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    Series XVIIIEducation

    NISM Series XVIII:
    Financial Education.

    The financial literacy certification. For trainers, educators, and resource persons delivering investor awareness programs under SEBI and NISM's financial education initiatives.

    Rohit Singh
    Rohit SinghMr. Chartist
    April 13, 2026
    10 min read
    100
    Total Questions
    MCQs
    100
    Total Marks
    1 mark each
    2 Hours
    Duration
    120 minutes
    50%
    Passing Score
    Lower threshold
    NO
    Negative Marking
    No penalty
    ₹1,500
    Exam Fee
    + GST
    3 Years
    Validity
    CPE renewal
    YES
    Mandatory
    For SEBI trainers

    India has over 10 crore demat accounts but financial literacy remains alarmingly low. To bridge this gap, SEBI and NISM run extensive **investor awareness and financial education** programs across the country.

    **NISM Series XVIII** certifies the resource persons — trainers, facilitators, and educators — who deliver these programs. The syllabus covers personal finance, investment basics, frauds awareness, and the art of communicating complex financial concepts to non-expert audiences.

    This is one of the few NISM exams with **no negative marking** and a **50% passing threshold**, reflecting its focus on financial literacy rather than technical mastery.

    "

    Financial literacy is infrastructure. Series XVIII certifies the people building it — one investor awareness workshop at a time.

    01. Complete Syllabus

    Chapter-by-Chapter Breakdown

    CH 1

    Financial Planning Basics

    HIGH15%
    • Income and expenditure management• Budgeting and savings• Emergency fund creation• Financial goal setting — short, medium, long term• Time value of money — basics
    CH 2

    Banking and Insurance

    HIGH15%
    • Types of bank accounts• Fixed deposits and recurring deposits• Credit management — loans, EMI• Credit score — CIBIL basics• Life insurance — term, endowment, ULIP• Health insurance fundamentals• Insurance claim process
    CH 3

    Investment Products

    HIGH20%
    • Government schemes — PPF, SSY, NPS, APY• Mutual funds — types and SIP basics• Equity shares — what ownership means• Bonds and debentures• Gold — physical, ETFs, sovereign gold bonds• Real estate — basics• Post office schemes
    CH 4

    Securities Markets Overview

    12%
    • Stock exchanges — NSE, BSE• Demat account and trading account• How trading works — order to settlement• Market indices basics• IPO basics
    CH 5

    Taxation for Investors

    10%
    • Tax slabs and regimes• Section 80C deductions• STCG and LTCG — basic rates• TDS on interest and dividends• ITR filing basics
    CH 6

    Investor Protection

    HIGH15%
    • Common investment frauds• Ponzi scheme identification• Chit fund vs mutual fund• SEBI complaint mechanism — SCORES• Investor rights and responsibilities• Do's and don'ts of investing
    CH 7

    Teaching and Facilitation

    13%
    • Effective communication for financial education• Presentation techniques• Handling audience questions• Using case studies and examples• Cultural sensitivity in financial education• Assessment and feedback methods

    02. Study Strategy

    How to Prepare

    1

    Focus on Investment Products & Protection

    Chapters 3 and 6 carry 35% combined weight. Know every government scheme (PPF, NPS, APY) and common fraud patterns.

    2

    No Negative Marking Advantage

    With no penalty for wrong answers, attempt every question. Eliminating 1-2 wrong options significantly improves your odds.

    3

    Think Like an Educator

    Questions test your ability to explain concepts simply, not your technical depth. Frame answers from the audience's perspective.

    03. Career Paths

    Where This Takes You

    SEBI/NISM Resource Person

    Deliver investor awareness programs across India

    Financial Literacy NGOs

    Work with organizations promoting financial inclusion

    Corporate Training

    Employee financial wellness programs at corporates

    FAQ

    Frequently Asked Questions

    What is NISM Series XVIII?

    Financial education certification for trainers and resource persons delivering SEBI/NISM investor awareness programs. Covers personal finance, investment basics, and fraud prevention.

    Is there negative marking in NISM XVIII?

    No. Series XVIII has no negative marking — 100 MCQs, 50% passing score. One of the easiest NISM exams.

    Explore All Certifications

    Series XVIII is one piece of the puzzle. See the complete NISM certification roadmap to plan your career path.

    Browse All NISM Exams
    Rohit Singh — Mr. Chartist

    Written By

    Rohit Singh

    Mr. Chartist

    SEBI Registered Research Analyst (INH000015297), Amazon #1 bestselling author, and the founder of Investology — a premium trading ecosystem trusted by 1.5 Lakh+ traders across India.

    INH000015297