{"id":6347,"date":"2024-05-22T07:49:46","date_gmt":"2024-05-22T07:49:46","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=6347"},"modified":"2025-05-29T07:09:36","modified_gmt":"2025-05-29T07:09:36","slug":"child-investment-plans","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/child-investment-plans\/","title":{"rendered":"Child Investment Plans in India: Explore Post Office Schemes, FDs, SIP and More"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#Investment_Plan_for_Child_Future_%E2%80%93_Why_Do_You_Need_One\" >Investment Plan for Child Future &#8211; Why Do You Need One?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#Best_Saving_Scheme_in_India_Exploring_the_8_Post_Office_Schemes_for_Children\" >Best Saving Scheme in India: Exploring the 8 Post Office Schemes for Children&nbsp;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#1_Public_Provident_Fund_PPF\" >1. Public Provident Fund (PPF)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#2_Sukanya_Samriddhi_Yojana_SSY-_Saving_Scheme_for_Girl_Child\" >2. Sukanya Samriddhi Yojana (SSY)- Saving Scheme for Girl Child<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#3_Post_Office_Savings_Account\" >3. Post Office Savings Account<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#Who_Can_Open_Post_Office_Savings_Account\" >Who Can Open Post Office Savings Account<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#4_Post_Office_Monthly_Income_Scheme\" >4. Post Office Monthly Income Scheme<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#5_National_Savings_Recurring_Deposit_Account\" >5. National Savings Recurring Deposit Account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#6_National_Savings_Certificate_NSC\" >6. National Savings Certificate (NSC)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#7_Kisan_Vikas_Patra_KVP\" >7. Kisan Vikas Patra (KVP)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#8_Balika_Samridhi_Yojana\" >8. Balika Samridhi Yojana<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#Benefits_of_Post_Office_Schemes_for_Children\" >Benefits of Post Office Schemes for Children<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#Choose_the_Best_Investment_for_the_New_Baby\" >Choose the Best Investment for the New Baby<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#1_Fixed_Deposits_FD\" >1. Fixed Deposits (FD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#2_Recurring_Deposits_RD\" >2. Recurring Deposits (RD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#3_Systematic_Investment_Plan_SIP\" >3. Systematic Investment Plan (SIP)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#4_Gold\" >4. Gold<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#5_Insurance\" >5. Insurance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#Investment_Strategy_for_Child_Investment_Plans\" >Investment Strategy for Child Investment Plans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#Things_to_Keep_in_Mind_While_Choosing_the_Best_Investment_for_Kids\" >Things to Keep in Mind While Choosing the Best Investment for Kids<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#Documentation_Required_for_Purchasing_Child_Savings_Plans\" >Documentation Required for Purchasing Child Savings Plans<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#Eligibility_Criteria_for_Purchasing_Child_Investment_Plans\" >Eligibility Criteria for Purchasing Child Investment Plans<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/shoonya.com\/blog\/personal-finance\/\">Personal Finance<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\"><strong>Child Investment Plans in India: Explore Post Office Schemes, FDs, SIP and More<\/strong><\/span><\/span><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ever wondered how to make sure your little one has a happy and financially secure future? It&#8217;s not just about saving money; it&#8217;s about making a foundation for both short and long-term money goals. It&#8217;s all about mutual funds, stock trading investments, saving schemes, and special child investment plans in India.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While choosing the best saving scheme in India, striking a balance between growth and stability ensures a solid base. In this pursuit, we bring you a guide that goes beyond just saving \u2013 a simple approach to choosing the best child investment plans in India.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We have shared the latest and best saving schemes in India for children, offered by the post office and banks, to help you choose the best investment for your new baby.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let us start!<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"0-investment-plan-for-child-future-why-do-you-need-one-\"><span class=\"ez-toc-section\" id=\"Investment_Plan_for_Child_Future_%E2%80%93_Why_Do_You_Need_One\"><\/span><strong>Investment Plan for Child Future &#8211; Why Do You Need One?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We all dream big for our little ones, right?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But let&#8217;s face it: with the skyrocketing costs of education, healthcare, and the glam lifestyle they might want, planning is the superhero cape we need.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>So, what&#8217;s the game plan?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Child investment plans \u2013 the path to stress-free parenthood!<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These saving plans aren&#8217;t just about saving money; they&#8217;re your secret weapon to fund your mini-me&#8217;s dreams, whether it&#8217;s jet-setting for education or throwing the grandest wedding in town.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By choosing the best investment plan for child&#8217;s future, you can benefit from stress-free parenthood and also gain some tax advantages.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are various types. You can choose the best investment plan for child&#8217;s future, taking into account your income stream, your risk-taking capability, and expected returns.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Remember, the best investment plan for a child starts with early investing \u2013 the earlier you start, the more you can save for your child&#8217;s future.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-best-saving-scheme-in-india-exploring-the-8-post-office-schemes-for-children-\"><span class=\"ez-toc-section\" id=\"Best_Saving_Scheme_in_India_Exploring_the_8_Post_Office_Schemes_for_Children\"><\/span><strong>Best Saving Scheme in India: Exploring the 8 Post Office Schemes for Children&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We Indians often look at Government schemes as the best investment for kids.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">People consider these investment schemes to be the best child plans for education and marriage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some post office schemes for children with the best investment plans for your child&#8217;s future in India,&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Explore these child investment plans, such as PPF, KVP, NSC, and more, within these post office schemes for children to find the ideal fit for your child.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-1-public-provident-fund-ppf\"><span class=\"ez-toc-section\" id=\"1_Public_Provident_Fund_PPF\"><\/span>1. Public Provident Fund (PPF)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">PPF is one of the best saving plans for children in India, <a href=\"https:\/\/shoonya.com\/blog\/latest-changes-in-the-small-savings-schemes\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">backed by the government<\/mark><\/a>. It offers a high interest rate of 7.1% per annum, along with tax benefits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Opening a 15-year Public Provident Fund (PPF) account is a great move for securing your child&#8217;s future \u2013 the best among the child investment plans in India.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now, why might parents want to consider this<strong> as the best child plan for education and marriage for their kids<\/strong>?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Premium Payment Frequencies<\/strong>: Minimum of \u20b9500 to a maximum of \u20b91,50,000 per annum.<\/li>\n\n\n\n<li><strong>Investment Options<\/strong>: Make deposits lump-sum or in instalments.<\/li>\n\n\n\n<li><strong>Unique Plan Benefits<\/strong>: Tax benefits under Section 80C, guaranteed returns, and tax-free interest.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Imagine starting with just INR 500 \u2013 a small beginning that won\u2019t affect your pocket.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-2-sukanya-samriddhi-yojana-ssy-saving-scheme-for-girl-child\"><span class=\"ez-toc-section\" id=\"2_Sukanya_Samriddhi_Yojana_SSY-_Saving_Scheme_for_Girl_Child\"><\/span>2. Sukanya Samriddhi Yojana (SSY)- Saving Scheme for Girl Child<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Do you have a daughter or a niece who is below 10 years old?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do you want to secure her future and help her achieve her dreams?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">How about another best investment plan for a child&#8217;s future?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SSY is a Saving Scheme for Girl Child, launched by the Government of India in 2015 as part of the Beti Bachao Beti Padhao campaign.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SSY is one of the best saving schemes for girl child, as it offers a high return, low risk, and tax benefits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Also Read- <a href=\"https:\/\/shoonya.com\/blog\/six-investment-options-every-woman-should-know-about\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">6 Essential Investment Options Every Woman Should Explore<\/mark><\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Points of the Saving Scheme for Girl Child<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, why should moms and dads think about choosing Sukanya Samriddhi Yojana for their little girls?<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Premium Payment Frequencies<\/strong>: Minimum of \u20b9250 to a maximum of \u20b91,50,000 per annum.<\/li>\n\n\n\n<li><strong>Investment Options<\/strong>: Make deposits in lump-sum with no limit on the number of deposits in a month or year.<\/li>\n\n\n\n<li><strong>Unique Plan Benefits<\/strong>: Tax benefits under Section 80C, competitive interest rates, tax-free interest. Waiver of premiums available upon account revival after default.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Well, it comes with an 8.2% interest rate every year, something that makes parents really happy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Key Points of the Saving Scheme for Girl Child<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1700\" height=\"2094\" src=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/01\/Sukanya-Samriddhi-Yojana.jpg\" alt=\"Key Points of the Saving Scheme for Girl Child\" class=\"wp-image-6351\"\/><figcaption class=\"wp-element-caption\">Key Points of the Saving Scheme for Girl Child<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-3-post-office-savings-account\"><span class=\"ez-toc-section\" id=\"3_Post_Office_Savings_Account\"><\/span>3. Post Office Savings Account<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Do you want to save money for your child\u2019s future goals and also earn a decent interest rate on your savings without paying any tax?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If yes, then you should consider opening a Post Office Savings Account.:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Premium Payment Frequencies<\/strong>: No specific premium payment frequency; make deposits anytime.<\/li>\n\n\n\n<li><strong>Investment Options<\/strong>: Minimum opening amount of \u20b9500.No, maximum limit on deposits.<\/li>\n\n\n\n<li><strong>Unique Plan Benefits: <\/strong>Offers a competitive interest rate of 4.0% per annum. Nomination is mandatory. Interest credited annually, with interest up to \u20b910,000 exempted from taxable income under Section 80TTA of the Income Tax Act. Waiver of account closure fees if the balance is maintained above \u20b9500.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"5-who-can-open-post-office-savings-account\"><span class=\"ez-toc-section\" id=\"Who_Can_Open_Post_Office_Savings_Account\"><\/span>Who Can Open Post Office Savings Account<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Single adults, two adults jointly, guardians for minors or persons of unsound mind, and minors above 10 years old can open an account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-4-post-office-monthly-income-scheme\"><span class=\"ez-toc-section\" id=\"4_Post_Office_Monthly_Income_Scheme\"><\/span>4. Post Office Monthly Income Scheme<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong><a href=\"https:\/\/shoonya.com\/blog\/post-office-monthly-income-scheme\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Post Office Monthly Income Scheme<\/mark><\/a> (POMIS)<\/strong> is an investment scheme introduced in 1987 and recognised by the Ministry of Finance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Offering a fixed monthly income for 5 years, this is one of the best savings schemes in India.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s not just any child investment plan, but one of the best investments for kids!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>And here&#8217;s the smart move \u2013 parents can tap into the maturity amount to handle their kiddos&#8217; monthly expenses.<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Premium Payment Frequencies<\/strong>: Lump sum investment with a maximum limit of \u20b94.5 lakh for a single account and \u20b99 lakh for a joint account.<\/li>\n\n\n\n<li><strong>Investment Options:<\/strong> Provides a fixed monthly income for 5 years at a competitive interest rate (7.4% as of September 30, 2023).<\/li>\n\n\n\n<li><strong>Unique Child Investment Plan Benefits<\/strong>: Guaranteed monthly income for a specified period. Income is not subject to <strong>TDS (Tax Deducted at Source<\/strong>), and this saving scheme for child education and marriage allows for account transfer between post offices.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">However, it does not provide tax benefits under income tax regulations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"7-5-national-savings-recurring-deposit-account\"><span class=\"ez-toc-section\" id=\"5_National_Savings_Recurring_Deposit_Account\"><\/span>5. National Savings Recurring Deposit Account<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"3000\" height=\"2250\" src=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/04\/Benefits-of-National-Savings-Recurring-Deposit.jpg\" alt=\"Benefits of National Savings Recurring Deposit\n\" class=\"wp-image-7381\"\/><figcaption class=\"wp-element-caption\">Benefits of National Savings Recurring Deposit<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The National Savings Recurring Deposit Account, also known as the 5-Year Post Office Recurring Deposit Account (RD), is a go-to choice among post office schemes for children.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Premium Payment Frequencies<\/strong>: Minimum deposit of \u20b9100 per month or any amount in multiples of \u20b910, with no maximum limit.<\/li>\n\n\n\n<li><strong>Investment Options<\/strong>: Allows opening by a single adult, joint account (up to 3 adults), or a guardian on behalf of a minor or person of unsound mind.<\/li>\n\n\n\n<li><strong>Unique Plan Benefits:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Offers a fixed interest rate of 6.7% per annum (quarterly compounded).<\/li>\n\n\n\n<li>Flexibility in deposit timing based on account opening date.<\/li>\n\n\n\n<li>Advance deposit options are available with rebates.<\/li>\n\n\n\n<li>Loan facility after 12 instalments, up to 50% of the account balance.<\/li>\n\n\n\n<li>Premature closure permitted after 3 years, subject to applicable interest rates.<\/li>\n\n\n\n<li>The maturity period of 5 years, extendable for another 5 years.<\/li>\n\n\n\n<li>Nominee can claim the account balance in case of the account holder&#8217;s demise, with the option for nominees\/legal heirs to continue the account till maturity.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">So, why might parents want to consider this child investment plan account for their kids?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Imagine having a reliable way to save and grow money, with the flexibility to contribute as much as you can each month.<\/em><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"8-6-national-savings-certificate-nsc-\"><span class=\"ez-toc-section\" id=\"6_National_Savings_Certificate_NSC\"><\/span><strong>6. National Savings Certificate (NSC)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Benefits-of-National-Savings-Certificates.jpg\" alt=\"Benefits of National Savings Certificates\" class=\"wp-image-12766\" srcset=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Benefits-of-National-Savings-Certificates.jpg 1200w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Benefits-of-National-Savings-Certificates-300x225.jpg 300w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Benefits-of-National-Savings-Certificates-1024x768.jpg 1024w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Benefits-of-National-Savings-Certificates-768x576.jpg 768w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" \/><figcaption class=\"wp-element-caption\"><strong>Benefits of National Savings Certificates<\/strong><\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The National Savings Certificate (NSC) is a government-backed plan and is one of the other options among the best investments for kids in India.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For the National Savings Certificates (NSC):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Premium Payment Frequencies:<\/strong> Minimum of \u20b91,000 and in multiples of \u20b9100, with no maximum limit.<\/li>\n\n\n\n<li><strong>Investment Options<\/strong>: A single adult, joint account (up to 3 adults), or a guardian on behalf of a minor or person of unsound mind.<\/li>\n\n\n\n<li><strong>Unique Plan Benefits:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Offers a fixed interest rate of 7.7% per annum compounded annually but payable at maturity.<\/li>\n\n\n\n<li>Deposits qualify for deduction under Section 80C of the Income Tax Act.<\/li>\n\n\n\n<li>The maturity period is five years from the date of deposit.<\/li>\n\n\n\n<li>Allows the transfer of the account under certain circumstances like the death of the account holder to nominees\/legal heirs, joint holders, or by court order.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">So, why should parents think about this?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s like a smart and secure investment plan for child&#8217;s future and their big moments.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"9-7-kisan-vikas-patra-kvp-\"><span class=\"ez-toc-section\" id=\"7_Kisan_Vikas_Patra_KVP\"><\/span><strong>7. Kisan Vikas Patra (KVP)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Here is another post office scheme for children- Kisan Vikas Patra (KVP).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is a government-backed plan that works like a magic doubler for your money in just (9 years &amp; 7 months)<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"900\" src=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Benefits-of-Kisan-Vikas-Patra.jpg\" alt=\"Benefits of Kisan Vikas Patra\" class=\"wp-image-12768\" srcset=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Benefits-of-Kisan-Vikas-Patra.jpg 1200w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Benefits-of-Kisan-Vikas-Patra-300x225.jpg 300w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Benefits-of-Kisan-Vikas-Patra-1024x768.jpg 1024w, https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/05\/Benefits-of-Kisan-Vikas-Patra-768x576.jpg 768w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" \/><figcaption class=\"wp-element-caption\">Benefits of Kisan Vikas Patra (KVP)<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Many middle-class families see it as the top pick when it comes to choosing the best investment for new baby among middle-class families.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kisan Vikas Patra (KVP)<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Premium Payment Frequencies<\/strong>: Minimum of \u20b91,000 and in multiples of \u20b9100, with no maximum limit.<\/li>\n\n\n\n<li><strong>Investment Options: <\/strong>Can be opened by a single adult, joint account (up to 3 adults), or a guardian on behalf of a minor or person of unsound mind. Multiple accounts can be opened.<\/li>\n\n\n\n<li><strong>Unique Plan Benefits:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Offers a fixed interest rate of 7.5% per annum compounded annually.<\/li>\n\n\n\n<li>The amount invested doubles in 115 months (9 years and 7 months).<\/li>\n\n\n\n<li>It permits premature closure after 2 years and 6 months from the date of deposit. However, it is subject to specific conditions such as the death of the account holder, court order, or forfeiture by a pledgee.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"10-8-balika-samridhi-yojana\"><span class=\"ez-toc-section\" id=\"8_Balika_Samridhi_Yojana\"><\/span>8. Balika Samridhi Yojana<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the best investments for kids.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is a government-sponsored scheme that provides financial assistance to the girl&#8217;s child and her family.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Balika Samriddhi Yojana, started on October 2, 1997, aims to improve the status of girl children and foster positive changes in family and community perspectives.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>This program includes<\/em><strong><em> support for up to two girls born after August 15, 1997,<\/em><\/strong><em> in families identified as living below the poverty line by the Government of India.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, why is this saving scheme for girl child significant?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s like a caring initiative that supports families in need and ensures that girls have the secure future that they deserve.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"11-benefits-of-post-office-schemes-for-children-\"><span class=\"ez-toc-section\" id=\"Benefits_of_Post_Office_Schemes_for_Children\"><\/span><strong>Benefits of Post Office Schemes for Children<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Post office schemes are popular choices for saving and investing for children in India, offering several advantages:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The government backs the Post office schemes. These offer guaranteed returns and protection.&nbsp;<\/li>\n\n\n\n<li>Post office schemes for children don&#8217;t just play it safe; they play it smart with attractive interest rates&nbsp;<\/li>\n\n\n\n<li>It&#8217;s not just about saving; it&#8217;s about saving smartly. Schemes like PPF, NSC, and SSY come with tax exemptions on the money you put in, the interest it earns, and even the total amount at maturity.<\/li>\n\n\n\n<li>With minimal deposit requirements ranging from Rs. 100 to Rs. 1000, post office schemes are affordable and accessible to everyone.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"12-choose-the-best-investment-for-the-new-baby-\"><span class=\"ez-toc-section\" id=\"Choose_the_Best_Investment_for_the_New_Baby\"><\/span><strong>Choose the Best Investment for the New Baby<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Investing in your baby&#8217;s future is a thoughtful way to secure their financial well-being.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are some simple and effective options you can consider:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"13-1-fixed-deposits-fd-\"><span class=\"ez-toc-section\" id=\"1_Fixed_Deposits_FD\"><\/span><strong>1. Fixed Deposits (FD)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">These are bank deposits that offer a fixed rate of interest for a specified period of time. They are safe and stable but may not offer high returns compared to other investments. You can open an FD in your child&#8217;s name or as a joint account with you as the guardian.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why?&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s safe, but the extra money you get may not be a lot.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"14-2-recurring-deposits-rd-\"><span class=\"ez-toc-section\" id=\"2_Recurring_Deposits_RD\"><\/span><strong>2. Recurring Deposits (RD)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">These are similar to FDs, but you deposit a fixed amount every month for a certain duration. They also offer a fixed rate of interest but may be lower than FDs. They are suitable for saving small amounts regularly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why?&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Good for saving small amounts regularly, and it&#8217;s safe.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"15-3-systematic-investment-plan-sip-\"><span class=\"ez-toc-section\" id=\"3_Systematic_Investment_Plan_SIP\"><\/span><strong>3. Systematic Investment Plan (SIP)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is a way of investing in mutual funds where you invest a fixed amount every month in a chosen fund.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The fund invests in various securities such as stocks, bonds, etc.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investing in equity mutual funds through a Systematic Investment Plan (SIP) is a powerful way to secure a child&#8217;s financial future.<\/li>\n\n\n\n<li>SIPs offer the flexibility of investing small amounts regularly, making it accessible for parents to build wealth over time.<\/li>\n\n\n\n<li>Equity mutual funds offer a potent avenue for securing a child&#8217;s financial future.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">With the option of <a href=\"https:\/\/shoonya.com\/blog\/what-is-sip-and-how-it-works\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Systematic Investment Plans<\/mark><\/a> (SIPs) or lump sum investments, parents can choose their contributions to align with their financial capacity and goals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why?&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It can give you more money over time, but there&#8217;s a bit more risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"16-4-gold-\"><span class=\"ez-toc-section\" id=\"4_Gold\"><\/span><strong>4. Gold<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is a traditional and popular investment option for Indians.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can buy gold in physical form, such as jewellery, coins, bars, etc., or in digital form, such as gold ETFs, gold mutual funds, gold bonds, etc.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing gold as an investment plan for child&#8217;s future can be a stable choice, as gold often maintains its value over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can easily pass down Physical gold, like jewellery or coins.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, it requires secure storage and can have higher transaction costs.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Digital gold <\/strong>allows for easier trading and tracking of current values, and it doesn&#8217;t need physical storage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, it lacks the tangible aspect of physical gold and may be subject to digital risks like hacking.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Why?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It is believed to be the best investment for kids in India, but you need to double-check and buy the physical gold only from reputed jewellers.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"17-5-insurance-\"><span class=\"ez-toc-section\" id=\"5_Insurance\"><\/span><strong>5. Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For a child, the purpose of an insurance policy is to provide financial protection and support for their well-being and future.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The best way to do this is to buy a life insurance plan for your kid.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em><a href=\"https:\/\/shoonya.com\/blog\/top-life-insurance-companies-in-india\/\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">Choose among the top Insurance companies in India!<\/mark><\/a><\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"18-investment-strategy-for-child-investment-plans\"><span class=\"ez-toc-section\" id=\"Investment_Strategy_for_Child_Investment_Plans\"><\/span>Investment Strategy for Child Investment Plans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here are a few strategies you could adopt before choosing the best investment for kids:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Define Clear Goals:<\/strong> Set specific goals. For example, make your child&#8217;s education a priority. Once you have done this, you can easily figure out the amount you can invest in your child\u2019s future, such as retirement or healthcare.<\/li>\n\n\n\n<li><strong>Assess Affordability:<\/strong> Evaluate how much you can save after covering essential expenses like education and healthcare.<\/li>\n\n\n\n<li><strong>Consider Loan Options:<\/strong> Recognize that education can be partially funded through loans. With that, you can ease the burden of saving.<\/li>\n\n\n\n<li><strong>Adjusting Equity Exposure:<\/strong> You must keep a check on equity exposure to protect against market downturns.<\/li>\n\n\n\n<li><strong>Choosing Between Debt and Equity Funds:<\/strong> Determine your risk tolerance and investment horizon when selecting between stable <a href=\"https:\/\/shoonya.com\/blog\/debt-funds\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">debt funds<\/mark><\/a><strong> and growth-oriented equity funds.<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Systematic Investment Plans (SIPs):<\/strong> Understand the benefits of SIPs. They offer flexibility and can align with long-term financial goals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"19-things-to-keep-in-mind-while-choosing-the-best-investment-for-kids-\"><span class=\"ez-toc-section\" id=\"Things_to_Keep_in_Mind_While_Choosing_the_Best_Investment_for_Kids\"><\/span><strong>Things to Keep in Mind While Choosing the Best Investment for Kids<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When investing in your child&#8217;s future, consider these key factors:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Your investment goal influences the type of saving schemes you need.&nbsp;<\/li>\n\n\n\n<li>Choose an investment plan for your kid that suits your budget, offers tax benefits, and be mindful of associated charges.<\/li>\n\n\n\n<li>Spread your investments across different plans and sectors to balance risk and return. You could use a mixed investment strategy.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1950\" height=\"1499\" src=\"https:\/\/shoonya.com\/blog\/wp-content\/uploads\/2024\/01\/Investment-for-Kids-Smart-Strategies-for-a-Secure-Future.jpg\" alt=\"Investment for Kids: Smart Strategies for a Secure Future\" class=\"wp-image-6353\"\/><figcaption class=\"wp-element-caption\">Investment for Kids: Smart Strategies for a Secure Future<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"20-documentation-required-for-purchasing-child-savings-plans-\"><span class=\"ez-toc-section\" id=\"Documentation_Required_for_Purchasing_Child_Savings_Plans\"><\/span><strong>Documentation Required for Purchasing Child Savings Plans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An application form<\/li>\n\n\n\n<li>KYC documents of the parent\/legal guardian (e.g., Aadhaar card, PAN card, passport) to verify identity and address.<\/li>\n\n\n\n<li>Passport-sized photographs of the child and parent\/legal guardian.<\/li>\n\n\n\n<li>Include a proof-of-age document for the child.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"21-eligibility-criteria-for-purchasing-child-investment-plans-\"><span class=\"ez-toc-section\" id=\"Eligibility_Criteria_for_Purchasing_Child_Investment_Plans\"><\/span><strong>Eligibility Criteria for Purchasing Child Investment Plans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For Plans with Child as Insured Person:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The child must be an Indian citizen.<\/li>\n\n\n\n<li>Entry age ranges vary depending on the plan (e.g., from 0 years to a maximum of 60 years)<\/li>\n\n\n\n<li>The parent\/legal guardian must be an Indian citizen.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These requirements and criteria ensure that the child&#8217;s savings and investment plans are accessible and appropriate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"22-conclusion-\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">From government schemes to investing in mutual funds and FDs in bank options, we&#8217;ve simplified the choices.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The future awaits, and with the best child investments in place, you&#8217;re not just securing financial stability; you&#8217;re building a bridge to your child&#8217;s dreams.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember, the key lies in comparison \u2013 weighing the pros and cons, understanding the purpose, and then choosing the best investment for kids that aligns best with your child&#8217;s aspirations.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;Happy planning!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"23-faqs\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1705488569003\"><strong class=\"schema-faq-question\"><strong>How do I plan savings for my child?<\/strong><\/strong> <p class=\"schema-faq-answer\">You can plan savings for your child by choosing a suitable investment option that matches your income stream and the return that you are expecting. Best investments for kids include savings bank accounts, insurance policies, gold, post office savings schemes, PPF accounts, KVP, etc.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1705488581283\"><strong class=\"schema-faq-question\"><strong>How can I save money for my children&#8217;s future<\/strong><\/strong> <p class=\"schema-faq-answer\">You can save money for your children&#8217;s future by setting a budget, tracking your expenses, and investing in child investment plans such as PPFs, FDs, Kisan Vikas Patras, NSCs, etc.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1705488590195\"><strong class=\"schema-faq-question\"><strong>Which is the Best Saving Plan for the Child<\/strong><\/strong> <p class=\"schema-faq-answer\">One of the best saving plans for the child is the Public Provident Fund (PPF), which is a government-backed scheme that offers a high interest rate of 7.1% per annum, tax benefits, and a long maturity period of 15 years. PPF is a safe and secure way to build a corpus for the child&#8217;s future education, health, and marriage.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1705488601235\"><strong class=\"schema-faq-question\"><strong>Which is the Best Investment for Girls<\/strong><\/strong> <p class=\"schema-faq-answer\">Sukanya Samriddhi Yojana (SSY) is a special savings scheme for the girl child. SSY offers a high-interest rate of 8.2% per annum, tax benefits, and a flexible deposit option.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Source- <a href=\"https:\/\/www.india.gov.in\/balika-samriddhi-yojana-ministry-women-and-child-development\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">india.gov.in<\/mark><\/a>, <a href=\"https:\/\/www.indiapost.gov.in\/Financial\/pages\/content\/post-office-saving-schemes.aspx\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#d79b30\" class=\"has-inline-color\">indiapost.gov.in<\/mark><\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">______________________________________________________________________________________<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/shoonya.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><mark 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It&#8217;s not just about saving money; it&#8217;s about making a foundation for both short and long-term money goals. It&#8217;s all about mutual funds, stock trading investments, saving schemes, and special child investment plans in India. While choosing the best &hellip; <a href=\"https:\/\/shoonya.com\/blog\/child-investment-plans\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Child Investment Plans in India: Explore Post Office Schemes, FDs, SIP and More&#8221;<\/span><\/a><\/p>\n","protected":false},"author":16,"featured_media":6349,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[11],"tags":[3051,3052,3053,3050,3054,3048,3049,3055],"class_list":["post-6347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance","tag-best-child-plan-for-education-and-marriage","tag-best-investment-for-kids","tag-best-investment-for-the-new-baby","tag-best-investment-plan-for-child-future","tag-best-saving-scheme-in-india","tag-child-investment-plans","tag-post-office-schemes-for-children","tag-saving-scheme-for-girl-child"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Explore the Best Child Investment Plans in India<\/title>\n<meta name=\"description\" content=\"Discover the best child investment plans in India for a secure future. 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