK
BC
REM

RAF

GCC KCCEFGH
T

D
ABCDEF
GH ABC 567
123456 14

KC
C
GCC

SAVING ACCOUNT IN A BANK IS THE KEY


TO ALL OTHER SERVICES

18
Monthly Summary

Income : Month 7

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i. Self

ii. Spouse

iii.

iv.

1. Total Income

2. Loans taken

3. Total inflow= 1+2

Expenses : Month 7

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3

19
BANK IS NOW AVAILABLE AT YOUR DOOR STEP

20
Monthly Summary

Income : Month 8

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i. Self

ii. Spouse

iii.

iv.

1. Total Income

2. Loans taken

3. Total inflow= 1+2

Expenses : Month 8

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3

21
MANAGE YOUR DEBT OTHERWISE
DEBT WILL DAMAGE YOU

22
Monthly Summary

Income : Month 9

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i. Self

ii. Spouse

iii.

iv.

1. Total Income

2. Loans taken

3. Total inflow= 1+2

Expenses : Month 9

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3

23
BORROW TO UNDERTAKE AN ACTIVITY
WHICH ENHANCES YOUR INCOME

24
Monthly Summary

Income : Month 10

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i. Self

ii. Spouse

iii.

iv.

1. Total Income

2. Loans taken

3. Total inflow= 1+2

Expenses : Month 10

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3

25
BANKS ARE TRANSPARENT
AND CHARGE LESS INTEREST

26
Income : Month 11

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i. Self

ii. Spouse

iii.

iv.

1. Total Income

2. Loans taken

3. Total inflow= 1+2

Expenses : Month 11

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3

27
A BANK MEETS ALL YOUR REQUIREMENTS

28
Income : Month 12

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i. Self

ii. Spouse

iii.

iv.

1. Total Income

2. Loans taken

3. Total inflow= 1+2

Expenses : Month 12

SR Source /Member Week1 Week2 Week3 Week4 Week5 Total

i.
ii.
iii.
iv.
v.
vi.
vii.
4. Total Expenses
5. Loan Repaid
6. Total Outflow = 4+5
SURPLUS = 3-6
SHORTAGE= 6-3

29
Yearly Summary

Month Inflow Outflow Surplus Shortage

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

11.

12.

TOTAL

30
Notes

31
Notes

32
Reserve Bank of India

Disclaimer
Financial education initiatives of the Reserve Bank of India are for providing general
information and guidance to the common person. The concepts of banking explained in the
publication are only for easy understanding of people and do not give legal or technical
explanations. Users of this information may exercise their own care and judgement while
using it. Every effort has been made to avoid errors or omission in this publication.
Nevertheless, any mistake, error or discrepancy noted may be brought to the notice at
address mentioned therein, which shall be rectified in the next edition. It is notified that
the publisher will not be responsible for any damage or loss to anyone, of any kind, in any
manner from use of this material.