Ideally at birth. Early start leverages compounding. Even small monthly amounts grow significantly over 15‑20 years.

For long term (>10 yrs), equity mutual funds. For medium term, hybrid funds or Sukanya Samriddhi (for girl child).

Typically 8‑10% per year. Costs double every 7‑9 years. Plan accordingly using future value calculation.

Engineering: ₹8‑15L; Medical: ₹20‑50L; MBA (top institutes): ₹20‑30L. Add inflation for future target.

Small savings scheme for girl child with high interest and tax benefits. Can be used for higher education.

Under Section 80E, interest paid on education loan is deductible for up to 8 years. No limit on amount.

Depends on course and institution. For premier institutes (IIMs, IITs), loans up to ₹1.5 Cr are available.

Financial aid based on merit or need, not requiring repayment. Many private and government scholarships exist.

Emergency fund ensures you don’t dip into education savings during crises. Build 6‑month expenses first.

Yes, for short‑term goals (2‑5 years). For longer goals, equity‑based options may be better. See RD & FD calculators.