Programs
Financial wellness programs for every stage of life.
Six programs, each delivered in three stages — learn it, act on it, and keep it going. Every session is delivered personally by WENA, in the language and examples your people relate to.
How every program works
Learn it. Act on it. Keep it going.
Most financial advice stops at the workshop. WENA stays with your people from learning to action.
1
Learn
Awareness session — practical financial wellness, delivered personally by WENA and tailored to your audience.
Our programs →
2
Act
DIY educational consultation
Build your own plan with WENA frameworks and worksheets.
Build your own plan with WENA frameworks and worksheets.
Execution partner support
A vetted expert does it with you.
Implementation partners →
A vetted expert does it with you.
3
Sustain
WENA support tools — planners, trackers and kits that turn learning into daily habits.
Visit the store →
01 · For Students
Student Financial Wellness
“Send your graduates out job-ready, salary-ready and scam-safe from day one.”
FORFinal-year college students
APPROVED BYPrincipal / Director / Training & Placement Officer
FORMAT60–90 min · on campus or online
BEST TIMEBefore placement season
Final-year college studentsFirst Salary ReadyStudents start their first job with no plan for their salary — and are easy targets for get-rich-quick schemes.
How the program works
1 · LEARN
Awareness session
Delivered personally by WENA. Covers:
- Reading a payslip
- Tax basics
- First investments
- Insurance basics
- Spotting scams
2 · ACT
Educational consultation or partner support
Do it yourself
Build a personal first-salary plan with WENA worksheets.
Build a personal first-salary plan with WENA worksheets.
Do it with an expert
Chartered accountants, IRDAI-licensed insurance advisors, fraud support specialists
About our partners →Chartered accountants, IRDAI-licensed insurance advisors, fraud support specialists
3 · SUSTAIN
WENA support tools
Student Starter Kit · First Salary Planner · Expense Tracker
Visit the store →Why say yes
A stronger placement storyGraduates who are job-ready and salary-ready stand out to students, parents and recruiters.
Protection from scams & risky tradingStudents learn to recognise get-rich-quick schemes, fake job offers and trading traps.
No burden on facultyWENA designs and delivers everything — you only schedule the slot.
Certificates for studentsParticipation certificates add to every student’s portfolio.
“The workshops are simple, practical and easy to understand. I learned about mutual funds, SIPs and how to build wealth early. This knowledge is priceless and will stay with me forever.”
02 · For Employees
Employee Financial Wellness
“Less financial worry means more focus at work — and more reasons to stay with you.”
FORCorporate & IT teams, frontline workforce, teachers & school staff
APPROVED BYCHRO / HR Head · Plant Head · Principal
FORMAT45–90 min · on-site or online · English or Hindi
BEST TIMEJan–Mar tax season, festive bonuses, staff development days
Corporate & IT professionalsSalary to SecurityGood salaries, but heavy EMIs and lifestyle spending leave employees stressed and distracted.
Factory & frontline workforceSmart Earnings, Safe Savings (in Hindi)Loan-app debt and frequent salary-advance requests.
Teachers & school staffBeyond the ClassroomA fixed salary has to stretch across their own children’s education, a home and retirement.
How the program works
1 · LEARN
Awareness session
Delivered personally by WENA. Covers:
- Salary & wage planning
- Controlling EMIs and avoiding loan traps
- Making full use of PF, NPS & insurance
- Tax saving
- Goal & retirement planning
2 · ACT
Educational consultation or partner support
Do it yourself
Build a personal goals-and-benefits plan with WENA frameworks.
Build a personal goals-and-benefits plan with WENA frameworks.
Do it with an expert
Chartered accountants, SEBI-registered advisers, IRDAI-licensed insurance advisors, credit counsellors
About our partners →Chartered accountants, SEBI-registered advisers, IRDAI-licensed insurance advisors, credit counsellors
3 · SUSTAIN
WENA support tools
Employee Wellness Kit · Wellness Planner · Tax Checklist
Visit the store →Why say yes
Less financial distraction at workEmployees worried about EMIs and debt can’t give their best. Planning reduces a hidden drag on productivity.
Stronger retentionEmployees who feel cared for stay longer — one prevented resignation can pay for the whole program.
Fewer salary-advance requestsFrontline workers learn to budget and build a small emergency fund.
More settled, motivated teachersFinancial peace of mind supports focus, morale and staff retention.
“Nitu’s warmth and her words made the session truly welcoming. On behalf of the staff of SD Public School, I thank her for encouraging women to invest and for motivating them through her efforts. It was a privilege to attend such an amazing session, and I hope our teachers will learn from it and use her advice in their lives.”
03 · For Business Owners
Business Owner Financial Wellness
“You built a business. Now build your own financial security alongside it.”
FORMSME owners, founders, self-employed professionals & gig workers
APPROVED BYBusiness owner · Business association / chamber
FORMAT60–90 min · at your association or online
BEST TIMEStart of the financial year, before tax deadlines
MSMEs & foundersSeparate, Secure, GrowBusiness and personal finances get mixed — causing cash crunches and no personal safety net for the owner.
Self-employed & gig workersSteady Finances on Irregular IncomeIrregular income, no PF and no employer benefits make planning hard.
How the program works
1 · LEARN
Awareness session
Delivered personally by WENA. Covers:
- Separating business and personal finances
- A monthly cash-flow rhythm
- GST & tax basics
- Owner’s insurance and retirement
- Building a buffer for lean months
2 · ACT
Educational consultation or partner support
Do it yourself
Build a business-vs-personal cash-flow plan with WENA templates.
Build a business-vs-personal cash-flow plan with WENA templates.
Do it with an expert
Chartered accountants for GST and tax, MSME finance facilitators, insurance advisors
About our partners →Chartered accountants for GST and tax, MSME finance facilitators, insurance advisors
3 · SUSTAIN
WENA support tools
Business Cash-flow Tracker · Tax Checklist · Wellness Planner
Visit the store →Why say yes
Clear cash flowKnow what the business earns and what the owner can safely take home.
Personal security for the ownerInsurance, savings and retirement that don’t depend on one good quarter.
Calmer business decisionsLess financial stress means better pricing, hiring and growth choices.
“WENA helped me separate my business and personal finances. I now track cash flow, plan taxes and invest profits wisely. My business and confidence—both have grown!”
04 · For Retirees
Retiree Financial Wellness
“Retire with a plan, protect a lifetime of savings, and enjoy the years ahead.”
FORPre-retirees (50–60) and retirees & senior citizens
APPROVED BYHR Head (pre-retirement) · RWA committee · Senior citizens’ clubs
FORMAT60–90 min · at your office, RWA or club
BEST TIMEPre-retirement programs, Senior Citizens’ Day (21 Aug), RWA AGMs
Pre-retireesRetire ReadyA large retirement corpus arrives with little planning — and a high risk of mis-selling.
Retirees & seniorsSafe & Secure in RetirementSeniors are the main target of financial fraud, and worry about their savings lasting.
How the program works
1 · LEARN
Awareness session
Delivered personally by WENA. Covers:
- Planning regular retirement income
- Health insurance in later life
- Nominations, wills and documents
- Fraud and scam safety
- Avoiding mis-selling
2 · ACT
Educational consultation or partner support
Do it yourself
Build a retirement income and documents plan with WENA worksheets.
Build a retirement income and documents plan with WENA worksheets.
Do it with an expert
SEBI-registered advisers, advocates for wills, elder-care services
About our partners →SEBI-registered advisers, advocates for wills, elder-care services
3 · SUSTAIN
WENA support tools
Retirement Ready Kit · Retirement Income Planner · Family Financial File · Fraud Safety Checklist
Visit the store →Why say yes
Protects a lifetime of savingsResidents and retiring employees learn to spot fraud and mis-selling.
A confident transitionPre-retirees leave with a clear plan for the years ahead.
Peace of mind for familiesOrganized documents and nominations save families stress later.
05 · For Communities
Community Financial Wellness
“Practical financial skills your communities use from day one — fully delivered by WENA, at any scale.”
FORNGOs & SHGs, women’s groups & homemakers
APPROVED BYNGO Director / CSR Head
FORMAT60 min · in Hindi · at the centre or village
BEST TIMECSR planning (Q4 of the financial year)
NGOs & SHGsSmall Steps to Financial Security (in Hindi)Irregular income, informal borrowing and no access to formal savings or insurance.
Women’s groups & homemakersManaging Household Finances with ConfidenceRunning the household budget, with little support to plan, save and protect the family’s future.
How the program works
1 · LEARN
Awareness session
Delivered personally by WENA. Covers:
- Savings habits
- Government schemes
- Insurance basics
- Avoiding moneylenders and loan traps
- Household budgeting
2 · ACT
Educational consultation or partner support
Do it yourself
Build a simple household savings plan with WENA worksheets.
Build a simple household savings plan with WENA worksheets.
Do it with an expert
Support to open accounts and enrol in schemes, insurance advisors
About our partners →Support to open accounts and enrol in schemes, insurance advisors
3 · SUSTAIN
WENA support tools
Community Savings Starter Kit · Household Budget Diary · Government Schemes Guide
Visit the store →Why say yes
Practical results for participantsRegular saving, using schemes and insurance, and avoiding moneylenders.
Fully delivered by WENAContent, Hindi sessions and reporting handled — low effort for your team.
ScalableRun across multiple groups, villages or centres as a series.
06 · For Individuals & Families
Financial Wellness for Individuals & Families
“Get your finances in order — and everything else gets easier.”
FORAnyone who wants to plan their own or their family’s finances
APPROVED BYYou
FORMATOnline webinar · 1:1 online check-up
BEST TIMEMonthly webinar — join any time
Individuals & familiesFinancial Wellness Check (monthly webinar)You want to get your finances in order, but don’t know where to start.
How the program works
1 · LEARN
Awareness session
Delivered personally by WENA. Covers:
- Budgeting & saving
- Investing basics
- Insurance & protection
- Tax planning
- Fraud safety
2 · ACT
Educational consultation or partner support
Do it yourself
A 1:1 Financial Wellness Check-up to build your own plan.
A 1:1 Financial Wellness Check-up to build your own plan.
Do it with an expert
Tax, investment, insurance and legal experts through WENA Implementation Partners
About our partners →Tax, investment, insurance and legal experts through WENA Implementation Partners
3 · SUSTAIN
WENA support tools
Start Small, Grow Big (the book) · Goal Tracker Set · Insurance Review Checklist
Visit the store →Why say yes
A plan for your own lifePractical steps for your stage of life — not generic advice.
Learn at your paceStart with a webinar, then go deeper with a 1:1 check-up.
Expert help when you need itVetted partners for anything you’d rather not do yourself.
“Before WENA, I used to save blindly. Now I understand budgeting, investing and goal planning. I started my SIP and emergency fund. I feel more confident and in control of my financial future.”
WENA sessions and educational consultations are for education only. WENA does not sell or recommend specific investment, insurance or loan products; personalised investment advice is provided only by SEBI-registered partners.