Future Milestones
Planning for Your Child's Higher Education
Education inflation in premier engineering, management, medical, and overseas colleges runs at 10–12% per year. A course costing ₹25 Lakhs today could easily exceed ₹60 Lakhs in 10 years. Early systematic investing is the most reliable way to prepare.
Step 1
Start When They Are Young
A 10-15 year horizon allows you to hold high-growth equity funds through volatile market cycles with high compounding leverage.
Step 2
Earmark & Protect With Term Cover
Ensure the primary earner has adequate term insurance so the child's educational aspirations remain fully funded even in an unfortunate event.
Step 3
De-Risk 2–3 Years Prior
As your child reaches class 10–11, systematically shift capital from equity to short-term debt and liquid funds to lock in the corpus safely.
Calculate Required Monthly Investment
₹5 L₹5 Cr
2 Yrs30 Yrs
7% (conservative)16%
Beginning even 3 years earlier can drastically reduce the required monthly savings by leveraging compounding.
Required monthly investment
₹21,520/ month
To reach ₹50,00,000 in 10 years
Your capital — 52%Market growth — 48%
Total out-of-pocket₹25,82,400
Compounding gain₹24,17,600