Are We Making Our Children Poorer by ₹2.5 Crores?

Every parent wants to give their child the best education.

But very few parents calculate the cost of not planning for it.

Today, a good graduation may cost ₹10–20 lakhs.

With education inflation over the next 15–20 years, the cost can easily reach ₹50 lakhs or more.

When that time comes, most parents take the easy option — an Education Loan.

But here is the hidden problem.

A ₹50 lakh education loan usually means:

₹50,000 – ₹60,000 EMI per month 15 years repayment period ₹90 lakhs – ₹1 crore total repayment

This means your child starts their career with financial pressure instead of financial freedom.

Instead of building wealth, they start life by repaying debt.

But there is a smarter option.

If parents start planning early and invest just ₹10,000 – ₹12,000 per month, they can build a ₹50 lakh education corpus in 15–20 years.

Parents invest around ₹20–25 lakhs, and the child graduates debt-free.

Now here is the most important point.

If the child was not paying a ₹50,000 EMI and instead invested that amount every month, that money could grow to nearly: ₹2.5 Crores

Yes.

By not planning education early, we are not just giving our children a loan. We are potentially taking away ₹2.5 crores of wealth creation.

In simple terms: Not planning for education can make our children poorer by ₹2.5 crores.

Education is not an expense. It is an investment in your child’s future.

Plan early. Give your child a debt-free start in life.

— R. Vikram Singh Retirement & Financial Planning Specialist