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Five Best Child Investment Plans to Invest in India

Child Plans

As parents, we all worry about our child's future and education expenses and even try to save money for their wedding. However, parents should go one step forward and consider providing their children with a secure future. Gone are the days when saving for a child's future meant considering money-back plans or ULIPs. If they plan carefully and invest in one of India's top child investment plans, they will be able to accumulate a large sum of money that can be used for their child's future.

What are the benefits of putting money into a Child Investment Plan?

If an individual needs to pay for their child's education and other expenses in the case of an unfortunate event, they need funds, and a basic term protection plan can manage this. Such plans are designed to cover all such costs. In addition, one can choose some of the In addition, one can choose some of the best child investment plans to build a solid foundation for their child's education. Here are a few child investment saving schemes you can consider :

  • PPF : For a variety of reasons, this is the ideal plan to invest in. It's a 15-year scheme in which an individual can build a corpus for his child's education. This plan is tax-free under Section 80C of the Income Tax Act upto Rs. 1.5 lakhs per annum. PPF is an attractive plan to invest in as it helps build a secured future for the child with a lock-in period greater than usual plans. It is a safe and efficient investment that can help secure your child's future.

  • Bharti AXA Life Child Advantage : This flexible and smart investment plan option offers the insurer flexibility to choose between two benefits. One can choose either money back or endowment benefit with this plan. Moreover, one can formulate this plan according to the needs and requirements of their child’s future goals. Additionally, it comes with an added benefit of a built-in premium waiver benefit.

  • Sukanya Samriddhi Plan : It is an advantageous savings scheme, backed by the Government of India, to invest in a child's future and education as it brings in an interest rate of 7.6%. Moreover, it is a tax-free scheme that ensures a secure future for a girl child, as currently covered under section 80c of the Income Tax Act. Sukanya plan is a good plan for children; however, this plan is valid only for girls. So, the next time one plans to invest in a child plan for a girl child, this is the best investment plan.

  • Gold Investment : One of the best ways to secure a child's future is investing in gold, with the biggest advantage being that its rate typically only increases. In the past few years, gold has always been a reliable form of investment. However, when someone plans to invest in gold, it is better to not invest in physical gold. Instead, one can invest in gold ETFs or digital gold as this can reduce the risk of theft. This is a suitable option that can ensure better profit than other asset saving options. When one chooses to buy even a small quantity of gold monthly, they can earn potentially huge profits in just 10 to 15 years.

  • Mutual Funds : Debt mutual funds can also be a good option for individuals who wish to make long-term investments to secure their child’s future. Moreover, they are tax-efficient options under the current tax regime, that generally come with sound returns.

Choosing the Best Child Insurance Plan

While choosing the best child insurance plan, it is important to choose a plan that offers the best interest rates. It is also important to check which plan is tax-free. It is important to choose the best plan that can help secure a child's future.

Summing UP

In conclusion, securing your child's future requires a proactive and informed approach to financial planning. By delving into the world of child investment plans, you not only safeguard your child's dreams but also provide them with the tools to turn those dreams into reality. Explore the options mentioned above, weigh their pros and cons, and embark on a journey to secure your child's financial future with the best investment plans in India. After all, investing in your child today ensures a brighter tomorrow.


Life insurance coverage is available.
Bharti AXA Life Insurance Company Ltd. is the name of the company and Bharti AXA Life Child Advantage is only is the name of the non-linked participating individual life insurance savings plan and does not in any way represent or indicate the quality of the policy or its future prospects. UIN- 130N065V03 For more information on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
*Tax benefits are as per Income Tax Act, 1961, and are subject to any amendments made thereto from time to time.

#For 30 Year Old Male, PT-15, PPT-10, on online purchase of policy excluding underwriting extra premium (if any) & GST.
^From 15th year onwards as 2,49,253 every year for 5 years.

Advt no- II-Sep-2021-3142

Suggested Plans

Bharti AXA Life Smart Invest Guaranteed Plan

  • A Non-Linked, Non-Participating, Life Insurance, Individual Savings Product
  • Guaranteed Financial Returns (Provided policy is in force and all due premiums have been paid)
  • Option to choose from 2 plan variants
  • Flexibility in Policy Term/Premium Payment Terms

Bharti AXA Life Shining Stars

  • Non-linked, non-participating limited pay endowment Life Insurance plan
  • Designed to take care of the financial needs of your child.
  • Flexibility to opt between 2 Maturity Payout Options
  • Flexibility in Policy Term/Premium Payment Terms
  • A great short-term investment option for a child insurance policy.

Bharti AXA Life Flexi Term Pro

  • A Non-linked, Individual, Non-participating Pure Risk Premium Life Insurance policy
  • The plan offers two options: Without Return of Premium and With Return of Premium
  • Under the Without Return of Premium variant, you have the option between Single Life cover or Joint Life Cover i.e., cover for your spouse under the same policy.
  • Flexibility in policy and premium payment terms