Best Child Investment Plans 2025 in India: Top 10 investment plans that are best for children
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There is no bigger joy than becoming a parent. To see your kids growing bigger each day in front of you makes your life complete. Well, while you find yourself wrapped in the responsibilities of your kids, do not forget to buy the best child plan. Putting your hard-earned money on child investment plans can help them in their future. So, let us take a quick look at some of the best investment plans for the child.
10 Best Child Investment Plans in India – Sum Assured, Entry Age, Maturity Age and Premiums
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Parent (Life Assured)- 18/48 years
Child(Nominee)- 1day, 5 years, 10 years/ 15 years |
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Annual mode- INR 20,000 p.a
Other modes- INR 30,000 p.a |
Min-< 45 years- Higher of 10x A.P or 0.5 x Policy Term x A.P >or equal to 45 years- Higher of 7x A.P or 0.5 x Policy Term x A.PMax- < 45 years- 18x A.P >or equal to 45 years- 10x A.P |
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Regular Pay- 18/50 years
Limited Pay- 18/55 years |
Regular Pay- 71 years Limited
Pay- 76 years |
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Life option- 18/65 years Life
& Health Option-18/55 years |
Life option-75 years Life
& Health Option- 65 years |
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Min-< 45 years- 10x A.P >or equal to 45 years- Higher of 7x A.P Max- 40xA.P |
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Regular pay- INR 20,000 p.e
Limited pay- 5 years PT- INR 50,000 p.a 10 years PT- INR 20,000 p.a. |
Min-< 45 years- Higher of 10x A.P or 0.5 x Policy Term x A.P >or equal to 45 years- Higher of 7x A.P or 0.5 x Policy Term x A.P
Max- 25xA.P |
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Min-Rs.1,00,00 Max-no limit | ||||||||||
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5 pay- INR 50,000 p.a.
Regular Pay- INR 25,000 p.a |
Min- 5 Pay- 10x A.P
Regular Pay-10x A.P Max- No upper limit |
Top 5 Child Investment Plans that are Best for Children – An Overview
Investing in plans for children is a smart move that can set them up for financial success in the future. There are several child investment plans available that are specifically designed for children, and each has its own set of benefits. Below are the top 5 child investment plans –
1. Aditya Birla Sun Life Vision Star Child Plan
Aditya Birla Sun Life Vision Star Child Plan is a money-back plan that is also considered one of the best investment plans for a child’s future. During the policy term, you can make periodic payments under this plan. The minimum and maximum entry age of the parents for this plan are 18 years and 55 years, and the maturity age is 75 years. As the plan matures, a terminal bonus and reversionary bonus are paid to the policyholder.
2. Aegon Life Rising Star Child Insurance Plan
If you are considering this plan, you do not need to think twice. In case you pass away during the policy term, the premiums are waived off and the sum assured is offered to the nominee. On surviving through, 20% of the maturity sum assured is offered by the insurer. This is offered at the end of the 12th, and 13th, and 60% of the maturity sum assured are offered at the end of the 14th year. The minimum entry age for this plan is 21 years to 50 years. The maturity age is between 31 years and 72 years.
3. Bajaj Allianz Young Assurance Child Plan
The main reason why you should consider this plan is the inbuilt Accidental Permanent total disability benefit. Under this plan, the minimum entry age is 18 years and the maximum is 50 years. The minimum maturity age is 28 years and the maximum maturity age is 60 years. The terms that are available under this plan are 10, 15, and 20 years.
4. Bharti AXA Life Child Advantage Plan
This plan comes with two options, such as an endowment benefit and a money-back benefit. The policyholder can avail of the inbuilt waiver of premium benefit option. If you pass away within the term of the plan, the insurer will continue to pay the premiums. The parents’ minimum entry age is 18 years and the maximum is 50 years if they choose the Regular Pay option, and for the Limited Pay option, the maximum entry age is 55 years. The premium payment frequency options under this plan are monthly, quarterly, half-yearly, and annually.
5. HDFC SL Youngstar Super Premium Child Plan
This is a united-linked insurance plan and can be considered financial protection for your children. With this plan, you will get two flexible benefit payment choices as Save-n-Gain Benefit and Save Benefit. The four funds offered under this plan are Balanced Fund, Income Fund, Opportunities Fund, and Blue Chip Fund.
Apart from these, there are several other investment plans that you must consider for children. These plans will enable the children to have the kind of financial support that they need for their higher education. You can check out the details of each of the plans and choose the one that suits you the best.
Best Child Investment Plans 2025 India
There is not one but many child plans in India that you can consider. Some of the children's plans that you can consider are Max Life Shiksha Plus Super, Future Generali Assured Child Education Plan, Kotak Head start Child Assure Plan, LIC – New Children’s Money Back Plan, etc.
Some of the best investment plans for girl children are Sukanya Samriddhi Yojana, Unit-Linked Insurance Plan, Children Gift Mutual Fund, National Savings Certificate, etc.
Yes, if you have a boy child, you can choose investment plans such as Kisan Vikas Patra, Post Office Savings Account, Public Provident Fund, etc.
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Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
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As you embrace parenthood and enjoy the bliss of having a child in your life, you also prepare yourself to shoulder some responsibilities of the little one who has just stepped into your world. Buying an all-inclusive child plan is the right decision when it comes to investing in your children’s future.
There is no bigger joy than becoming a parent. To see your kids growing bigger each day in front of you makes your life complete. Well, while you find yourself wrapped in the responsibilities of your kids, do not forget to buy the best child plan. Putting your hard-earned money on child investment plans can help them in their future. So, let us take a quick look at some of the best investment plans for the child.
Guaranteed Return Policies are a popular choice for individuals seeking stable and predictable financial growth. However, policyholders often face challenges related to claims, payouts, policy terms, and unexpected exclusions. Resolving these issues requires expert guidance to ensure policy benefits are fully realised. This is where Paybima's advisors step in, providing a seamless online-offline model where customers can consult experts in person or over a call to address concerns effectively.
Are you concerned about your child’s future due to the rising education costs? Do you want to invest in the best child insurance plans? If so, here are the best child education plans and child’s saving plans for future.
An endowment policy is a true investment instrument that combines the benefit of life coverage with the advantage of return on investment. You can choose the amount of premium you can afford, and the life cover offered is usually ten times the annual premium.
The returns are fixed as they are not linked to the market and can be paid out as a lump sum or at regular intervals for mundane expenses. Premiums can be paid monthly, quarterly and even half-yearly at your convenient frequency.
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