Child Education Planning

Child Education Planning: A Complete Guide for Indian Parents

Engineering, MBBS, foreign UG — current costs, expected inflation, and the SIP needed to fund each path from when your child is born.

Mahaveer Jain·18 March 2026· 7 min read
Child Education Planning: A Complete Guide for Indian Parents

Today's costs (2026)

  • Engineering (Tier-1 private): ₹20–25 L
  • MBBS (private): ₹60 L – 1.2 Cr
  • Foreign UG (US/UK/Canada): ₹1.5 – 2.5 Cr

Education inflation

India runs at 10% per year for higher education — much higher than CPI.

  • 0–5 yrs to goal: large-cap + balanced advantage
  • 5–10 yrs: flexi-cap + mid-cap SIPs
  • 10+ yrs: aggressive equity (small + mid cap) tilt
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Mahaveer Jain
Founder, Bhavya Investments

Mahaveer Jain is the Founder of Bhavya Investments with 25+ years of experience helping families across Bastar and Chhattisgarh with mutual funds, SIPs, insurance, retirement and property planning.

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