DH NEWS SERVICE
REASI, feb 13
Government Degree College Kakryal Katra organised a financial literacy awareness programme today in collaboration with its National Service Scheme unit and the Reserve Bank of India Jammu, reaffirming its commitment to holistic student development beyond classroom learning. The programme was conducted under the guidance of Principal Dr Rajni Bhagat, who has consistently encouraged initiatives that empower students with practical knowledge and life skills.
The primary objective of the programme was to enhance financial awareness among students and equip them with essential knowledge to make informed and responsible financial decisions. In an era where digital transactions and complex financial products are becoming increasingly common, the college recognised the importance of preparing students to navigate the financial landscape confidently and securely.
The event commenced with a welcome address by Dr Sajad Iqbal, Head of the Department of Environmental Science. He highlighted the significance of financial literacy in today’s world and stressed that understanding money management is as crucial as academic excellence. He appreciated the collaboration with RBI Jammu and expressed hope that such programmes would continue to benefit students in the future.
The keynote session was conducted by RBI Jammu Senior Manager Amandeep Kour, who delivered an insightful and engaging presentation on various aspects of financial literacy. She underlined the importance of prudent financial planning and cultivating disciplined saving habits from a young age.
Emphasising the responsible use of banking services, she encouraged students to become informed consumers who understand their rights and responsibilities within the financial system.
The session covered a wide range of topics designed to provide a comprehensive understanding of personal finance. Students were introduced to the basics of saving and budgeting, along with an overview of banking facilities and digital payment systems. The speakers explained fundamental financial concepts such as interest, inflation and loans in simple and relatable terms. They also discussed financial inclusion initiatives undertaken to ensure access to banking and financial services for all sections of society.
A significant portion of the programme was dedicated to digital financial awareness, reflecting the growing reliance on online transactions. Experts provided guidance on conducting safe online transactions and adopting necessary cyber security measures to prevent fraud. They alerted students to common financial scams and shared practical tips on safeguarding personal and banking information. The importance of consumer rights and mechanisms for grievance redressal was also explained, enabling students to feel more confident while dealing with financial institutions.
The interactive nature of the session encouraged active participation from students, who raised questions about everyday financial matters such as opening bank accounts, managing educational loans and using digital payment platforms securely. The speakers responded with practical examples and real-life scenarios, helping students understand how financial literacy contributes to personal stability and long-term economic growth.
The programme concluded with a formal vote of thanks by Prof Younus Salem, who expressed gratitude to the RBI Jammu team for sharing their expertise and valuable insights. He also appreciated the efforts of the NSS unit in organising the event successfully.
Students from all semesters attended the programme with enthusiasm, making it a meaningful and impactful learning experience. The initiative not only broadened their understanding of financial concepts but also empowered them to make responsible financial choices in their personal and professional lives.
