What this actually involves
A professional degree that cost eight lakh rupees when you were a student can cost several times that by the time your child gets there. Education costs have historically risen faster than general inflation, and the date the fee is due does not move to suit market conditions.
This is why a child's corpus is treated separately from the household's other savings. It has a fixed deadline, a rising target, and no possibility of postponement. That combination calls for a long accumulation period, a gradual shift to safety as the admission year approaches, and adequate life cover on the earning parent so the corpus continues to be funded in the worst case.
We help you set the target, fix a monthly contribution, and keep the money ring-fenced from being used for something else along the way.
What this includes
- Target corpus estimated against current course costs and education inflation
- Monthly contribution worked backwards from the admission year
- A separate folio in the child's name or earmarked in yours
- Gradual shift to lower-volatility categories in the final three years
- Term cover on the earning parent so the goal is funded either way
- Annual check on whether the contribution still matches the rising target
Who it suits
- Parents of children under twelve, where time is still on your side
- Families expecting a professional or overseas course with a high fee
- Grandparents wanting to set aside a corpus for a grandchild
- Parents who have savings but nothing specifically ring-fenced for education
The four steps
Set the target
Current cost of the likely course, adjusted forward to the admission year.
Fix the contribution
A monthly amount you can sustain for the full period, not just this year.
Protect it
Adequate term cover so the corpus is completed even if income stops.
Land it safely
Move towards safety in the last few years so a bad market cannot derail admission.
Frequently asked
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Ready to take the next step?
Talk to us about your goals and we will walk you through the options in plain language — no pressure, no jargon.