Kids &amp; Education Finance News India

Byju's Insolvency: Is Your ₹19,000 Cr Fee Safe?

Byju's parent company is in insolvency proceedings. A court has paused the bidding process until August 31. If you paid fees or hold a loan linked to Byju's, here's what you need to know right now.

Inc42 Media

Coaching Costs ₹4L/Year: Is Your Retirement at Risk?

Indian parents are spending up to ₹4 lakh yearly on JEE, NEET, and other coaching classes. With education costs rising 10-12% every year, funding this the wrong way — by raiding your PF or taking a personal loan — can seriously hurt your financial future.

NBFC Education Loans: Is Your Family Getting a Fair Deal?

TVS Group's Home Credit India is acquiring education-focused lender Varthana Finance. This means more NBFCs are entering education lending — which affects families borrowing for school or college fees. Here's what to watch out for.

Inc42 Media

6 Salary Perks That Cut Your Tax Bill Legally

Most salaried employees don't fully use tax-free allowances in their salary. From food coupons to phone bills, these perks are exempt from income tax — and using them smartly can save you thousands every year.

Rupee Bounces Back 2.2%: Is Your Portfolio Smiling?

The rupee has recovered sharply from its weakest level earlier this year, and foreign investors are pouring money back into India. This affects your mutual funds, EMIs on imported goods, and even your travel budget.

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SSY at 8.2%: Build ₹50L for Your Daughter?

Sukanya Samriddhi Yojana lets parents invest up to ₹1.5 lakh per year for a girl child. At 8.2% interest, compounded yearly, consistent deposits over 15 years can grow into a ₹50 lakh+ corpus by the account's 21-year maturity — fully tax-free.

SSY at 8.2%: Can ₹12,500/Month Make Her a Crorepati?

Sukanya Samriddhi Yojana offers 8.2% interest, tax-free returns, and a 21-year maturity — making it one of the best long-term savings tools for parents of girl children in India.

SSY Deadline Missed? Your Daughter Loses ₹Lakhs

Sukanya Samriddhi Yojana builds a big fund for your daughter's future. But missing the yearly deposit deadline turns your account 'irregular' — and you lose compounding power worth lakhs over time.

Raising 1 Child Costs ₹6.75Cr: Is Your Plan Ready?

School fees in India are rising 10-12% every year. By the time your child finishes education, total costs from birth to graduation in a metro could cross ₹6 crore. Most parents are not saving enough to cover this.

Child's Education Fund: Which ₹5K/Month Plan Wins?

PPF, Sukanya Samriddhi, NPS Vatsalya, and mutual funds all claim to build your child's future. But liquidity rules, lock-in periods, and actual returns make them very different beasts. Here's what each one actually delivers.

Student Loans via EdTech: Are You Paying Too Much?

PhysicsWallah dropped its plan to lend directly to students and will now partner with NBFCs instead. If you or your child is taking a loan to pay for an online course, here's what you need to know before signing anything.

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Sukanya Samriddhi: Does Your ₹ Unlock at 21

Sukanya Samriddhi Yojana matures 21 years from the date you open it, not when the girl turns 21. So the earlier you open it, the longer your money stays locked — but also the more it grows.

EdTech Loans: 3 Traps Costing You ₹Lakhs?

EdTech platforms are offering easy loans to enrol students in courses. But high interest rates, no job guarantee, and aggressive recovery tactics have burned many borrowers before. Here's what to watch before you sign.

Inc42 Media

SSY at 21 Years: Can You Build ₹1 Cr for

Sukanya Samriddhi Yojana is a government scheme for girl children that offers 8.2% interest, full tax exemption, and can build a corpus of up to ₹1 crore or more if you invest the maximum amount every year from birth.

Rupee at ₹96/$: Is Your Foreign Degree Worth

A weaker rupee, rising tuition fees, stricter visas, and tight job markets abroad have made foreign education loans riskier than ever. Before taking a ₹50–80 lakh loan at 12%, you need to do the math honestly.

SSY Gives 8.2% Tax-Free — May 2026

Sukanya Samriddhi Yojana pays 8.2% interest, fully tax-free, with government backing. But your money is locked for up to 21 years. Is the return worth the wait — and what happens if you need cash before that?

Kids' College in Delhi? Save ₹25K/Month Now

Engineering and medical college fees in Delhi can easily cross ₹20-50 lakh per child. If you start saving early, even a monthly SIP of ₹15,000-25,000 can build that corpus over 10-15 years. This article breaks down how much you actually need to save, which instruments work best, and how to build a solid education fund for your children.

NPS Vatsalya vs SSY: Best Saving Scheme for

Indian parents have two strong government-backed options to save for their children's future — NPS Vatsalya and Sukanya Samriddhi Yojana. SSY is only for girl children and gives fixed returns, while NPS Vatsalya is open to all children and invests in markets. Knowing the difference helps you pick the right one for your family.

Sukanya Samriddhi Rate — Apr 2026

The government has kept the Sukanya Samriddhi Account interest rate unchanged at 8.2% per year for the April to June 2026 quarter. This scheme helps parents save for their daughter's future — education, marriage, or financial independence. It remains one of the highest guaranteed returns available in India right now, beating most fixed deposits.

Best Investments for Your Child's Future in 2025

Planning for your child's education or marriage? India offers several options — from Sukanya Samriddhi Yojana and PPF to mutual funds and fixed deposits. Each has different returns, tax benefits, and lock-in periods. Choosing the right mix early can make a huge difference to how much money you actually have when your child needs it most.

FD vs PPF vs NSC: Which Gives You More in 2026?

The government has kept small savings scheme rates unchanged for April–June 2026. So how do PPF, NSC, and Sukanya Samriddhi compare to bank FDs right now? If you have money to park, this comparison helps you pick the right option based on your tax bracket, lock-in comfort, and return goals.

Children's Education Allowance: Know Your Rights

If you're a central government employee, you can claim a special allowance called Children's Education Allowance (CEA) to help pay for your kids' school expenses — and get a tax exemption on it too. This benefit covers tuition, hostel costs, and more. Here's how it works and how much you can actually save.

Retirement & Kids' Education: Why Your Salary Falls Short?

Most salaried Indians are investing but still confused about retirement and children's education planning. Employer-led financial wellness programmes can fill this gap — here's what you need to know and do right now.

PPF vs SCSS vs SSY: Which Scheme Suits You?

PPF gives you tax-free growth over 15 years. SCSS gives senior citizens the highest guaranteed interest at 8.2%. SSY gives parents a powerful long-term tool for a girl child's future. Each has a different purpose — picking the wrong one costs you returns.

New Baby? Build a ₹1.5Cr Education Fund in 5 Steps

A newborn means you have 18 years to build a serious education and marriage fund. Start investing now — even ₹5,000 a month in the right mix of equity and debt can grow into a crore-plus corpus by the time your child needs it.

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No Kids? You May Need 40% More to Retire

Child-free couples often assume they need less money for retirement. But longer lifespans, no family support, and higher personal care costs can actually make their retirement planning tougher and more expensive than parents.

US Stocks via LRS: Can You Gift Them to NRI Kids?

If you bought US stocks under India's LRS route, you cannot simply gift them to your NRI child. Selling and repatriating within 180 days is mandatory, and US estate tax rules add another nasty surprise.

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Rupee Under Pressure: How Your EMI & Wallet Pay?

The RBI is actively defending the rupee in currency markets. When the rupee weakens, everyday Indians pay more for imports, foreign education, travel, and even floating-rate EMIs. Here's what it means for your money.