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Mutual Funds
Professionally managed, SEBI-regulated pooled investments across equity, debt and hybrid categories. You can start with a small monthly SIP and stop, pause or redeem when you need to.
Start from ₹500 a month
About Mutual Funds →Home › Calculators › Child Education Calculator
Education costs in India have risen faster than general inflation for years. This calculator takes the fee a course charges today, ages it to the year your child will actually enrol, and works out what you need to invest each month to be ready.
The course fee rises every year at the education inflation rate you set. Anything already saved stays invested at the expected return. New investments go in at the start of each month and compound monthly until the money is needed.
in 15 years, at age 18
Illustration only, based on the assumptions you enter. Not a projection or guarantee of returns. Does not account for taxes, exit loads or expenses.
| Year | Child's age | Invested this year | Total invested | Value at year end |
|---|
This is a goal with a fixed date that cannot be postponed. Send us these figures and we will look at how to structure it, including moving to safer schemes as the enrolment year approaches.
The calculation has two halves. First it inflates today's fee to what the same course will charge in the year your child enrols. Then it works out the monthly SIP that builds that amount by then, after subtracting whatever your existing savings will have grown into.
General inflation in India has run in the region of 5–6%. Private school and college fees have risen faster over most of the past two decades, which is why the default here is 8% rather than 6%. If you are planning for a specific institution, look up what it charged five years ago against today and use the actual rate — it is often higher than people assume, and the figure compounds for fifteen years or more.
This is what separates an education goal from most others. If your retirement corpus falls short you can work two more years. If your child is eighteen and the admission is due, the money is needed that year. That has a practical consequence: the mix should shift away from equity as the date approaches. A 40% market fall in the year your child needs the fees is a very different event at 45 than at 60.
A common approach is to hold mostly equity while more than seven years remain, move gradually toward hybrid and debt over the following years, and hold the amount needed for the first two years of fees in something stable by the time enrolment arrives.
Nidhish Investments, founded by Nimesh Vala, is an AMFI-registered Mutual Fund Distributor and an APMI-registered PMS Distributor working with families across Gujarat. We distribute three categories of SEBI-regulated products, and the right one depends on the capital you are working with and the risk you can carry.
Core
Professionally managed, SEBI-regulated pooled investments across equity, debt and hybrid categories. You can start with a small monthly SIP and stop, pause or redeem when you need to.
Start from ₹500 a month
About Mutual Funds →Newer category
A SEBI category positioned between Mutual Funds and PMS. SIF strategies have wider freedom in how they are run, including the use of derivatives, and carry higher risk than conventional Mutual Funds.
Minimum ₹10 lakh
About SIF →Larger portfolios
Securities are held in your own demat account and managed on your behalf by a SEBI-registered portfolio manager, against a defined strategy rather than a pooled scheme.
Minimum ₹50 lakh
About PMS →8% is a reasonable default for India, and higher than general inflation for good reason — fees have historically risen faster. For a specific institution, compare its fee today with its fee five years ago and work out the actual rate. For courses abroad, add an allowance for currency movement on top.
As early as you reasonably can, because the number of years is the single biggest lever. Starting when a child is three rather than ten gives you seven more years of compounding and usually cuts the required monthly amount by more than half.
Not the whole time. Equity is appropriate while the goal is far away, but the date is fixed and a sharp fall close to enrolment cannot be waited out. Most parents reduce equity exposure over the last three to five years and hold the near-term fees in stable schemes.
They are different tools. Both offer government-set returns with a long lock-in and no market risk, which suits the stable portion of an education fund. Equity Mutual Funds have historically produced higher long-run returns with volatility along the way. Many families use both — the guaranteed schemes for the floor, Mutual Funds for the growth.
Start with what you can and raise it each year as income grows — the Step-up SIP Calculator shows how much that closes the gap. Also treat the figure as a full-cost target: education loans and scholarships legitimately cover part of the requirement for many families.
Usually your own. A folio in a minor's name becomes theirs entirely at eighteen and requires a status change process at that point, and the money cannot be redirected if plans change. Most parents keep it in their own name and earmark it for the purpose.
Statutory disclosures and risk disclaimer
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Nidhish Investments is an AMFI-registered Mutual Fund Distributor holding ARN-364347, and an APMI-registered Portfolio Management Services Distributor holding APRN-10163. We act solely as a distributor of investment products. We are not registered with SEBI as an Investment Adviser and do not provide investment advice, financial planning or portfolio management services.
This calculator is provided for illustration only. It uses the assumptions you enter and does not constitute a projection or guarantee of returns. It does not account for taxes, exit loads, expenses or changes in regulation. Past performance of any scheme, strategy or portfolio manager is not indicative of future results, and no returns are assured or guaranteed.
As a distributor, Nidhish Investments receives commission or brokerage from Asset Management Companies and portfolio managers on investments made through us. Details of commission earned on any product will be disclosed to you on request. Investors are advised to consult their own tax and legal professionals before investing. Registration status can be independently verified on the AMFI and APMI websites.