Live cohort
Own Your Money
Eight weeks. Eight live classes. You will finish knowing how money and markets work, and you will have made your own first investment with your own hands.
Next cohort starts Saturday 12 September 2026. Twenty seats. Classes are on Zoom and recorded.
Who it is for
This is for you if
- You earn your own money, or you run the household on a monthly amount.
- Your savings sit in a bank account or in a fixed deposit doing very little.
- Someone else decides where your money goes and you go along with it.
- You want to understand, not to be handled.
- You can give this ninety minutes a week for eight weeks.
Who it is not for
Please skip this if
- You want stock tips or a fund name. You will not get one here.
- You want someone to manage your money for you.
- You want to learn day trading or options.
- You want a quick way to double money. That does not exist.
- You are looking for a promised return. Nobody can give you that honestly.
The syllabus
What happens in each of the eight weeks
Each class is ninety minutes. Roughly sixty minutes of teaching, thirty minutes of questions. Every week ends with one small thing to do before the next class.
Where you actually stand
We build your money map. Every account, every policy, every loan, every asset on one page. We work out what your money currently earns after tax and after inflation. Most people are surprised, and not in a good way.
We also set your reason. Not a vague wish for wealth, but the specific thing you want the freedom to do or refuse.
The floor before the building: cash, insurance, debt
How many months of expenses to keep aside and where to park them. Why term insurance costs so little and does so much. Why a health cover of your own matters even if your employer gives one. How to read an endowment or ULIP policy and see what it really returns.
We also sort your debts by cost and decide what gets cleared first.
Every instrument, explained once and properly
Savings accounts, fixed deposits, PPF, EPF, NPS, government bonds, corporate bonds, gold, mutual funds, index funds, ETFs, individual shares, real estate. For each one: what it is, what it can earn, what can go wrong, how easily you can get your money out, what it costs you every year, and how it is taxed.
By the end you can put any product a bank sells you into the right box in about thirty seconds.
How markets actually behave
We look at long stretches of Indian market history. How often big falls happen, how deep they go, how long they take to recover. Why the average is made of very unaverage years. What compounding really does over ten, twenty and thirty years, with the maths on screen so you can see it.
Then we write your crash rule, in advance, while you are calm.
Doing it: accounts, platforms, the first order
What a demat account is and why you need one. KYC and the papers involved. The platforms available in India and how they differ. Direct plans against regular plans and what that difference costs you over twenty years. Expense ratios, brokerage, and the fees nobody mentions.
Then we open the screen and go through it click by click, together.
Tax you can explain to anyone
How gains are taxed depending on what you hold and how long you hold it. Why the same money in a deposit and in an equity fund can end up in very different places after tax. What dividends do to your tax. What your capital gains statement looks like and how to read it.
Tax rules in India change nearly every year, so you also learn exactly where to check the current rule instead of trusting a forwarded message.
The expensive mistakes
Buying whatever did best last year. Acting on a tip from a group. Stopping your investments when prices fall. Paying a percentage every year without noticing. Owning fifteen funds that all hold the same twenty companies. Confusing insurance with investing. Keeping money idle for years while you wait for the right moment.
We look at what each of these costs in rupees, not in theory.
Your written plan and your freedom number
You write a one page plan: what goes in every month, where it goes, what you will not do, and when you will review it. You also work out your own freedom number, the amount that would cover your life without a salary, and how far away it is at your current pace.
We close by talking about what changes when a woman controls her own money.
How it runs
The shape of the eight weeks
Saturday class
11:00 to 12:30 IST on Zoom. Live, with your camera on if you like. Recording sent the same evening.
Wednesday clinic
45 minutes, optional. Bring one question. No question is too basic, that is the whole point.
Small group
Twenty women. Small enough that Namita knows your name and your situation.
Private group chat
A WhatsApp group that stays open for three months after the course ends.
Cost
Two ways to join
Founding cohort
The course
Founding price for the first cohort only. It goes up from cohort two.
- Eight live classes
- Eight Wednesday question clinics
- All recordings for one year
- Every worksheet and template
- Group chat for three months
Guided
The course plus private time
For women who want someone sitting with them while they actually do it.
- Everything in the course
- Two private sessions of 45 minutes
- A written review of your money map
- Priority answers between classes
- Six seats only
The promise, and its limit. If you attend the first three classes, do the homework, and still feel the course is not for you, write in before week four and you get your full money back. What nobody can promise you, here or anywhere, is a return on your investments.
Apply
Tell Namita a little about you
Seats are given after a short application, so the group stays right for everyone in it. It takes two minutes. You will hear back within two days.
Questions
Things people ask before joining
I know nothing at all. Will I be lost?
No. The course assumes you know nothing and starts there. Most women in the room are in exactly your position, and the ones who ask the most basic questions usually help everyone else the most.
Will you tell me which fund or share to buy?
No, and this is deliberate. Namita is not a SEBI registered investment adviser, so she does not give personal advice or recommend specific securities. She teaches you how the choices work so you can make your own. That is a better outcome anyway, because you will be making these decisions for the next forty years.
Do I need a lot of money to start?
No. You can start an investment in India with a few hundred rupees. The course is about knowing what you are doing, not about the size of your first cheque.
I do not earn. I get a monthly amount from my husband. Does this apply to me?
Yes, and some of the women who get the most from it are in exactly this position. Money that comes into your hands is money you can direct. The course covers how to build something of your own from a household allowance, and how to talk about it at home.
What if I miss a class?
Every class is recorded and sent out the same day. You keep the recordings for a year. The Wednesday clinic is a good place to catch up on anything you missed.
Is it in English or Hindi?
Classes are taught in simple English with Hindi used freely whenever it makes something clearer. Ask your questions in whichever one you think in.
Is my husband or father allowed to attend?
Seats are for women only. Many students share the recordings at home afterwards, and that conversation is often the best part.