“बेटा, जो पढ़ना हैं पढ़, पैसे की टेंशन मत ले”
Every Indian Parent wants to say this to their child.
That confidence doesn’t come from love alone.
It comes from proper planning and starting investments early
What Higher Education Really Costs Today
Popular Courses in India (Approx.)
- Engineering: ₹10–30 lakh
- Medical (Private): ₹30–50 lakh
- MBA (Top Indian colleges): ₹20–30 lakh
- Law / Design / Architecture: ₹10–25 lakh
Studying Abroad
- UG degree: ₹25–40 lakh
- PG degree: ₹40–70 lakh+
The Silent Villain: Education Inflation
Education costs don’t rise slowly.
They rise faster than normal inflation.
- Education inflation: 8–10% per year
- A course costing ₹25 lakh today
→ can cost ₹60 lakh+ in 15 years
Why “We’ll Take a Loan” Is Not a Plan
Education loans help — but they come with trade-offs:
- EMI pressure on parents or child
- Delayed retirement planning
- Child starts career with debt
- Limited freedom after graduation
Loans should be a backup, not the foundation.
Early planning gives you choice:
- Partial loan
- Or no loan at all
What Planning Really Gives You
It gives you:
- Time
- Confidence
- Options
So that when the moment comes, you can say:
“Let’s see what’s best for you”
—not—
“Let’s see what we can afford.”