Early Times Report
Samba, Feb 21: Department of commerce of the SPPND Government Degree College, Samba under the aegis of IQAC organized an informative and engaging session on “Financial Literacy for Beginners” aimed at enhancing students’ understanding of essential financial concepts and responsible money management under the guidance of HOD Commerce Dr. Pooja.
The formal welcome was extended by Ms. Rajni Bala, Assistant Professor of Commerce, who greeted the Principal, esteemed Resource Person, Senior faculty members, Colleagues and Students. She emphasized the relevance of financial education in today’s rapidly changing economic environment and encouraged students to actively participate in the session.
The Principal of the College, Prof. (Dr.) Nirlape Kour, addressed the gathering and underscored the significance of financial literacy in shaping responsible and economically aware citizens. In her address, she motivated students to cultivate prudent financial habits from an early stage and appreciated the Department of Commerce for organizing such a meaningful and practical program for the benefit of students.
The program commenced with a welcome address by SEBI Smart Prof. Pawan Kumar Gupta (Retd.) the Resource Person for the session. In his insightful lecture, he elaborated on the fundamentals of financial planning and introduced students to key concepts such as stock market investment, savings instruments, bonds, and securities. He explained the difference between small-cap and large-cap stocks, highlighting their risk and return profiles. He also discussed mutual funds, emphasizing the importance of diversification and long-term investment strategies. He guided students on how to begin investing wisely, the significance of disciplined savings, and the need to assess risk tolerance before making financial decisions.
The event witnessed the gracious presence of senior faculty members and staff, whose encouragement and participation added great value to the session. The program was highly interactive, with students enthusiastically engaging in discussions, raising queries, and sharing their views on financial planning and money management.
The program was efficiently coordinated by Dr. Ramandeep Kour, who ensured the smooth conduct of the event and facilitated active interaction throughout the session.
The formal vote of thanks was delivered by Ms. Rashmi Kumari, Assistant Professor in commerce. The session concluded on an inspiring note, leaving students better informed and motivated to adopt sound financial practices in their academic and personal lives. |
