What is SIP for Child Education?
SIP for child education is a smart way to save for your child’s future. It allows you to invest small, fixed amounts regularly in mutual funds. Over time, this helps you build a good amount of money for higher education. SIPs offer benefits like disciplined savings, compounding, and rupee cost averaging. You can choose funds based on your risk level and duration. Starting early ensures you have enough funds when needed.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Axis Max Life |
32.5% |
21.1% |
|
| Tata AIA Life |
30.5% |
21% |
|
| Bajaj Allianz |
20.77% |
12.18% |
|
| HDFC Life |
22.35% |
14.28% |
|
| Canara HSBC Life |
16.54% |
9.58% |
|
| Bharti AXA |
17.39% |
12.97% |
|
| Birla Sun Life |
22.67% |
13.96% |
|
| ICICI Prudential Life |
19.9% |
12.78% |
|
| LIC India |
10.4% |
- |
|
| PNB MetLife |
20.4% |
15.81% |
|
Fund rating powered by
Last updated: Jul 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
How SIP for Child Education Works?
Let us understand the working of the best SIP plan for child education from the following steps:
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Choose a Mutual Fund Scheme: Select an equity or hybrid mutual fund that suits your risk profile and long-term education goals.
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Decide the SIP Amount: Use an education cost calculator to estimate future expenses and set a monthly SIP amount accordingly.
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Set the Investment Tenure: Start early and aim for a tenure aligned with your child's education timeline to leverage compounding.
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Invest Regularly: Contribute a fixed amount each month and automate the process to ensure consistency and discipline.
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Track and Adjust: Review your SIP performance periodically and adjust the amount if needed based on changes in income or education costs.
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Redeem When Needed: Withdraw funds as per your child’s education milestones while being mindful of taxes on the redeemed amount.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.6%
High Growth Fund
18.2%
Top 200 Fund
13.48%
Accelerator Mid-Cap Fund II
13.41%
Opportunities Fund
9.52%
Equity II Fund
12.55%
Pension Enhanced Equity
13.49%
Growth Opportunities Plus Fund
14.35%
Multiplier
10.5%
Equity Top 250 Fund
12.37%
Future Apex Fund
11.61%
Opportunities Fund
13.11%
Frontline Equity Fund
13.95%
Virtue II
10.18%
Pension Dynamic Equity Fund
11.42%
Top 300 Fund
9.38%
Blue-Chip Equity Fund
SIP Calculator to Estimate Investment for Child Education
A SIP Calculator helps you estimate how much you need to invest monthly to meet your child's education expenses. This tool makes it easier to determine the amount of monthly contribution needed, allowing you to stay on track with your child's education goals in the future.
To estimate the monthly investment for your child's education, use the SIP calculator with the following details:
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SIP Calculator for Child Education Fund:
Select “I Know My Goal Amount” option. Enter your child education goal, investment duration, and expected return-
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Child Education Fund Estimate: 20 lakhs
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Investment Duration: 15 years
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Expected Return: 15% annually.
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SIP Calculator Results:
The calculator will give the following results-
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Monthly Investment Required: ₹3,250
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Total Investment: ₹5,84,000
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Amount Required: ₹20,00,000
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Wealth Gained from SIP: ₹14,20,000
Key Points to Consider Before Investing in a SIP for Child Education
You should consider the following points before you start saving for your child’s education through a SIP plan:
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Start Early: Begin investing as soon as possible. The more time your money has, the better it grows.
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Estimate Future Costs: Find out how much education will cost in the future and plan your SIP based on that.
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Choose the Right Fund: Pick a fund that matches your risk level and how long you want to invest.
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Invest Regularly: Invest every month. This helps you stay disciplined and benefit from market fluctuations.
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Review Periodically: Keep checking the performance of your fund and make changes if needed.
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Consider Inflation: Education costs will rise over time, so plan for inflation in your SIP amount.
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Stay Disciplined: Don’t take money for other needs. Let it grow for your child’s education.
