🎓Fund Your Child's Dreams
From engineering to Ivy League — plan without loans.
Education inflation in India runs at 10–12% a year — twice general inflation. A ₹15L engineering degree today will cost ₹40L in 15 years; an overseas MBA can touch ₹1.5–2 Cr. Start early with dedicated equity SIPs so your child never has to choose between dreams and debt.
What it takes to get there
Illustrative only, assuming ~11% p.a. equity returns and inflation-adjusted goals. Actuals vary with market conditions.
Milestone by milestone
How we'll approach it
With 15+ years, 80–90% in diversified equity + international funds is optimal. Compounding does the work.
A ₹1 Cr term plan on the earning parent ensures the SIP goal survives even if you don't. Non-negotiable.
Guaranteed 8%+ tax-free returns up to ₹1.5L/year — use it as the debt allocation for a daughter's education corpus.
STP (Systematic Transfer Plan) equity → debt in the final 3–4 years, so a bad market year doesn't cost your child a seat.
Your starting portfolio
A typical allocation for this goal. We fine-tune it based on your risk profile, timeline and existing investments.
Frequently asked
How much should I save for my child's education?
For India engineering + PG, target ₹50–70L in 18 years. For overseas UG, target ₹1.5–2.5 Cr. We calculate the exact SIP based on your child's current age and dream.
Are child insurance plans (ULIPs) good?
Usually no. A pure term plan + separate equity SIP beats a bundled child ULIP by 2–3× in most 15-year scenarios. Insurance and investing should stay separate.
Sukanya Samriddhi vs Mutual Funds for a daughter?
Both. Sukanya gives tax-free 8%+ guaranteed returns up to ₹1.5L/year — treat it as your debt bucket. Equity mutual funds provide the growth bucket.
Ready to start? Let's build your plan.
A free 30-minute conversation on WhatsApp. Bring your goal, timeline and current savings — leave with a clear SIP roadmap.