Priyanka Personal Finance
स्मार्ट मनी · सरल शब्द · भारत
स्मार्ट मनी · सरल शब्द · भारत
शिक्षा महंगाई सालाना 10–12% है, इसलिए कल की फीस आज से बहुत ज़्यादा होगी। एक लक्ष्य चुनें, बच्चे की उम्र डालें, और देखें भविष्य लागत और अभी शुरू करने के लिए मासिक SIP। हर साल की देरी महँगी पड़ती है।
| शुरुआत | मासिक SIP | अभी से अतिरिक्त |
|---|
केवल अनुमान · वित्तीय सलाह नहीं · शिक्षा महंगाई आमतौर पर सामान्य महंगाई से ज़्यादा होती है · रिटर्न की गारंटी नहीं · वास्तविक लागत संस्थान व देश अनुसार बदलती है
Education is one of the biggest expenses an Indian family plans for — and it inflates faster than almost anything else, roughly 10–12% a year. A ₹10 lakh engineering degree today can cost ₹40 lakh or more in 15 years, and studying abroad can run into crores. The good news: with a 15-year runway, a disciplined monthly SIP in equity mutual funds can comfortably build the corpus — if you start early.
For a girl child, also look at Sukanya Samriddhi (SSY) — a safe, tax-free option.
Education inflation in India runs about 10-12% a year — higher than general inflation. So a course that costs ₹10 lakh today can cost ₹40+ lakh in 15 years. This planner applies education inflation to the current cost to show the future amount you'll actually need.
Enter your child's age and the target course. The planner computes the inflation-adjusted future cost and, using an expected investment return, the monthly SIP you need from today. Starting early makes the SIP dramatically smaller.
Compounding needs time. If you start when your child is 2-3, a modest SIP can build the corpus. Delay by even 3-5 years and the monthly amount needed can rise sharply because there are fewer years to compound and fewer instalments.
For a horizon of 10+ years, equity mutual fund SIPs have historically beaten education inflation. As the goal nears (last 2-3 years), gradually shift to safer debt or FDs to protect the corpus. For a girl child, Sukanya Samriddhi is also a strong tax-free option.