In 30 Seconds
What changed: NCERT’s Class 9 personal finance chapter now teaches income tax, a first.
Who it affects: Class 9 students in CBSE schools using the new NCERT book.
The cost: Nothing. It is a textbook chapter, not a paid course.
Still unknown: whether the chapter carries marks in the 2026-27 Class 9 exam.
The NCERT Class 9 personal finance chapter now teaches income tax for the first time. It uses only the new tax regime. It skips the old regime.
The book reached students in late September 2026. NCERT Chief Dinesh Prasad Saklani confirmed the new lessons. The chapter is called Managing Your Personal Finances.
NCERT writes the school textbooks used across India. Many CBSE schools follow them. CBSE is the country’s central school board.
What does the NCERT Class 9 personal finance chapter teach?
The chapter covers income, saving, spending and tax. For the first time, NCERT shows Class 9 students how to work out income tax.
The chapter gives a table of new-regime tax slabs. It then shows the steps to find the tax you owe.
Why does the chapter cover only the new tax regime?
The chapter uses only the new tax regime. It does not explain the old regime at all.
The new regime began in the Union Budget of February 2020. It became the default option from April 1, 2023.
Under it, you pay lower rates but drop most exemptions.
A student who learns only this misses the old regime. Many working adults still use the old one.
What is the civic message in the income tax lesson?
The book also gives a civic message. It says citizens should pay tax honestly and on time. This tax money funds the country’s public services.
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NCERT released Part 2 about six months into the 2026-27 session. So students got the new chapters mid-year.
What are the five pillars of personal finance in the book?
NCERT lists five pillars of personal finance. The book says good money habits should start young.
| Pillar | What it means |
|---|---|
| Income | The money you earn |
| Budgeting | Planning your spending |
| Saving | Keeping money aside |
| Investing | Growing your money |
| Protection | Guarding against risk |
Where does the NCERT chapter tell students to invest?
The chapter has a part on the power of early investments. It names four places to put money.
These are fixed deposits, bonds, stocks and mutual funds. Stocks are also called equity or shares.
The chapter also covers protection against risk. It gives Ayushman Bharat PM-JAY as one example. PM-JAY is a government health scheme for poorer families.
How does this link to the NCERT Class 9 startup chapter?
The same book carries a second new chapter on startups. That chapter is called From Ideas to Startups.
It uses Lijjat Papad, started in 1959, and hotelier Mohan Singh Oberoi. Together the two chapters teach money and business.
Part 1 of the book came out in June 2026. Part 2 followed in late September.
Class 9 ke exam mein income tax chapter aayega kya?
Class 9 has no board exam, so each school sets its own paper. Whether this chapter carries marks in 2026-27 depends on your school.
NCERT has not said if it is in a sample paper yet. Ask your Social Science teacher which chapters count.
Frequently Asked Questions
Is income tax really in the Class 9 NCERT book now?
Yes. NCERT added income tax to the Class 9 personal finance chapter for the first time in 2026. The chapter, Managing Your Personal Finances, shows a slab table and the steps to work out tax under the new regime.
Which tax regime does the Class 9 chapter teach?
The Class 9 chapter teaches only the new tax regime. It does not cover the old regime. The new regime became the default option from April 1, 2023, and offers lower rates for fewer exemptions.
What are the five pillars of personal finance in the book?
The five pillars in the NCERT Class 9 book are income, budgeting, saving, investing, and protection against risk. The book says good money habits should start young, so the chapter opens with everyday choices.
What does the NCERT Class 9 chapter say about investing?
The NCERT Class 9 chapter lists four early investment options: fixed deposits, bonds, stocks and mutual funds. It calls this the power of early investments and groups stocks under equity or shares. It also covers protection against risk.
Which book has the new Class 9 personal finance chapter?
The chapter is in Understanding Society: India and Beyond, Part 2, an NCERT Class 9 Social Science book. Part 1 came out in June 2026 and Part 2 in late September 2026.
Last verified: November 5, 2026
Disclaimer: Dates, fees, cutoffs and eligibility can change without notice. Check with NCERT before you act.
