Money Matters

A Practical Guide to Banking, Finance and Accounting

For learners, job seekers, small businesses and families

Pre-order · releases 15 Dec 2026

Paperback prices include all taxes; shipping is a flat ₹60 per order within India. PDF ebooks: 18% GST added at checkout.

Format

Paperback · PDF ebook

Size

170 × 240 mm

Pages

182 (paperback)

Language

English

Edition

First Edition, 2026

Release date

15/12/2026

ISBN

To be announced

Count it. Grow it. Protect it.

Written for learners preparing for jobs in banks and offices, young earners, small business owners, self-help group members and anyone who wants to manage money with confidence, this practical guide explains how the financial system works and how to keep proper accounts, with worked examples, sample documents and real situations from across India.

What you will learn

Understand money, inflation, banks, regulators and financial inclusion
Open and operate accounts, write cheques and move money by NEFT, RTGS, IMPS and UPI
Use digital payments safely and know what to do if fraud strikes
Calculate interest and EMIs, manage credit, budget, save, invest and insure wisely
Keep accounts step by step: journal, ledger, cash book, trial balance and bank reconciliation
Prepare final accounts, raise GST invoices and work with accounting software
Manage small business finance and build a career in banking, finance and accounting

Includes 43 illustrated figures and sample documents, 53 case studies, 13 real-life scenarios, worked examples, practice problems with answers and ready-to-use formats, plus a career roadmap with jobs, pay, qualifications and business ideas.

Money and the financial system
Banks and bank accounts
Everyday banking operations
Digital payments and safe banking
Loans, interest and credit
Budgeting and saving
Investing wisely
Insurance and pensions
Foundations of accounting
Recording transactions
Trial balance, errors and bank reconciliation
Final accounts
GST, income tax and accounting software
Finance for small businesses
Careers, ethics and customer service

Plus reference tables, glossary, self-check answers, ready-to-use templates and real-life scenarios.

Employment direction

Where this book can take you

Every guide ends with a career roadmap: jobs, typical starting pay, how careers grow, recognised qualifications, where to find work, business ideas and a 90-day action plan.

Job	Where you work	Starting pay / month: tier-1 cities*	Tier-2 cities*
Accounts assistant / junior accountant	Small businesses, CA firms, companies	₹16,000–25,000	₹12,000–18,000
Bank sales or customer service executive	Banks, NBFCs, small finance banks	₹16,000–25,000plus incentives	₹13,000–19,000plus incentives
GST and tax assistant	CA firms, tax consultants	₹15,000–24,000	₹12,000–18,000
Business correspondent / banking agent	Banks' rural and urban outlets	Commission-based	Commission-based
Insurance or mutual fund advisor (after licensing)	Insurers, distributors	Commission plus fixed pay	Commission plus fixed pay

Build your base: from practice to the job

New to the field? Employers hire freshers who can already do the basic tasks safely and correctly. This book builds that foundation through practice, not just reading: here is what you will be able to do from your first day at work.

On the jobRecord transactions and prepare a trial balanceHow this book builds it

Worked journal, ledger and trial-balance exercises

On the jobReconcile a bank statementHow this book builds it

Step-by-step bank reconciliation with practice data

On the jobCalculate GST, interest and EMIs correctlyHow this book builds it

Formulas, reference tables and worked examples

On the jobExplain banking products and spot fraudHow this book builds it

Customer-service practice and real-life money scenarios

Understand the whyEach chapter explains how things work before how to do them, so you can handle situations the book never mentions.
Practise hands-onFollow the step-by-step tasks, checklists and templates on real tools, real customers or real data.
Test yourselfUse the skills check: aim for 3 or 4 on every task, and work through the real-life scenarios.
Show your proofKeep your skills record, photos and projects as a portfolio for interviews and your first employer.

How your career grows

Entry: Accounts assistant, bank executive, BC agent
Skilled: Accountant, relationship officer, GST practitioner
Senior: Senior accountant, branch officer, team leader
Lead / own practice: Finance manager, own accounting or tax practice

Get qualified

Accounting software skills (popular Indian accounting packages) and spreadsheets
Banking and finance certification through government-recognised skill programmes (Skill India)
Regulator-required exams for insurance agents and mutual fund distributors

Start on your own

Bookkeeping and GST filing service for small shops (start-up about ₹30,000–80,000)
Banking correspondent outlet / digital services centre (start-up about ₹50,000–1.5 lakh)
Insurance and investment distribution (licensed) (start-up about ₹20,000–50,000)

*Typical starting pay per month for the first 0–2 years, reviewed in October 2026 against Glassdoor and Indeed India salary data. Tier-1: metro cities such as Delhi NCR, Mumbai, Bengaluru, Chennai, Pune and Kolkata. Tier-2: cities such as Jaipur, Lucknow, Chandigarh, Coimbatore, Kochi, Nagpur and Surat. For software, data, AI and security jobs, tier-1 figures are for product companies and large tech firms; many freshers in metros start at about ₹25,000–45,000. Pay varies by employer, skills and experience. Explore all careers →