A child's education
The deadline does not move.
An education goal has a fixed start date and a cost that has historically risen faster than general inflation. Professional courses in India and study abroad both carry fee escalation that can outpace headline CPI, and unlike most goals you cannot simply delay it by a couple of years when the market is down.
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What changes the plan
Things worth deciding before the first instalment
Education inflation runs ahead of general inflation
Planning against today's fee is the most common mistake. A course costing ₹20 lakh now may cost substantially more by the time admission comes around, so the target should be set in future rupees, not current ones.
Currency risk if the course is overseas
A degree priced in dollars or pounds carries exchange rate exposure on top of fee inflation. Rupee depreciation over the saving period raises the effective cost independently of the fees themselves.
The runway is known from day one
Unusually, this is a goal where the exact number of years is known the moment the child is born. That long, certain runway is the single biggest advantage available, and starting early does more work than any other lever.
A child's education
Start from a monthly number
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FAQ
Questions about a child's education
The runway is the main variable you control, and it only shrinks. Starting earlier means a smaller monthly commitment for the same target, and more time to absorb poor market years.
Loans and investing are not mutually exclusive — many families use both, with a corpus covering the initial outlay and a loan bridging the rest. The interest cost, tax treatment under Section 80E and your repayment capacity all factor in.
Other milestones
Contact
Talk through a child's education
Bring the number you have in mind and the date you want it by. The first conversation is free, and nothing gets recommended in it.
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