SIP for Child Education — Build Your Child Education Fund
Calculate how much monthly SIP you need to fund your child education. Factor in education inflation and target corpus for college fees.
Education costs in India are inflating at 10-12% annually — double the general inflation rate. An engineering degree costing Rs 10 lakh today will cost Rs 26 lakh in 10 years and Rs 67 lakh in 20 years. For foreign education a masters program costing Rs 30 lakh today could cost Rs 78 lakh in 10 years. Starting a dedicated education SIP early is the only way to beat education inflation.
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Key Information
| Parameter | Details |
|---|---|
| Education Inflation | 10% - 12% per year |
| Current IIT Cost (4 years) | Rs 10-12 lakh |
| Current MBA (IIM) | Rs 25-30 lakh |
| Current US Masters | Rs 40-70 lakh |
Plan child education SIP
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Use Calculator NowFrequently Asked Questions
How much SIP for Rs 50 lakh education fund in 15 years?
At 12% SIP returns you need approximately Rs 7900/month for 15 years to build Rs 50 lakh corpus. For Rs 1 crore: approximately Rs 15800/month. Starting 5 years earlier (20-year SIP) reduces the required amount to Rs 3700/month for Rs 50 lakh — showing why early start matters enormously.
Best fund for child education SIP?
For goals 10+ years away: 60% equity index fund (Nifty 50) + 40% mid-cap fund. Shift gradually to debt funds as the goal approaches: 5 years before = 50% debt. 3 years before = 70% debt. 1 year before = 100% debt. This glide path protects the corpus from last-minute market crashes.
Education SIP vs education loan?
Starting Rs 10000 SIP when child is born: builds Rs 45-50 lakh by age 18. Taking a Rs 30 lakh education loan at 10% for 7 years: costs Rs 12 lakh in interest. The SIP approach saves the Rs 12L interest cost AND gives your child a debt-free start to their career. Use SIP for planned expenses and loans only for the gap.
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Last updated: March 2026