Sip Calculator
Higher education in India is getting expensive fast. An IIT/IIM today costs ₹20–30 lakhs. In 15 years, with 10% education inflation, that same degree will cost ₹80–₹1.2 crores. The only way to beat this: start a dedicated education SIP for your child today.
This post shows you exactly how much to invest monthly, based on your child's current age and your target education fund.
Education Inflation: The Invisible Threat
Education costs in India have been rising at 10-12% annually — roughly double general inflation. Here's what today's courses will cost in 15 years:
| Education | Cost Today | Cost in 15 Years (10% inflation) |
|---|---|---|
| Engineering (Private) | ₹8–15 L | ₹33–62 L |
| MBBS (Private) | ₹50–80 L | ₹2–3.3 Cr |
| IIT / NIT | ₹8–12 L | ₹33–50 L |
| MBA (Top B-School) | ₹20–35 L | ₹83 L–1.45 Cr |
| Study Abroad (USA/UK) | ₹50 L–1 Cr | ₹2–4 Cr |
SIP Required to Build Education Fund (@ 12% CAGR)
| Target Fund | In 10 Years | In 15 Years | In 18 Years |
|---|---|---|---|
| ₹25 Lakhs | ₹11,700/mo | ₹4,950/mo | ₹3,200/mo |
| ₹50 Lakhs | ₹23,400/mo | ₹9,900/mo | ₹6,400/mo |
| ₹75 Lakhs | ₹35,100/mo | ₹14,850/mo | ₹9,600/mo |
| ₹1 Crore | ₹46,800/mo | ₹19,800/mo | ₹12,800/mo |
Child Education SIP Calculator ↓
🎓 Education Fund SIP Calculator
Years to Invest
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Monthly SIP Needed
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Assumes 12% CAGR. College starts at age 18. Full Calculator →
Best Fund Types for Child Education SIP
- 15+ years to go: Aggressive equity — flexi-cap or mid-cap funds for maximum growth
- 10–15 years: Balanced advantage / multi-cap funds — growth with some stability
- 5–10 years: Conservative hybrid or dynamic bond funds — protect the corpus
- Less than 5 years: Move to debt funds or FDs — capital preservation is priority
Secure Your Child's Future Today ↓
Use our free SIP calculator to find the exact monthly SIP for your child's education goal.
Open SIP Calculator →Frequently Asked Questions
How much SIP to save 50 lakhs in 15 years?
At 12% CAGR, you need approximately ₹9,900 per month SIP for 15 years to accumulate ₹50 lakhs.
How much SIP for child education fund in India?
Education costs are inflating at 10-12% annually. For a college fund of ₹50 lakhs in 15 years, invest ₹9,900/month at 12% CAGR. For ₹1 crore, invest ₹19,800/month.
What type of SIP is best for child education?
For a 15+ year horizon, equity mutual fund SIPs (flexi-cap or mid-cap) are ideal. For 8-10 year horizons, a balanced advantage fund SIP reduces volatility while maintaining growth.
Should I use a Sukanya Samriddhi Yojana instead of SIP for my daughter?
SSY offers ~8.2% guaranteed returns with tax benefits under 80C — great for the debt portion. But for long-term wealth creation, an equity SIP typically outperforms SSY by 3-5% CAGR over 15+ years. A combination works best.