Fund the degree without an education loan.
Education costs have historically risen faster than general inflation. We work backwards from the course, the year and the country to a monthly figure you can start today.
What’s included
Cost projection
Today's course cost inflated to the admission year, for Indian or overseas education.
Dedicated funding
A separate folio for the goal so it is never quietly spent on something else.
Risk glide path
Equity-heavy early, progressively shifted to debt in the three years before admission.
Protection check
Term cover and a waiver structure so the plan survives if you are not around.
How we work on this
- 1
Define the goal
Course, likely country, admission year and an honest cost estimate.
- 2
Funding plan
Monthly SIP required, with a step-up schedule tied to your increments.
- 3
Protect the plan
Adequate term cover so the goal is funded regardless of what happens to you.
- 4
De-risk near the date
Systematic shift into debt as admission approaches, locking in what has been earned.
- Parents of children under 15 with a long runway to invest
- Families considering overseas undergraduate or postgraduate study
- Parents currently relying on a traditional child insurance plan
- Anyone wanting the goal ring-fenced from other spending
Assumes 8% education inflation. Overseas costs also carry currency risk, which we account for separately in the projection.
Common questions
They bundle modest cover with modest returns. Separating a term policy from a goal-linked investment usually delivers materially more for the same outlay.
From the first year is ideal — a 15-year runway needs roughly a third of the monthly amount a 7-year runway does.
We add currency depreciation to the projection and may keep part of the corpus in international funds as a hedge.
Yes. We can structure gifting and nomination so contributions flow into the same goal cleanly.
What will that course cost by admission year?
Education has historically outpaced general inflation. Work backwards from the cost and the year to a monthly number you can start now.
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A ₹25.00 L course today costs this much in 14 years at 8% education inflation.
Start before the fees start
A 30-minute conversation, no obligation. Bring your goals and current position — you'll leave with a clear first step.
- Reply within one working day
- No product pitch
- AMFI & IRDAI registered
- A 30-minute call about your goals
- A written plan, with the reasoning
- You decide — no obligation