AAFM® Beginner Programme

Certified Personal Finance Specialist^®

Finally understand money — and take your first step into finance.

Most of us are never taught how money actually works. CPFS® fixes that in about a month — budgeting, saving, investing, insurance and tax, all explained simply — so you can take charge of your own money and start a finance journey.

1 MonthBeginner

NoBackground needed

100%Online

₹3,540Affordable start

Enquire & get the brochure Register now

CPFS^®

Certified Personal
Finance Specialist

What is the Certified Personal Finance Specialist (CPFS®)?

Here’s the thing. Nobody teaches you money in school — not how to budget, invest, insure yourself or save tax. So most people learn the hard way, by making expensive mistakes. If you understand it early, you’re already ahead of almost everyone.

That’s where CPFS® comes in. It’s a short, beginner-friendly course that explains personal finance in plain language — how to manage your money, invest sensibly, protect yourself and plan for your goals — with no jargon and no finance background needed.

And it’s a real first step. It’s 100% online and takes about a month, and it’s an AAFM® credential — so it looks good on your CV and sets you up for deeper programmes like CPFS PRO® or the flagship CWM® later.

The earlier you understand money, the bigger the head start — on your own life and on a finance career.— AAFM India, CPFS® Program

Who it’s for

Students

Get a money head start while you’re still studying — any stream, any year.

First-jobbers

Just started earning? Learn to handle your salary, savings and tax properly.

Anyone managing money

Want to stop guessing with your money? This makes it simple.

Future finance professionals

Testing the water before a bigger finance certification.

Why the CPFS® is worth it

Plain English, no jargon

Everything explained simply — built for total beginners.

Take charge of your money

Budget, save, invest and protect yourself with confidence.

A credential to start with

An AAFM® certificate for your CV — at an affordable price.

A real stepping stone

The perfect launchpad to CPFS PRO® or the flagship CWM®.

CPFS® Course Curriculum & Syllabus

Five simple topics take you from ‘money confuses me’ to ‘I’ve got this’ — the essentials everyone should know, explained step by step.

01Money & Personal Finance Basics+

How money works, where it goes, and the simple habits that build wealth.

02Budgeting & Saving+

Plan your spending, build an emergency fund and save with a purpose.

03Investing Basics+

Where to put your money — deposits, mutual funds, equity and more, made simple.

04Insurance & Protection+

Protect yourself and your family from life’s surprises — the right cover, the right way.

05Tax & Goal Planning Basics+

A simple intro to saving tax and planning for the goals that matter to you.

What you’ll be able to do

Make a budgetBuild an emergency fundStart investingChoose insuranceUnderstand tax basicsSet money goals

Where the CPFS® takes you next

CPFS® is a foundation, not a job ticket on its own — and that’s the point. It gives you real money skills now, and a clear path to go further whenever you’re ready.

Manage your own money

Right away life skill

Use what you learn from day one — on your own finances.

Step up to CPFS PRO®

Next level career skill

Go from managing your money to planning other people’s.

Aim for the CWM®

Flagship full career

Build toward AAFM’s flagship wealth-management charter.

CPFS® Course Fees & What’s Included

Complete CPFS® course (5 topics)
Online LMS access
Beginner-friendly e-study material
Online assessment
AAFM® CPFS® certificate

₹3,540

incl. GST

CPFS® Course — Frequently Asked Questions

What is the Certified Personal Finance Specialist (CPFS®) course?+

CPFS® is AAFM’s beginner-friendly personal-finance course. In about a month it teaches you the money basics nobody teaches in school — budgeting, saving, investing, insurance and tax — in plain language, so you can take charge of your own money and take a first step into finance.

Who is the CPFS® for?+

Students, first-jobbers and anyone who wants to understand money better — no finance background is needed. It’s also a great starting point if you’re considering a finance career and want to test the water.

Do I need any finance background?+

None at all. CPFS® is a beginner course designed to explain everything from scratch, without jargon.

How long does it take and is it online?+

It’s 100% online and takes about a month at a relaxed pace, so you can fit it around college or work.

What does the CPFS® curriculum cover?+

The essentials of personal finance: money and personal-finance basics, budgeting and saving, investing basics, insurance and protection, and a simple introduction to tax and goal planning.

What does the CPFS® cost?+

The course is ₹3,540 inclusive of GST — an affordable first step into finance.

Will the CPFS® get me a job?+

CPFS® is a foundation course, not a job qualification on its own. It gives you real money skills and a credential to start with, and it’s the ideal stepping stone to deeper programmes like CPFS PRO® or the flagship CWM® that lead to finance careers.

What can I do after the CPFS®?+

Many students progress to CPFS PRO® for professional financial-planning skills, or to AAFM’s flagship Chartered Wealth Manager (CWM®) to build a full finance career.

Is the CPFS® recognised?+

Yes — it’s an AAFM credential, backed by AAFM’s global recognition across 151+ countries, and it looks good on a CV as a first finance qualification.

Related certifications

Helpful guides

Already working in finance? Explore the professional certifications at aafmindia.co.in.

Compare all certifications · Finance careers · Student stories · All FAQs