As the UGC NET June 2025 results roll out, lakhs of students are holding their breath — dreams of JRF, PhDs, lectureships, and academic careers hang in the balance.
But here’s a powerful truth:
📢 Whether you clear the NET or not… your financial journey starts right now.
At Vizzve Finance, we believe early financial planning for students is as crucial as their syllabus — because wealth, like knowledge, compounds with time.
🧠 Why Students Need Financial Planning (Even Before Jobs)
1. Freedom to Choose, Not Settle
With money saved and invested, you're not forced to accept underpaid internships or jobs that kill your passion.
2. Handle Competitive Exam Expenses
From coaching to applications, competitive exams can burn a hole.
Planning ensures you're never short when opportunity knocks.
3. Start Compounding Early
A ₹500 monthly SIP started at 22 becomes ₹30+ lakhs by retirement.
Start at 32, and you lose half that wealth. Time is your biggest asset.
4. Break the Cycle of Financial Anxiety
You won’t fear the end of your student days if you have a roadmap:
📌 Budget
📌 Emergency fund
📌 Skill-up fund
📌 Side hustle savings
📚 Vizzve’s Student Finance Toolkit
🎯 1. Smart Budget Builder
Helps you allocate:
Study costs
Personal expenses
Online course spends
Pocket money or freelancing income
💳 2. First Credit Card & Credit Score Support
We help you:
Understand credit
Use student cards smartly
Build your credit score early without falling into debt traps
📈 3. Student SIP Starter
Vizzve offers goal-based SIPs:
Exam prep fund
Laptop/mobile fund
Skill/certification fund
Start with just ₹100/month.
🧑🏫 4. Scholarship & Fellowship Tax Advice
Are JRF stipends taxable? What about part-time jobs?
Vizzve helps you file simple tax returns and save more, legally.
💡 Real Talk: UGC NET is One Exam. Financial Life is a Long Game.
Whether you crack NET or not, you’ll face:
Job offers
Relocation
Further studies
Family responsibilities
Aspirations like starting a business, studying abroad, buying a home
🎓 It all starts with early financial literacy.
📢 Final Word from Vizzve
As the UGC NET results approach, ask yourself:
🔹 Am I academically prepared?
✅ Great.
🔹 Am I financially prepared?
💭 That’s where Vizzve comes in.
📱 Start building your student finance plan today, not someday.
Let Vizzve help you budget, invest, save, and succeed — inside and outside the classroom.
❓ FAQs
Q1: Can students really start financial planning with low income?
Absolutely! Even ₹100/month SIPs make a difference over time. Budgeting matters more than income level.
Q2: What’s the best investment for students?
SIPs in low-risk mutual funds, skill-building, and side hustle funds. Vizzve suggests options based on risk profile.
Q3: Can I build a credit score without a job?
Yes. Student credit cards or add-on cards used responsibly help start your credit history.
Q4: Are fellowships or stipends taxable?
Some are. Vizzve provides tax filing support and helps you plan deductions properly.
Q5: I don’t earn yet. Why should I plan?
Because financial literacy today = financial independence tomorrow. It’s about developing the right habits early.
Published on : 18th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.