Child Education Planning
Give your child the freedom to choose—without money becoming the barrier. Plan early, stay consistent, and let compounding do the heavy lifting.
Why Plan for Education?
🚀 Rising Costs
Tuition inflation often outpaces general inflation. A structured plan protects your child’s dreams from cost shocks.
📅 Time Advantage
Starting early reduces monthly savings pressure and increases the role of compounding in reaching the goal.
🧭 Freedom of Choice
When funds are ready, your child can choose the right college, course, and country—without compromise.
Illustrative Cost Projection
Example only — numbers are indicative to show impact of inflation.
| Current Cost (₹) | Years to Goal | Assumed Inflation | Future Cost (₹) | Monthly SIP Needed* (₹) |
|---|---|---|---|---|
| 10,00,000 | 8 | 8% p.a. | 18,99,000 | 15,000 |
| 25,00,000 | 10 | 9% p.a. | 59,23,000 | 30,500 |
| 40,00,000 | 12 | 10% p.a. | 1,24,27,000 | 42,000 |
*Assuming portfolio return of ~12% p.a. (illustrative). Not a recommendation.
Your 4-Step Action Plan
Course, country, year, and living costs.
Apply inflation to estimate the future corpus.
Use equity for growth and debt for stability.
Set up a SIP and review your plan annually.
Quick SIP Calculator
Formula assumes monthly compounding; result is indicative.
Inspiration
“An investment in knowledge pays the best interest.” — Benjamin Franklin
“The future belongs to those who prepare for it today.” — Malcolm X
“Education is the most powerful weapon which you can use to change the world.” — Nelson Mandela
FAQs
Which funds are suitable for a long-term education goal?
A diversified equity portfolio works for long horizons. The exact mix depends on your risk profile and the time remaining until the goal. As the goal nears, it's wise to gradually shift funds to safer debt instruments.
What if I start late?
If you're starting late, you'll need to increase your monthly contribution. Also, consider a "step-up SIP," where you increase your SIP amount annually (e.g., by 10%) in line with your salary growth. This can significantly accelerate your corpus accumulation.
How often should I review?
Review your education fund portfolio at least once a year. This helps you rebalance your asset allocation (equity vs. debt) and ensure you are on track to meet the goal. Adjust your SIP amount if needed based on the fund's performance and the rising cost of education.
Educational purpose only. This page provides illustrations and tools for estimation, not financial advice or recommendations. Investment in securities market are subject to market risks. Please consult a SEBI-registered Investment Adviser for personalized advice tailored to your financial situation.
Child Education Planning
Give your child the freedom to choose—without money becoming the barrier. Plan early, stay consistent, and let compounding do the heavy lifting.
Why Plan for Education?
🚀 Rising Costs
Tuition inflation often outpaces general inflation. A structured plan protects your child’s dreams from cost shocks.
📅 Time Advantage
Starting early reduces monthly savings pressure and increases the role of compounding in reaching the goal.
🧭 Freedom of Choice
When funds are ready, your child can choose the right college, course, and country—without compromise.
Illustrative Cost Projection
Example only — numbers are indicative to show impact of inflation.
| Current Cost (₹) | Years to Goal | Assumed Inflation | Future Cost (₹) | Monthly SIP Needed* (₹) |
|---|---|---|---|---|
| 10,00,000 | 8 | 8% p.a. | 18,99,000 | 15,000 |
| 25,00,000 | 10 | 9% p.a. | 59,23,000 | 30,500 |
| 40,00,000 | 12 | 10% p.a. | 1,24,27,000 | 42,000 |
*Assuming portfolio return of ~12% p.a. (illustrative). Not a recommendation.
Your 4-Step Action Plan
Course, country, year, and living costs.
Apply inflation to estimate the future corpus.
Use equity for growth and debt for stability.
Set up a SIP and review your plan annually.
Quick SIP Calculator
Formula assumes monthly compounding; result is indicative.
Inspiration
“An investment in knowledge pays the best interest.” — Benjamin Franklin
“The future belongs to those who prepare for it today.” — Malcolm X
“Education is the most powerful weapon which you can use to change the world.” — Nelson Mandela
FAQs
Which funds are suitable for a long-term education goal?
A diversified equity portfolio works for long horizons. The exact mix depends on your risk profile and the time remaining until the goal. As the goal nears, it's wise to gradually shift funds to safer debt instruments.
What if I start late?
If you're starting late, you'll need to increase your monthly contribution. Also, consider a "step-up SIP," where you increase your SIP amount annually (e.g., by 10%) in line with your salary growth. This can significantly accelerate your corpus accumulation.
How often should I review?
Review your education fund portfolio at least once a year. This helps you rebalance your asset allocation (equity vs. debt) and ensure you are on track to meet the goal. Adjust your SIP amount if needed based on the fund's performance and the rising cost of education.
Educational purpose only. This page provides illustrations and tools for estimation, not financial advice or recommendations. Investment in securities market are subject to market risks. Please consult a SEBI-registered Investment Adviser for personalized advice tailored to your financial situation.