Whether your child studies in India or abroad, education costs are rising 10-12% annually. Goal-based investment planning, education loan advisory, and forex strategies — so the funding is ready when they are.
Calculate the future cost of education (10-12% annual inflation) and set up SIPs in equity, balanced, and debt funds matched to your child's admission timeline.
Studying in the US, UK, Canada, or Australia? We plan for tuition + living costs in foreign currency, LRS routing (USD 250K/year), and optimal fund transfer timing.
Comparison across banks and NBFCs for education loans. Collateral vs non-collateral options, interest rate negotiation, and tax benefit under Section 80E.
NRI parents funding children in India or abroad face unique challenges — currency planning, repatriation for Indian education, and multi-country cost structures. We optimize the flow.
For an Indian IIT/IIM education, plan for INR 25-40 lakh in today's terms (INR 60-100 lakh in 10 years at 10% inflation). For US undergraduate, plan for USD 200,000-300,000 (INR 1.7-2.5 crore). Start SIPs early — a 15-year SIP of INR 15,000/month at 12% returns accumulates approximately INR 75 lakh.
Yes. Under the Liberalised Remittance Scheme, each individual can remit up to USD 250,000 per financial year for education abroad. Both parents can use their individual LRS limits. TCS of 5% applies above INR 7 lakh for education purposes (0.5% if funded via education loan). This TCS is adjustable against your income tax.
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