Banisatya WealthChild education planning
Higher education costs are rising faster than general inflation. A structured plan — started early — turns a daunting future expense into a manageable monthly SIP.
Education inflation in India typically runs 8–10% a year — roughly double general inflation. An engineering degree costing ₹12 lakh today could cost ₹30+ lakh in 12 years. Planning early matters more here than in almost any other goal: the same target needs a far smaller SIP at age 3 than at age 13.
How we help
A real cost target
Course type, India vs abroad, and education inflation — turned into a target for a specific year.
The right mix of instruments
Equity SIPs for long horizons, shifting to safer instruments as the admission year approaches.
Plan protection
Term insurance sized so the education goal is funded even if the earning parent isn't there.
Milestone reviews
Reviews keyed to school stages — so course changes or new ambitions update the plan, not derail it.
How it works
Free consultation
A 30-minute conversation — in person at Poddar Court, on a call, or on WhatsApp — to understand your goals, income, existing investments and risk comfort.
A written, goal-based plan
We map each goal to specific instruments and amounts, explain why each is suggested, and show illustrative projections — nothing is guaranteed, and we say so.
Regular reviews, lifetime support
Portfolio reviews on a fixed cadence, rebalancing suggestions when life or markets change, and quick claim/paperwork assistance whenever you need it.
Frequently asked
When should I start investing for my child's education?
As early as possible — ideally within the child's first few years. Starting at age 3 versus 13 can reduce the required monthly SIP by more than half for the same target.
Are child plans from insurance companies better than mutual funds?
Not automatically. Insurance 'child plans' bundle investment and insurance, often with higher costs. Term insurance + goal-dedicated SIPs is frequently more flexible and cost-efficient — we compare both honestly for your situation.
Let's grow wealth together.
Book a free consultation to discuss your goals — mutual funds, insurance, tax, retirement and more. No fees, no obligation.
Book a Free Consultation →Or call / WhatsApp +91 94330 87080 · Poddar Court, Kolkata