The Service
What this actually solves.
Education costs in India and abroad have compounded at 8–10% a year — well above household inflation. We build a dedicated corpus for each child, timed to admission year, and de-risk it as the date approaches.
Who this is for
Ten or more years of runway — the cheapest time to fund the most expensive goal.
Foreign tuition plus currency movement needs a larger, earlier, better-structured corpus.
Admission is close. The plan must balance growth with preserving what you already have.
What’s Included
Six things you can hold us to.
Every engagement is documented — you will know what was discussed, why, and what happens next.
Start the Conversation- 01Education-inflation costing
Target cost built on realistic education inflation of 8–10%, not general CPI.
- 02Per-child dedicated corpus
Each child’s plan runs separately, timed to their own admission year.
- 03Currency-aware overseas planning
For foreign education, targets account for fee growth and rupee movement together.
- 04Step-up SIP structure
Contributions rise with your income, keeping early years affordable.
- 05De-risking glidepath
Equity steps down to stable assets in the final 2–3 years, designed to reduce dependence on that year’s market.
- 06Education-loan interplay
A clear view of what to fund from corpus versus a loan — and why the split makes sense.
8–10%
is the pace at which education costs have compounded — a four-year degree can double in cost every 7–8 years.
Our Approach
How the work unfolds.
01
Cost
Today’s fee, inflated to admission year — the honest target.
02
Build
A dedicated SIP with annual step-ups sized to that target.
03
De-risk
A gradual shift to lower-volatility funds as admission approaches.
Common Questions
Asked before most first meetings.
A course costing ₹30 lakh today can cost over ₹1 crore in 13 years at 10% education inflation. Run your own assumptions in our education planner — then we pressure-test them together.
Ideally before your child turns three. Every additional year of compounding meaningfully reduces the monthly amount needed — and reduces how much equity risk the plan must carry later.
Usually a deliberate mix. A corpus covers the certain portion; a loan can bridge gaps and carries tax benefits on interest. What we avoid is the default of no corpus and a maximum loan.
Disclaimer: JP Financial is an AMFI-registered Mutual Fund Distributor and is not a SEBI-registered Investment Adviser. Information provided on this website is for general educational and informational purposes. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Past performance does not indicate future performance. Tax-related information is provided for general educational purposes. Please consult your Chartered Accountant or tax professional for advice specific to your circumstances.
Ready to talk about funding your kids’ education?
A first conversation is free and obligation-free. We will tell you honestly whether this service is what you need.
Book a Consultation