Financial Literacy creates demand for financial products & services, thereby accelerating the pace of financial inclusion as it enables the common man to understand the needs and benefits of the products and services offered by the banks. All segments of the society need financial literacy in one form or the other. However, considering that a large segment of our society is financially excluded, financial literacy programs, at present, should primarily focus on the individuals who are vulnerable to persistent downward financial pressures due to lack of understanding in the matters relating to personal finance. On my visit to remote villages under outreach programs, I found that the primary challenges in improving the effectiveness of financial literacy programs is the non availability of standardized basic curriculum to be conveyed to the target group. This guide has been prepared to ensure consistency in the messages reaching the target audience from various sources, thus making them more focused and purposeful. I am sure that it will create huge demand for banking services from the common man. The guide is meant to be used by branch managers of rural branches of banks and Lead District Managers for their monthly financial literacy camps. The guide can also be used with suitable customization for educating various segments of urban excluded people. Banks need to gear up their machinery for conduct of financial literacy programs and simultaneously provide their customers affordable and user friendly access.