Your Child’s Future Is Getting Expensive. Planning Early Makes It Easier
Early planning has become essential for parents who want to keep their child’s ambitions within reach.
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Every year, your child’s dreams grow a little bigger, and so does the cost of turning those dreams into reality. Over the last decade, education expenses in India have risen faster than most household incomes. Government data shows that school and college fees have increased over 150 percent in the past 10 years, far outpacing general inflation. A private undergraduate degree today can cost anywhere between ₹10–25 lakh, and specialised or overseas programmes can go well beyond that.
For most parents, this isn’t just a mere statistic. It shows up in everyday conversations: the rising cost of tuition, entrance prep, extracurricular classes, new technology your child needs for assignments, and the general pressure to stay competitive. Even local coaching classes that once felt affordable have doubled or tripled their fees. And when your child talks about studying in another city or another country, the numbers jump again - accommodation, travel, materials, deposits.
Rising Cost of Education in India
| Education Category | Typical Cost Today (₹) | Estimated Cost in 10 Years (₹) | What’s Driving the Increase |
|---|---|---|---|
| Private Schooling (CBSE/ICSE, metros) | ₹1 – 2.5 lakh/year | ₹2 – 5 lakh/year | Digital infrastructure, activity fees, staff salary |
| Premium / International Schools (IB) | ₹4 – 6 lakh/year | ₹8 – 12 lakh/year | Global curricula, technology integration, premium facilities |
| Professional UG Degree (4-year total) | ₹10 – 25 lakh | ₹20 – 50 lakh | Private-college fees, specialised labs, industry-linked programmes |
| Management Degree (MBA, 2-year total) | ₹15 – 30 lakh | ₹30 – 60 lakh | Rising campus costs, placement-linked expenses, brand premium |
| Overseas UG Programme | ₹25 – 60 lakh | ₹50 lakh – ₹1.2 crore+ | Currency fluctuations, living costs, international tuition hikes |
Why Early Financial Planning Matters for Your Child’s Future
Parents want to support their children’s ambitions, but they’re also dealing with a reality where the “let’s cross that bridge when we come to it” hail Mary no longer works. Savings need time. Predictability matters. And the earlier you start, the easier it becomes to keep pace with the world your child is stepping into.
How Guaranteed Savings Can Help
That’s where a plan built on guaranteed outcomes can make a real difference. HDFC Life Click 2 Achieve is designed for parents who want to stay ahead of rising costs without being pulled into the uncertainty of market swings. It allows you to save consistently over the years while knowing exactly what benefits you’re building toward.
You choose how long you want to save and how you want the money to come back, either as a lump sum during a big milestone, or as staggered payouts during critical academic phases. Since the benefits are guaranteed, you can match the plan to timelines you already worry about: college admissions in five years, specialised courses in seven, or international prep in ten.
There’s also an important layer of protection built into it. The life cover ensures that even if something unexpected happens, your child’s education journey doesn’t have to be interrupted. Their goals can continue, supported by the plan you set in motion.
Think about what your child may need in the coming years: rising school fees, new learning tools, competitive exams, workshops, laptops, mentorship programmes, exchange semesters, internships in other cities. The costs are real, but so is the impact of starting early and planning with clarity.
Small, steady contributions today can grow into the stability your child relies on tomorrow. And in a world where education inflation isn’t slowing down, that stability is one of the most valuable gifts a parent can give.
HDFC Life Click 2 Achieve brings together guaranteed savings, flexible planning, and financial protection, all aimed at helping your child pursue their ambitions with confidence.