Future-Cost Projection
We project the real cost of school fees, undergrad, postgrad, and overseas education at the time of each milestone — using 8–10% education inflation.
Education costs are rising faster than general inflation — engineering, medicine, MBA, and especially overseas education now cost multiples of what they did a decade ago. A child education plan ensures the money is ready when your child needs it, regardless of how the economy, market, or your own income evolves between now and then. The earlier you start, the dramatically smaller the monthly commitment.
Our advisors project the realistic cost of your child's likely education path — school, undergrad, postgrad, possibly overseas — and design a milestone-based corpus. We pair equity-led growth in the early years (when the timeline is long) with gradual de-risking near each milestone, and include parental insurance so the plan continues even if life takes an unexpected turn.
Core features and capabilities that make this a smart choice for the right investor.
We project the real cost of school fees, undergrad, postgrad, and overseas education at the time of each milestone — using 8–10% education inflation.
Separate corpus buckets for school, undergrad, and postgrad — each invested differently based on its time horizon, not lumped together.
For a 15-year horizon, equity SIPs compound to dramatically more than fixed deposits or guaranteed plans — with the time to ride out market cycles.
2–3 years before each milestone, we systematically shift the corpus to debt — protecting the saved money from a poorly-timed market dip.
Adequate term life insurance on the earning parent ensures the education plan can be fully funded even in their absence — no compromise on the child's future.
For overseas education, we plan a sensible mix of corpus + education loan — letting children retain tax-deductible loan benefits while the corpus stays invested.
Real reasons our clients choose this and stay invested for the long term.
Your child's career path won't be dictated by what's affordable — they choose what fits them, knowing the money is there.
Starting when your child is 2 vs 8 can mean less than half the monthly SIP for the same target corpus — the math of compounding.
Parental term insurance ensures the education plan completes even if the earning parent is no longer there — vital, often-overlooked layer.
Equity mutual funds offer 10% LTCG above ₹1 lakh — far better than the taxation on FDs or many guaranteed insurance-linked education plans.
Unlike many ULIP or endowment-based child plans, mutual-fund-based plans are flexible — pause, reduce, or increase SIPs based on life circumstances.
You know exactly where you stand against the target — every year, with every review. No guesswork on something this important.
Discover the rest of our investment and wealth-building solutions.
Professionally managed, diversified growth
Disciplined monthly investing
Stable returns, predictable growth
Insurance + investment in one plan
Save tax, grow wealth — together
Speak with an InsureWise advisor for a personalized plan — free, transparent, and tailored to your goals.