Start With ₹40,000 a Month and Secure Your Daughter’s ₹3 Crore Foreign Education Dream!

Today, women are leading in many fields — from top corporate roles to scientific innovation. As a parent of a newborn daughter, you may also dream of giving her the best possible future. One of the most important gifts you can give her is quality education.

But a good education, especially from a foreign university, comes with a high price tag. Costs are rising every year, and by the time your daughter is 18, they may be far higher than they are today.

What Will ₹1 Crore Cost in 18 Years?

Currently, a foreign degree may cost around ₹1 crore. But education costs rise every year. The education inflation rate is estimated at 5% annually for foreign education.

At that rate, in 18 years, you will need about ₹2.41 crore to fund the same degree that costs ₹1 crore today.

How Much Should You Invest?

Let’s say you want to build a ₹3 crore education fund by the time your daughter turns 18. Here’s how much you’ll need to invest based on the return you expect from your investments:

Scenario 1: Investing ₹40,000 per month

If you invest ₹40,000 monthly for 18 years and target a slightly higher 12% annual rate of return, your total invested amount will be ₹86,40,000. This investment is estimated to accumulate to a total value of ₹3,06,17,569, yielding estimated returns of ₹2,19,77,569.

Scenario 2: Investing ₹45,000 per month

If you invest ₹45,000 monthly for 18 years and expect an 11% annual rate of return, your total investment will be ₹97,20,000. This investment is estimated to grow to a total value of ₹3,06,04,926, with estimated returns of ₹2,08,84,926.

These estimates show that the earlier you start, the less you’ll need to invest each month or year.

Read more: Best Performing Equity Mid-Cap Index Funds Based on Returns Since Launch.

Conclusion

Planning for your daughter’s future, especially her education, is one of the smartest financial decisions you can make today. Whether you invest monthly, yearly, or go for a lump sum, starting early gives your money more time to grow. A well-planned SIP can open the doors to global education and give her the foundation to become a leader of tomorrow.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

 Investments in the securities market are subject to market risks, read all the related documents carefully before investing.