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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 Marriage Calculator
A wedding is usually the largest single expense an Indian family plans for, and it is typically twenty years away when the planning should start. This calculator ages today's cost to the year you will actually spend it, then works out what to invest.
The cost rises every year at the inflation rate you set. Anything already saved stays invested at the expected return, and new investments go in at the start of each month, compounded monthly.
in 20 years, at age 25
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 |
|---|
Twenty years of compounding turns a modest monthly amount into a wedding fund. Send us your figures and we will help you set it up so it builds quietly in the background.
The calculator inflates today's estimated cost to the year the wedding is likely to happen, then works out the monthly investment needed to reach that figure, net of anything you have already set aside.
Unlike an education fund, a wedding is often twenty years away when a parent starts thinking about it. That is a long compounding runway, and it means the monthly amount required is far smaller than the eventual cost suggests. It also means the fund can sit largely in equity for most of its life, since there is ample time to recover from market falls.
A significant share of Indian wedding spending goes on gold, and gold does not track general inflation — it follows its own cycle, driven by global prices and the rupee. If gold is a large part of what you are planning for, some families hold part of the fund in gold-linked instruments so that the fund and the cost move together rather than diverging. It is worth discussing rather than assuming a single inflation rate covers everything.
The most common mistake here is treating retirement savings as a fallback for a wedding. The wedding has a near-fixed date, retirement does not, and money withdrawn from a retirement corpus in your fifties has no time left to be rebuilt. Fund them as separate goals with separate targets.
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 →7% is a reasonable general assumption. Wedding costs are a mix of venue, catering, clothing and gold, and each behaves differently. If gold is a large share of your plan, consider modelling that portion separately rather than folding it into one rate.
The earlier the better, and the effect is dramatic over this length of horizon. Starting when a child is five rather than fifteen gives you ten extra years of compounding, and typically reduces the required monthly amount to a fraction of what a late start demands.
Many families do both. Buying gold steadily over years averages the price and matches part of the eventual expense directly. Physical gold carries storage cost and making charges; other gold-linked routes avoid some of that. Which suits you depends on how much of the eventual spend is gold.
Yes, as long as it is held in your own name in open-ended schemes, the money stays fully accessible and can be redirected. That is one argument for using Mutual Funds rather than a locked-in instrument for a goal this far out, where plans genuinely may change.
Yes, for the same reason as an education fund. Roughly three to five years before the expected date, start moving the accumulated amount into lower-volatility schemes so that a market fall in the final year does not force you to spend less than planned.
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.