Use a disciplined SIP for child education to build a strong corpus for school fees, college tuition, and higher studies. Beat rising education inflation, avoid high-interest loans, and fulfill your child’s dreams stress-free. Start with just ₹500/month.
Education costs rise 10–12% annually. Goal-based SIP helps you stay ahead and pay fees without expensive loans.
Education inflation outruns FD/RD. Equity & hybrid SIPs target 10–15% returns, safeguarding your child's future against rising costs.
Education loans charge 9–14% interest. SIP helps you pay upfront from your accumulated corpus, saving lakhs in interest.
Start early when your child is young. ₹2,000/month SIP at 12% for 15 years = ~₹10 lakh – enough for quality higher education.
Flexible redemption for school admissions, semester fees, or college deposits. No penalty, no lock-in (except ELSS).
Compare and choose the best financial tool for your child’s academic journey – avoid debt traps.
| Parameter | SIP (Hybrid/Equity) | Education Loan | Recurring Deposit (RD) | Fixed Deposit (FD) |
|---|---|---|---|---|
| Expected Returns / Interest Cost | 10–15% returns (wealth creation) | 9–14% interest payable (cost) | 6–7% returns | 6–7.5% returns |
| Loan / Debt Burden | Zero debt – pay from own corpus | EMI after moratorium, interest burden | No debt | No debt |
| Monthly Commitment | Flexible SIP amount (₹500+) | EMI (principal + interest) | Fixed monthly RD installment | Lumpsum or no monthly |
| Education Inflation Protection | High (equity exposure) | Low (you repay more than borrowed) | Poor (returns below inflation) | Poor |
| Liquidity Before Fees | Withdraw anytime without penalty | Disbursed only after admission proof | Premature penalty | Breakage penalty |
| Best For | Parents planning 3–15 years ahead | Immediate need, no savings | Very short term (1–2 years) | Short term stability |
From downloading the app to funding school & college fees – seamless journey.
Install from Google Play or App Store (single link for both).
Download AppUse Aadhaar + PAN based verification via the KYC form below or in-app. Instant activation.
Enter target amount (e.g., ₹15 lakh for engineering/medical) & time horizon. In-app calculator suggests monthly SIP.
Select from diversified equity, hybrid, or children's fund portfolios. Start SIP with ₹500/month or more.
Set monthly auto-debit. Increase SIP amount yearly (step-up) to match rising income & inflation. Withdraw when fee payment is due – no loan needed!
Plan for ₹10 lakh, ₹20 lakh or ₹50 lakh goal. Use intelligent calculator inside app – know exact monthly investment.
Download App & Use Calculator →Fill the form below. Our team will assist you with paperless KYC and guide you to the best funds for your child’s education goal.
Absolutely. Education loans add interest burden (9-14%). SIP builds your own fund, you pay zero interest. You stay debt-free while funding top-tier education.
Minimum 5-7 years for equity exposure; 10-15 years is ideal for large corpus. For short term (<3 years), use hybrid or debt funds.
Yes, mutual fund SIPs (except ELSS) have no lock-in. Redeem units for admission fees, tuition, or any education expense without penalty.
You can start a SIP for child education with just ₹500 per month via Sanchay Karo app.
Assuming 12% returns, approx ₹5,700/month. For ₹50 lakh goal, ~₹14,200/month. Use our app calculator for exact numbers.
ELSS funds offer 80C deduction but have 3-year lock-in. For pure education goal, non-ELSS funds provide better liquidity. Long-term capital gains over ₹1 lakh taxed at 10% – still tax-efficient vs loan interest.
Join thousands of parents who secured their children's academic future without education loan stress using disciplined SIP investing.
One app – set education goals, track progress, withdraw exactly when school or college fee is due.
STOP Wasting Your Hard-Earned Money on F&O Trading!
Download Sanchay karo app & start Investment With SIP
Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
The Registered name: PALLAB ROUTH | AMFI Registered Mutual Fund Distributor | ARN – 301757 | EUIN : E572917 |Date of Registration: 22-07-2024 | Current validity: 15-07-2027
Copyright © 2024-2026 Sanchay Karo , All Rights Reserved.🇮🇳 Made with ❤️ in India (MSME- UDYAM-WB-12-0123391)
