Module 04 — Financial wellness & planning
The #1 cause of anxiety in working adults.
An employee worried about a loan EMI, confused about their PF, or losing sleep over a tax notice is not fully present at work — and nobody in the organisation knows. Most companies offer nothing beyond a payslip. Money is built in two tiers, sequenced by what employees actually respond to: literacy first, personalised planning when the signal says they're ready.
Who this is really for
The associate doing EMI maths in the back of every meeting.
The new father googling “term insurance” at midnight, more confused with every tab.
The engineer whose salary doubled — and savings didn't.
The one who got a tax notice three weeks ago and hasn't told a soul.
Financial stress doesn't stay in the bank account — it comes to work. Money makes the maths make sense, so Tuesday's meeting gets their whole mind back.
Tier 1 — Banking, pay & credit literacy
The practical financial knowledge most Indian employees were never taught — not in school, not in college, not in their first job. India-specific and jargon-free.
- How Indian banking actually works — savings accounts, FDs, sweep accounts; IMPS vs NEFT vs RTGS vs UPI
- Understanding your pay: gross vs net, PF and the EPFO portal, ESI, TDS and Form 16, gratuity, CTC vs take-home
- Credit scores — what CIBIL is, what hurts it, how to build it from zero
- Reading bank statements: charges, errors, and your rights
Tier 1 — Savings, insurance & tax
Basics that, once understood, reduce anxiety and create the conditions for better decisions.
- Emergency funds — how much, where, and why it comes before everything else
- The 50-30-20 rule adapted for Indian salaries and family obligations
- Debt management — EMIs, credit card minimums, the real cost of revolving credit
- Insurance literacy: why corporate health cover is almost never enough; term life, critical illness
- Tax basics: old vs new regime, 80C/80D/HRA/LTA, ITR filing, Form 26AS, and when not to panic at a notice
Tier 2 — Personalised financial planning
Where literacy becomes action: a SIP sized to your income, goals, and risk appetite, recommended by a qualified advisor with no incentive to push products. Delivered with a SEBI-registered Investment Advisor (RIA).
- SIP planning, mutual fund literacy in depth, risk profiling, personalised portfolio design
- Retirement: EPF corpus planning, NPS strategy by age, PPF, retirement corpus calculation
- Life-event planning: home buying and the EMI-vs-rent calculus, job-change checklists, ESOP taxation
- Marriage and family planning, children's education corpora, inheritance and estate basics
Compliance note
All investment-related advice in Tier 2 is delivered by or in partnership with a SEBI-registered Investment Advisor. This is non-negotiable under Indian securities law, and it is resolved before Tier 2 launches — a financial planning product built on shaky foundations does more damage than no product at all.
The stagger strategy
Money is deliberately sequenced — not caution for its own sake, but product intelligence. Tier 1 creates the demand for Tier 2.
1 · Launch
Tier 1 literacy ships as in-app content and live workshops through Aha in Real Life
2 · Listen
8–12 weeks of engagement data: which topics, which formats, which segments
3 · Design
Strong planning interest triggers Tier 2 design and the RIA partnership
4 · Pilot
RIA compliance confirmed → soft launch with pilot clients
5 · Scale
Stable engagement and NPS → full Tier 2 launch as a premium add-on
The data layer
What Money contributes to the platform
Financial stress is one of the most reliable predictors of mental health deterioration, physical decline, and eventual attrition. Money adds a dimension no other employee benefit captures.
- Financial stress signals — which topics employees engage with most, a proxy for where anxiety lives
- Literacy gap mapping — the concepts employees consistently get wrong
- Life-stage patterns — early-career clustering around Adulting 101; mid-career around home buying
- Cross-module correlation — financial stress weeks correlating with mood dips in Mind
Your people carry more than their KPIs.
Thirty minutes with a founder — see what compassionate, accountable care looks like for your organisation. A tailored proposal inside five working days.