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Child Education Planning

Ensure your child's aspirations are never limited by finances — plan for their education today.

Their Future

The cost of quality education is growing at 10–12% per year. A medical degree today costs ₹50–80 Lakhs; an MBA from a premium institute costs ₹25–40 Lakhs. Without proper planning, these costs can strain your finances. We help you build a dedicated education fund that grows with your child.

Inflation-Adjusted Planning

We factor in 10% annual education inflation to ensure your fund is adequate when needed.

Goal-Based SIPs

Dedicated SIPs for education — earmarked so you don't touch it for other expenses.

Insurance Cover

Life insurance ensures education continues even in your absence.

Tax Efficiency

ELSS funds for education corpus building — tax saving while wealth creation.

Equity for Long Horizon

For children below 10, equity SIPs deliver superior returns over 8–15 year horizons.

Milestone-Based Withdrawals

We plan partial withdrawals at school, college, and post-grad milestones.

Education Fund Building Instruments

Equity Mutual Fund SIP

Best for children below age 10 — 10+ year horizon maximises equity returns.

12–15% CAGRLong TermSIP Monthly

Child Plans / Sukanya

Sukanya Samriddhi for girl children — guaranteed, tax-free, government-backed.

Tax FreeGirl ChildGovernment Backed

Balanced Funds

For children aged 10–15 — moderate risk with stability as goal approaches.

Balanced RiskMedium TermHybrid

Debt / FD (Near Goal)

Switch to safe options 2–3 years before the education goal to protect corpus.

Capital SafetyShort TermLiquid

How It Works

1

Estimate Education Cost

We project the cost of your child's target education in today's value + inflation.

2

Calculate Required SIP

Based on child's age and target amount, we compute the monthly SIP needed.

3

Start Education SIP

Open a dedicated folio — keeps education funds separate and goal-focused.

4

Review at Milestones

Annual review and portfolio shift as goal approaches.

Secure Your Child's Education Today

Start a dedicated SIP for your child's education — even ₹2,000/month can build ₹30–50 Lakhs over 15 years.

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