Child education

They grow up fast. Start early for them.Child education planning with a goal-based SIP for each big cost.

Child education planning works best with a separate, goal-based SIP for each big cost, like school fees or a college degree. Start early, and give your money time to grow.

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Who this is for

New parents

Your child’s college is 15 to 18 years away. That long runway lets even a small SIP grow.

Parents of school-going children

College is closer and the costs feel real. A focused SIP started now can still make a big difference.

Grandparents who want to help

Want to set money aside for a grandchild’s studies? We help you invest towards that goal.

How it works with us

Put a number on each goal

We list your child’s education goals and their timing, look at today’s cost, and allow for education costs that tend to rise faster than general prices.

Start a SIP for each goal

We help you choose funds based on the years left, and keep each goal separate so you always know where you stand. The goal planner shows the monthly amount.

Make it safer as the date nears

In the last few years before the goal, we help you move money gradually into safer funds, so a market fall at the wrong time hurts less.

Goal planner

Goal planning calculator for your family’s goals

Amount investedEst. returns

Goal cost then–

Monthly SIP needed–

Or one-time today–

Goal cost todayYears to the goalExpected inflationExpected return (a year)

Illustration only, at the rates you choose. Mutual fund returns are market-linked and not guaranteed.

Goal planner

A child’s education, a wedding, a house or a new shop: every goal costs more tomorrow than it does today. Enter today’s cost and the years you have to see the future cost and what you may need to invest. Results are estimates at rates you assume.

All calculators

What we do for you

Estimate future education costs with clear, stated assumptions
Work out the monthly SIP needed for each goal
Help you choose funds that match the years left for each goal
Set up investments in your name, or in your child’s name with you as guardian
Move money gradually to safer funds as each goal comes close
Review progress with you every year and step up the SIP when you can

Protect the goal, not just the savings

If something happens to the earning parent, the SIP stops but the fees don’t. A term life insurance plan can help make sure the money for your child’s education is still there.

How your money can move as the goal comes closer

Years to the goal	What matters most	Where money usually sits
10 or more years	Growth	Mostly equity funds
3 to 10 years	Growth, with care	A mix of equity and debt funds
Last 2 to 3 years	Protecting the amount	Mostly debt or other low-risk funds
When fees are due	Cash on time	Low-risk funds you can withdraw from quickly

An illustration only. The right mix depends on your goal, your timeline and your comfort with risk. Mutual fund returns are market-linked and not guaranteed.

FAQ

Common questions

How does child education planning with a SIP work?

You pick a goal, like a college degree in 15 years, estimate its future cost and start a monthly SIP towards it. For example, at an assumed 12% a year, ₹5,000 a month for 15 years could grow to about ₹25 lakh. This is an illustration; actual returns will vary.

How much should I invest for my child’s education?

It depends on the course, when it starts and how many years you have. Education costs tend to rise faster than general prices, so plan for a higher future cost, not today’s fee. The goal planner gives you a monthly figure to start with.

When should I start?

As early as you can, ideally while your child is small. More years mean a smaller monthly amount for the same goal, and more time to ride out market ups and downs.

I have two children. Do I need separate plans?

Yes, it helps. Each child’s goals come at different times, so a separate SIP for each goal keeps things clear. You always know which money is for whom and how far along it is.

Should I invest in my name or my child’s name?

Either works. Investments can be in your own name, or in your child’s name with you as guardian until they turn 18. We explain the paperwork for both.

What happens as the goal date comes close?

In the last two to three years, we help you move money step by step from equity to safer funds. That way, a sudden market fall just before admission hurts your savings less.

Keep exploring

Try the calculatorGoal plannerFind the monthly SIP or one-time amount a future goal may need.Mutual funds and SIPInvest a fixed amount every month in funds chosen for your goal and risk.Term life insuranceA large cover for a small premium, so your family is safe even if you aren’t there.How we work with you, step by stepFour simple steps, the same whether you’re starting a small SIP or sorting out your whole family’s money. You always know what’s happening, what it costs and who gets paid.

Your next step

Plan for your child’s education today

Tell us your child’s age and the studies you have in mind. We’ll help you put a number on it and start a SIP for that goal. Book a meeting, or ask us to call you.

Request a callback

Ticket to tomorrowLKI-1987

FromTodayWhere you are now

ToTomorrowWhere you want to be

Passenger: You and your family
Meeting: 30 minutes
Fare: Free
Where: Office or phone

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