Turn your care into a concrete plan. With our goal-based child investment options, you can prepare for your child’s education, aspirations, and long-term goals—so they move ahead with confidence while you enjoy worry-free planning.
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Our child-focused plans are structured to support every major milestone in your child’s life.
Provide uninterrupted access to quality school education, textbooks, and activities without financial stress.
Prepare ahead for undergraduate, postgraduate, or specialised courses in India or overseas with a well-planned education corpus.
Support your child with seed capital for business ideas, professional courses, or initial career setup expenses.
Explore the powerful advantages that make our child solutions truly distinctive.
If the policyholder meets with an unfortunate event or disability, all remaining premiums are waived while the plan benefits continue.
Learn moreThis feature ensures that your child’s financial goals stay on track even if you are no longer around to pay. We take over the premium commitment so the planned benefits reach your child as intended.
Opt for lump sum benefits, staggered instalments, or a mix of both, aligned with education fees and other big-ticket expenses.
Learn moreStructure the cash flows in a way that fits your child’s timeline— from school and coaching expenses to university and early career needs.
Get a comprehensive life cover so your child’s plans remain protected, ensuring continuity even in your absence.
Learn moreIn case of an unforeseen event, the policy ensures that the pre-decided benefits keep flowing, helping your child pursue education and goals without disruption.
Receive payouts at key academic stages such as board exams, college admissions, and higher studies to support every learning milestone.
Learn moreThe plan is designed to unlock funds exactly when major education expenses arise, so you are ready for fees, accommodation, and other academic costs.
Grow your investments through market-linked or balanced options to build a sizeable fund for your child’s aspirations.
Learn moreSelect from different strategies—growth-oriented or conservative— to match your risk profile while targeting attractive returns over time.
Enjoy tax deductions on premiums and potential tax-free benefits, helping you save more while you invest for your child.
Learn morePremiums may be eligible for deductions under Section 80C and benefits can qualify for exemptions under Section 10(10D), subject to prevailing tax rules, making your plan more efficient.
The most effective time to begin a child plan is as early as you can, ideally from your child’s birth or early childhood. This gives your investments a longer horizon to compound and grow. Even if you start later—before your child reaches their late teenage years—you can still build a meaningful corpus for higher education and other key milestones.
Child plans are specially structured to safeguard a child’s future. Unlike generic investment products, many child plans include a premium waiver feature—if something happens to the parent, the plan continues without further payments while benefits remain intact. They also offer payouts mapped to education stages and other milestones unique to children’s needs.
Most child plans allow partial withdrawals after a mandatory lock-in period (commonly around 5 years). These withdrawals can be used for important child-related expenses such as school fees or coaching. However, drawing out too much can reduce the final corpus, so it’s wise to use this option only when necessary.
Yes, child plans generally come with attractive tax benefits. Premium payments may qualify for deductions under Section 80C of the Income Tax Act (up to ₹1.5 lakh per financial year). Subject to applicable conditions, maturity amounts and eligible payouts may also be exempt under Section 10(10D), making them tax-efficient tools for planning.
Our plans usually offer a grace window (often around 30 days) during which you can clear the premium without losing coverage. If payments are not made even after this period, the policy may lapse or convert into a paid-up plan with reduced benefits. In many cases, you can revive a lapsed policy within a specified timeframe by paying pending premiums and any applicable charges.
Book a complimentary session with our advisors and build a personalised child investment roadmap.
