How to Plan for Children’s Education in India: A Smart Financial Approach

In India, a child’s education is both an emotional priority and a critical financial goal. Parents aspire to provide quality education—whether in India or abroad—so their children can choose careers based on interest, not affordability. Yet, children’s education planning is often under estimated because families calculate fees, not the true cost of education.

The Real Cost of Children’s Education

Education expenses go far beyond tuition. They include hostel or rent, food, books, technology, travel, and living costs—often spread over several years.

Current all-inclusive education costs (2025) :

India (Graduation + Post-Graduation):

• Quality private and professional education: ₹35–50 lakh

Abroad (Graduation + Post-Graduation):

• Mid-tier global universities: ₹80 lakh – ₹1.2 crore
• Top global universities: ₹1.4 – 1.8 crore

With education inflation of 8–10%, these costs can triple in 12–15 years. A course costing ₹40 lakh today may exceed ₹1 crore in the future, making early planning essential.

Stream wise Education Current & Estimated Cost & SIP required to achieve it :

Current & Future Education cost & SIP required to achieve the same

‍

‍Why Early Education Planning Matters

Education expenses typically coincide with peak career pressure and retirement planning. Without proper planning, families may face heavy education loans, forced asset sales, or compromised goals. A well-structured children education fund removes this stress and allows confident decision-making.

SIP Calculation: The Power of Starting Early

A 35-year-old parent planning global education for a 6-year-old child may face a future cost of ₹2.5 crore after 12 years.

• Start today: SIP of approx. ₹ 50,000 per month Delay by 3 years: SIP rises to ₹75,000–85,000 per month

Early planning matters more than chasing high returns.

Smart Strategy for Children’s Education Planning

Effective education planning requires

• Growth-oriented investing in early years Gradual shift to stability as the goal nears
• Protection of retirement and overall financial balance Consistent investing despite market volatility

Education is a non-negotiable, time-bound goal it demands discipline and structure.

Why Parents Need Professional Guidance

Many parents struggle due to under estimated costs, inflation neglect, irregular investing, and difficulty balancing multiple goals. Long-term personal finance planning for children’s education needs clarity and expert monitoring.

How Avisa Wealth Helps Secure Your Child’s Future

At Avisa Wealth, children’s education planning is treated as a life-defining goal. We design and manage structured education portfolios with realistic assumptions,

disciplined asset allocation, and on going review ensuring your child’s education is fully funded without compromising retirement or peace of mind.

When the moment arrives, finances won’t limit your child’s dreams we ensure they empower them.

For getting your customized child's education plan you may get in touch with us at : avisa@swastika.co.in, or Connect us over phone or whatsapp.

‍