24 Best One -Time Investment Plan for Girl or Boy Child in India 2025
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Planning for your child’s future is crucial, and a one-time investment can be a smart way to secure their education, career, and marriage. In this blog, we explore the 24 best one-time investment plans in India (2025) for both girls and boys. Whether you want high returns, tax benefits, or low-risk options, this guide will help you choose the right investment for your child’s bright future.
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Best One Time Investment Plan for Child 2025, India
Raising a child is not easy at all, especially when inflation is on the rise. This is why you need to start investing as soon as you become a parent. Wondering what plans you can invest your money into? The most sought-after option these days is a one time investment plan for child. Wait! Before you go ahead with the one time investment plan for child, you must however first try to understand what it is. Well, in that case, keep reading to know!
As the name suggests, a one-time investment plan for the child means you pay a lump sum amount one-time through a policy term. Along with the life cover, the money keeps growing. As the child grows, the investment plan will keep supporting the child in each of his or her milestones in life.
Why is a One-Time Investment Plan Important for Your Child?
A one-time investment plan ensures that your child has financial security when they need it the most—whether for higher education, starting a business, or marriage. Unlike recurring investments, a lump-sum investment grows over time with compounding benefits, reducing future financial stress.
Key reasons why a one-time investment is essential:
- Long-term wealth creation
- Avoids the hassle of monthly contributions
- Tax benefits under Section 80C & 10(10D)
- Flexible withdrawal options
- Protection against inflation
By investing early, you give your child a strong financial foundation, ensuring they have the resources to pursue their dreams without financial constraints.
What is the Right Time to Start Investing for Your Children?
The best time to start investing for your child is as early as possible, ideally right after birth. The power of compounding ensures that even a small one-time investment can grow significantly over 15-20 years.
Why Start Early?
- More time for money to grow (e.g., ₹1 lakh invested at 10% for 18 years becomes ₹5.6 lakhs).
- Lower financial burden later in life.
- Flexibility to choose high-return investments (stocks, mutual funds) with time to recover from market fluctuations.
If you haven’t started yet, now is the best time—delaying by just 5 years can reduce returns by 30-40%.
Advantages of a One-Time Investment Plan for Your Child
1. Higher Returns with Compounding
- A one-time investment in equities or mutual funds can grow 5-10x over 15-20 years.
- Example: ₹50,000 in an ELSS fund at 12% return becomes ₹4.8 lakhs in 20 years.
2. Tax Benefits
- Plans like PPF, SSY, NSC, and ULIP offer tax deductions under Section 80C.
- Maturity proceeds are often tax-free.
3. Financial Discipline
- No need to worry about monthly SIPs or missed payments.
- Ideal for parents who prefer a hassle-free investment.
4. Emergency Fund for Child’s Needs
- Can be used for education, medical emergencies, or marriage.
5. Security and Stability
- Ensures financial security for your child's future expenses such as higher education, marriage, and other significant milestones.
3 Things to Consider While Making a One-Time Investment Plan for Your Child
- Investment Horizon: Choose a plan based on your child's age and the time required for maturity.
- Returns and Inflation Adjustment: Consider plans that provide inflation-beating returns to ensure your child's future expenses are met.
- Liquidity and Withdrawal Options: Some plans allow premature withdrawals for emergencies, while others require a lock-in period. Choose based on your needs.
Best One-Time Investment Plans for Child in India (2025)
Investment Plan | Returns (2025) | Lock-in Period | Risk Level | Tax Benefits | ||
Sukanya Samriddhi Yojana (SSY) | 7.6% |
|
Low | 80C | ||
Public Provident Fund (PPF) | 7.1% | 15 years | Low | 80C | ||
National Savings Certificate (NSC) | 6.8% | 5 years | Low | 80C | ||
ELSS Mutual Funds | 10-15% | 3 years | High | 80C | ||
ULIP (Unit Linked Plan) | 8-12% | 5 years | Medium | 80C & 10(10D) | ||
Fixed Deposit (FD) | 6-7.5% | 1-10 years | Low | Taxable | ||
Post Office Monthly Income Scheme (POMIS) | 7.1% | 5 years | Low | Taxable | ||
Sovereign Gold Bonds (SGB) | 2.5% + Gold Appreciation | 8 years | Medium | Tax-free after 8 yrs | ||
Index Mutual Funds | 10-12% |
|
Medium | LTCG tax | ||
LIC Child Plans (Bal Jeevan) | 6-8% | 10-25 years | Low | 10(10D) | ||
Commodity Funds (Silver/Platinum) | 8-15% | None | High | LTCG tax | ||
National Pension System (NPS - Child Account) | 8-10% | Till retirement | Medium | 80C & 80CCD | ||
Real Estate (in child’s name) | 8-12% | Long-term | High | Capital Gains Tax | ||
Recurring Deposit (RD) | 6-7% | 1-10 years | Low | Taxable | ||
Direct Stocks | 12-20% | None | High | LTCG tax | ||
SIP in Mutual Funds | 10-15% | None | High | LTCG tax | ||
Health Insurance for Child | N/A | Yearly | Low | 80D |
Key Milestones in Your Child’s Life That You Need to Plan For
1. School & Higher Education (5-18 Years)
- Estimated cost: ₹10-30 lakhs (for private schools & coaching).
- Best investments: FD, RD, Child Education Plans.
2. College & Professional Degrees (18-25 Years)
- Estimated cost: ₹5-50 lakhs (engineering, medicine, abroad studies).
- Best investments: Mutual Funds, Gold Bonds, ULIPs.
3. Marriage (25-30 Years)
- Estimated cost: ₹10-50 lakhs (depending on lifestyle).
- Best investments: Real Estate, PPF, SGB.
4. Emergency Medical & Career Support
- Critical illnesses or startup funding needs.
- Best investments: Health Insurance, Liquid Funds.

Author Bio
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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