The Assam State School Education Board (ASSEB) has released its Class 12 Finance Syllabus for the 2025-2026 academic session, designed to impart practical financial knowledge alongside foundational theory.
Syllabus Structure & Marks Distribution
- Total Marks: 100
- Theory: 80 marks (Three hours)
- Project Work: 20 marks
| Unit | Topic | Marks | Periods |
|---|---|---|---|
| 1 | Financial Institutions | 20 | 30 |
| 2 | Money Market & FX Market | 20 | 30 |
| 3 | Capital Market | 20 | 30 |
| 4 | Financial Services | 20 | 30 |
Unit–Wise Breakdown
Unit 1: Financial Institutions
- RBI Organisation & Management: Objectives, administrative structure, and departments.
- RBI Functions: Traditional, supervisory, promotional; including prohibited functions.
- Note Issue Systems: Proportionate and Minimum Reserve Systems.
- Credit Control Techniques: Quantitative & qualitative approaches, objectives, and role in development.
- Development Finance Institutions: Functions and contribution of IFCI, SFCs, SIDCs, NABARD to India's economy.
Unit 2: Money Market & Foreign Exchange Market
- Money Market Features: Sub-markets, institutions, instruments, role, and development.
- Market Distinctions: Comparing money market with capital market (differences & similarities).
- Indian Money Market: Structure, key instruments, lenders, borrowers, and defects.
- Foreign Exchange Market: Meaning, features, scope, participants, and market types.
Unit 3: Capital Market
- Capital Market Fundamentals: Meaning, features, functions.
- Primary Market (NIM): Functions, methods of issue, intermediaries, pros/cons.
- Stock Exchange (Secondary Market): Listing, broker qualifications, types, trading methods (including online), settlement steps, stock indices.
- Key Terms: Trading procedures, importance of indices.
Unit 4: Financial Services
- Modern Banking Services: Credit/debit cards, e-banking, mobile banking, ATM facilities.
- Leasing & Hire-Purchase: Types, features, differences, pros/cons for lessor/lessee.
- Mutual Funds: Classifications, benefits, open/closed-ended differences, Indian mutual funds.
- Venture Capital & Factoring: Nature, functions, types, benefits.
- Fee-Based Services: Stock broking, credit rating, merchant banking—roles, differences, and advantages.
Project Work
Total Marks: 20
- Preparation: 12 marks
- Viva Voce: 8 marks
Suggested Project Topics:
- Analyze contributions of IFCI, SFCs, SIDCs, NABARD.
- Report on how FX Market aids exporters/importers.
- Invest and track performance in stock market—document & analyze.
- Mutual fund investment process & schemes.
- Modern banking service facility analysis via institutional visits.
- Modes of online payments—bank survey and report.
Project Structure:
Title, student info, supervisors, certificate, contents, main text, references/bibliography, relevant photographs.
Note: Topics may also be chosen as relevant by teachers, ensuring fair distribution among students.
Why This Syllabus Matters
- Prepares students for careers and further study in finance, banking, and investment.
- Encourages analytical thinking, practical exposure, and project-based learning.
- Covers contemporary developments such as online banking and digital payments.
For students planning to take Class 12 Finance under ASSEB in 2025-2026, this syllabus is a blueprint to develop both knowledge and practical skills for the modern financial world.