top of page
Search

Planning a Baby? It Takes ₹75 Lakh to Raise a Child in India — Are You Financially or Just Emotionally Ready?

Let’s Cut the Crap: Parenting Isn’t Just Emotional — It’s Financial Warfare


We romanticize parenting in India. First steps, birthday cakes, nursery rhymes.

But no one tells you the truth: Raising a child today costs more than a house. And unlike property, there are no EMIs.


No brokers. Just a relentless stream of expenses that quietly bleed your wallet over 21 years.

So let’s talk numbers, not just nappies.

The Real Cost of Raising a Child in India (2025 Edition)

Expense Category

Estimated Cost (0–21 years)

Basic Needs (Food, Health, Clothing)

₹15–20 lakh

Schooling (Private, Middle Tier)

₹10–15 lakh

College + Coaching

₹15–25 lakh

Hobbies + Extracurriculars

₹5–10 lakh

Lifestyle (Phones, Parties, Trips)

₹10–15 lakh

Total

₹55–85 lakh

Yes, ₹75 lakh is a realistic, mid-range estimate. For one child. Before weddings, masters abroad, or unforeseen medical crises.



Planning a Baby It Takes ₹75 Lakh to Raise a Child in India — Are You Financially or Just Emotionally Ready. Samrat Investments, financial awareness and child investment funds.

The Emotional Blind Spot: “We’ll Figure It Out Later”

You know what’s worse than not saving?

Thinking you have time.


Here’s the truth most parents avoid:

  • Inflation is not waiting.

  • Schools are charging like Ivy Leagues.

  • Your income may not rise like your dreams.


You can’t “jugaad” your way through a ₹75 lakh commitment. You need a system.


The Anti-Panic Plan: Start Before It Feels Necessary

Let’s make it painfully simple.

If you start a ₹5,000 SIP when your baby is born, you’ll have ₹50 lakh by the time they’re 18. Assuming a 12% CAGR (yes, it’s possible with equity-linked funds).

Now add:

  • A PPF or Sukanya Samriddhi Yojana (SSY) for tax-free corpus.

  • Education insurance to protect against uncertainties.


This isn’t wealth creation. This is future-proofing the only human you’ll ever raise.


Investment Tools That Work

Tool

Why It Works

Ideal For

SIP in Mutual Funds

High growth, long term

Core fund

PPF

Tax-free, secure

Diversification

Sukanya Samriddhi Yojana

For daughters

Guaranteed, tax-saving

Education Insurance

Risk cover

Crisis protection

Direct Stocks/ETFs

Optional, high risk

For aware investors


The Brutal Truth No One Talks About

Everyone’s busy flexing on Instagram with designer strollers and “gentle parenting.”


But guess what’s not cute?

  • Running out of money when your kid’s in class 9.

  • Saying no to their dreams because you didn’t say yes to a SIP in time.


Raising a child is beautiful. But it’s also a high-stakes financial project.


👣 What You Can Do Today (Seriously, Today)

  • Start a SIP. Even ₹1,000 counts.

  • Calculate your child’s 18-year future cost.

  • Plan beyond school fees. Cover gadgets, gap years, therapy, and everything in between.

  • Set financial goals like you set height charts.


Your child doesn’t need the moon. They just need a parent who planned when no one else did.


Final Thought: Love Without Planning is Just Hope

Don’t just love your child emotionally.

Love them financially. Strategically. Proactively.


Because in 2045, when your kid dreams big —Your Excel sheet will be the reason they fly.


Your child’s future isn’t in the stars. It’s in your intelligent investment.

תגובות

bottom of page