Goal 03 · Family
Children's education
Because their dreams deserve more than last-minute savings.
Children's ambitions change every year — doctor, engineer, designer, astronaut. What does not change is that the money will be needed on a date you can already estimate, and that the bill is rising faster than most incomes. The time to plan for it is now, whatever they end up choosing.
Why it needs its own plan
You had it easier. Will they?
Education costs have outpaced general inflation for two decades, and a degree abroad adds currency risk on top. Parents who wait often end up with an education loan or a hurried redemption of retirement money. Parents who start early get to choose — and to say yes when the offer letter arrives.
The arithmetic, live
What a course costs by the time admission comes
Today's fee, education's own inflation, the years to go — and the SIP that funds it.
- What you put in · ₹35 lakh
- What compounding adds · ₹43 lakh
Illustration for education only. Every figure is an arithmetical working on the inputs above; assumed returns are not a forecast and no return is assured. Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
What you can expect
A cost estimate for the education you have in mind — domestic or international — inflated to the year it starts
A dedicated, separately tracked plan so this goal never competes with retirement or a home
An equity-led SIP while the date is far, gliding into debt in the final three years so a market fall cannot derail the admission
Periodic reviews for career shifts, a second child or a change of plan
Who this is for
Parents of young children who want to plan ahead
Parents of teenagers approaching college years
Grandparents who want to contribute meaningfully and cleanly
Families considering a degree abroad
How we approach it
4 steps, in order.
Start early — but start right
Time is the greatest ally, but a plan labelled 'child plan' is often neither good insurance nor good investment. Keep protection and investment separate.
Put a number on it
Today's fee for the course you have in mind, inflated at education's own rate to the year of admission, plus living costs.
Fund it monthly
A SIP sized to the gap, in equity funds while there are more than seven years to go.
Glide and review
As admission nears, the money moves into debt funds. Every review checks the estimate against reality.
Questions we help you answer
The questions clients actually ask.
Usually draws on
Yes. Time is your greatest ally: even modest contributions now grow significantly by the time admission comes, easing the burden later.
We project from today's fees using education inflation, the type of course, and whether it is in India or abroad — then revisit the estimate every year.
We map tuition, living costs and the exchange rate over time, and build a plan that works towards that target with room for currency movement.
Yes. There are clean, tax-aware ways for grandparents to support a child's goal while ownership and boundaries stay clear.
Then the money funds that path — a start-up, a different course, a first home. A goal fund is flexible; a loan is not.
We set up separate, transparent plans that are fair by design, so neither child's future is compromised.
Consistency matters more than size. Starting small now beats starting big too late.
Want to give your child more than good wishes?
Let's build a future where their choices are never limited by your resources.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Sanriya Finvest Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-193359); the guidance on this page is incidental to our mutual fund distribution services and is not a recommendation to buy or sell any scheme.