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Education Planning Calculator
What is a Childhood Education Planning Calculator?
Childhood Education Planning Calculator is an important tool that allows you to plan your investments in order to meet the education needs of your children in the future. Getting the right education for children is imperative and the stakes are high when the expenses involved with education are only getting costlier. With an Education Planning Calculator, you will be able to figure out exactly how much money you will need for your child’s education and exactly how much you should save and invest on a regular Basis
How does the Calculator Work?
The working of the calculator is very simple. All you have to do is enter the relevant details against the fields and get an estimate on the future cost of the education as well how much monthly savings you should do to reach your goal. Simple details like the investment amount, the age of your child, your age, and annual Income can help you determine how much you can save up if you start Investing today.
Note/ Disclaimer:The calculations are generated assuming an Inflation rate of 6% and the values are illustrative. The actual cost incurred would depend on the future performance of your investment and is subject to Market conditions.
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Benefits of Child Education Calculator
Education planning is a long term project and can be a difficult one. There could be unforeseen circumstances that can throw you off your Financial goals. The child education calculator comes in handy and generates the estimated education costs for a set number of years keeping in mind the rate of inflation. Not only can this help you get a fair estimate but also help you plan your finances better.
Why Should you Plan your child’s higher education?
With the rising rate of inflation and it can never be too early for you to be planning your child’s education expenses. It is important to have a plan in place keeping in mind as any delay in the formulation of the right investment strategy could prove detrimental to your child’s future. While economic fluctuations are unpredictable, planning early can give a certain amount of immunity against it. Planning becomes all the more important if you plan to send your child for post graduate studies, as it will serve as a financial cushion at such crucial times. Since this a very long term plan, a wise strategy would be to start putting aside small sums of money today, rather than allowing yourself to get overwhelmed by large payments and lack of savings later.
Other Long term Investments you should do to help your child’s future education
Equity Funds can be a good option for investments for you if you have a small child who still has 15-18 years until undergraduate studies. This is recommended since over such a long period of time the Volatility in returns tend to balance out. A high level of equity can also help counter the inflation rate. You can invest in a SIP that would help you build a corpus steadily, or even opt for a lump sum deposit in case you have a substantial amount to invest . The remaining 30-35% of the Portfolio can be diverted to safer options like PPF, Tax saving fixed deposits and tax free Bonds. For a short term focus of about 5 years, investing in Fixed Income options like fixed deposits and PPF would be a wise choice. Even though the returns are lower, they are guaranteed and the risk involved is less as well.
Top Funds for 2025
*Best funds based on 3 year performance.
The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others. SBI PSU Fund is a Equity - Sectoral fund was launched on 7 Jul 10. It is a fund with High risk and has given a Below is the key information for SBI PSU Fund Returns up to 1 year are on To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns. Invesco India PSU Equity Fund is a Equity - Sectoral fund was launched on 18 Nov 09. It is a fund with High risk and has given a Below is the key information for Invesco India PSU Equity Fund Returns up to 1 year are on 1. SBI PSU Fund
CAGR/Annualized return of 7.4% since its launch. Ranked 31 in Sectoral category. Return for 2024 was 23.5% , 2023 was 54% and 2022 was 29% . SBI PSU Fund
Growth Launch Date 7 Jul 10 NAV (28 Jan 25) ₹28.2282 ↓ -0.21 (-0.75 %) Net Assets (Cr) ₹4,572 on 31 Dec 24 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 2.3 Sharpe Ratio 0.81 Information Ratio -0.4 Alpha Ratio 0.22 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹9,002 31 Dec 21 ₹11,920 31 Dec 22 ₹15,379 31 Dec 23 ₹23,688 31 Dec 24 ₹29,244 Returns for SBI PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 25 Duration Returns 1 Month -8.1% 3 Month -9.9% 6 Month -18.2% 1 Year 6.8% 3 Year 28.7% 5 Year 22.1% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2023 23.5% 2022 54% 2021 29% 2020 32.4% 2019 -10% 2018 6% 2017 -23.8% 2016 21.9% 2015 16.2% 2014 -11.1% Fund Manager information for SBI PSU Fund
Name Since Tenure Rohit Shimpi 1 Jun 24 0.59 Yr. Data below for SBI PSU Fund as on 31 Dec 24
Equity Sector Allocation
Sector Value Financial Services 35.74% Utility 23.41% Energy 16.47% Industrials 11.12% Basic Materials 7.15% Asset Allocation
Asset Class Value Cash 6.1% Equity 93.9% Top Securities Holdings / Portfolio
Name Holding Value Quantity State Bank of India (Financial Services)
Equity, Since 31 Jul 10 | SBIN15% ₹694 Cr 8,277,500 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 31 Jul 10 | POWERGRID9% ₹415 Cr 12,585,554 GAIL (India) Ltd (Utilities)
Equity, Since 31 May 24 | GAIL9% ₹414 Cr 20,750,000
↑ 2,400,000 Bharat Electronics Ltd (Industrials)
Equity, Since 30 Jun 24 | BEL8% ₹369 Cr 11,975,000 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 31 Aug 24 | BPCL6% ₹260 Cr 8,900,000 NMDC Ltd (Basic Materials)
Equity, Since 31 Oct 23 | NMDC5% ₹214 Cr 9,300,000 NTPC Ltd (Utilities)
Equity, Since 31 Jul 10 | NTPC4% ₹198 Cr 5,443,244 Bank of Baroda (Financial Services)
Equity, Since 31 Aug 24 | BANKBARODA4% ₹192 Cr 7,800,000 General Insurance Corp of India (Financial Services)
Equity, Since 31 May 24 | 5407553% ₹144 Cr 3,600,000 Petronet LNG Ltd (Energy)
Equity, Since 30 Jun 24 | PETRONET3% ₹137 Cr 4,100,000 2. Invesco India PSU Equity Fund
CAGR/Annualized return of 11.8% since its launch. Ranked 33 in Sectoral category. Return for 2024 was 25.6% , 2023 was 54.5% and 2022 was 20.5% . Invesco India PSU Equity Fund
Growth Launch Date 18 Nov 09 NAV (28 Jan 25) ₹54.63 ↓ -0.35 (-0.64 %) Net Assets (Cr) ₹1,286 on 31 Dec 24 Category Equity - Sectoral AMC Invesco Asset Management (India) Private Ltd Rating ☆☆☆ Risk High Expense Ratio 2.39 Sharpe Ratio 0.94 Information Ratio -0.62 Alpha Ratio 3.46 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Dec 19 ₹10,000 31 Dec 20 ₹10,607 31 Dec 21 ₹13,900 31 Dec 22 ₹16,755 31 Dec 23 ₹25,883 31 Dec 24 ₹32,519 Returns for Invesco India PSU Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 28 Jan 25 Duration Returns 1 Month -9.7% 3 Month -11.3% 6 Month -20.7% 1 Year 10.3% 3 Year 27.1% 5 Year 23% 10 Year 15 Year Since launch 11.8% Historical performance (Yearly) on absolute basis
Year Returns 2023 25.6% 2022 54.5% 2021 20.5% 2020 31.1% 2019 6.1% 2018 10.1% 2017 -16.9% 2016 24.3% 2015 17.9% 2014 2.5% Fund Manager information for Invesco India PSU Equity Fund
Name Since Tenure Dhimant Kothari 19 May 20 4.62 Yr. Data below for Invesco India PSU Equity Fund as on 31 Dec 24
Equity Sector Allocation
Sector Value Industrials 32.5% Financial Services 25.06% Utility 15.92% Energy 13.66% Basic Materials 6.48% Asset Allocation
Asset Class Value Cash 4.22% Equity 95.78% Top Securities Holdings / Portfolio
Name Holding Value Quantity Bharat Electronics Ltd (Industrials)
Equity, Since 31 Mar 17 | BEL10% ₹134 Cr 4,338,255 Power Grid Corp Of India Ltd (Utilities)
Equity, Since 28 Feb 22 | POWERGRID8% ₹109 Cr 3,314,683
↑ 1,425,413 State Bank of India (Financial Services)
Equity, Since 28 Feb 21 | SBIN8% ₹105 Cr 1,251,543 Bharat Petroleum Corp Ltd (Energy)
Equity, Since 30 Sep 18 | BPCL6% ₹81 Cr 2,775,528 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 17 | SBILIFE5% ₹67 Cr 465,309 BEML Ltd (Industrials)
Equity, Since 31 Aug 23 | BEML5% ₹65 Cr 152,998 National Aluminium Co Ltd (Basic Materials)
Equity, Since 31 Aug 24 | NATIONALUM5% ₹63 Cr 2,604,332 Oil & Natural Gas Corp Ltd (Energy)
Equity, Since 31 Aug 24 | ONGC5% ₹62 Cr 2,429,688 Hindustan Aeronautics Ltd Ordinary Shares (Industrials)
Equity, Since 31 May 22 | HAL4% ₹59 Cr 130,981 Indian Railway Catering And Tourism Corp Ltd (Industrials)
Equity, Since 30 Apr 24 | IRCTC4% ₹53 Cr 650,971
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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