Invest today for tomorrow’s big expenses. Start saving for your children college fund today.
College Costs Increase
A college degree costing ₹30 lakhs today will cost ₹1 crore in 2040
Maintain Separate College Fund
Separate college fund builds discipline without mixing with day to day expenses
Compounding Power
SIP today will be ₹8300 vs ₹21000 in 5 years to accumulate ₹50 lakh in 15 years. Overall contribution will be higher by ₹11 lakhs just by delay of 5 years
Use our calculators to plan for your child’s college fund
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Common Myths About Child Education Planning (and the Real Truths)
Planning for your child’s higher education can feel overwhelming. Many parents delay or choose the wrong investment path because of common myths. Here are the top misconceptions about child education planning—and the right steps you can take today.
Reality: Education costs rise sharply every year due to education inflation in India. Waiting 5–7 years means you’ll have to invest much more each month to reach the same college fund target.
Move: Start a small SIP (Systematic Investment Plan) for child education now. Use a SIP step-up strategy (5–10% increase annually) to keep pace with inflation.
Reality: Traditional savings accounts and fixed deposits rarely beat education inflation. Idle cash actually loses value over time.
Smart Move: Create a goal-based investment plan—equity mutual funds for long horizons (7–12+ years) and high-quality debt funds for stability. Shift gradually toward debt funds as college years approach.
Reality: Delaying investments is risky. A “big lump sum later” often never happens. SIPs help you avoid market-timing mistakes, average out volatility, and build discipline.
Smart Move: Begin child education SIPs today. Add lump sums when you get bonuses or tax refunds to boost the corpus.
Reality: Education loans in India often come with 10–13%+ interest rates, collateral requirements, and EMI pressure right after graduation. Relying only on loans can burden your child.
Smart Move: Build a base education corpus through investments. Use loans only as gap-fillers, not the entire plan.
Reality: Scholarships are competitive and never guaranteed. Planning solely on them is like gambling with your child’s future.
Smart Move: Prepare without depending on scholarships. If your child earns one, treat it as a bonus that reduces withdrawals.
Reality: Bundled products like child plans and ULIPs often have higher charges, limited flexibility, and inadequate life cover.
Smart Move: Keep it simple—buy a term insurance plan for yourself to protect your child, and invest separately in low-cost diversified mutual funds for the education goal.