Invest in your child's education — ₹21/day in gold, starting today
Education costs in India double every 7–10 years. Gold has historically kept up. Start a daily gold savings habit now — even ₹21/day builds something real over 10 years.
Start Saving — ₹21/dayHow much will you save for your child's education?
At today's gold prices (~₹7,500/gram). Actual returns depend on gold prices at the time you withdraw.
| Daily amount | In 5 years | In 10 years | In 15 years |
|---|---|---|---|
| ₹21/day | ~₹38,000 invested ~5g gold |
~₹77,000 invested ~10g gold |
~₹1.15L invested ~15g gold |
| ₹100/day | ~₹1.82L invested ~24g gold |
~₹3.65L invested ~48g gold |
~₹5.47L invested ~73g gold |
| ₹200/day | ~₹3.65L invested ~48g gold |
~₹7.30L invested ~97g gold |
~₹10.9L invested ~146g gold |
Investment values shown. Gold prices change — actual value at withdrawal will differ. Use our Gold SIP Calculator for a more detailed projection.
Why gold is a good part of an education savings plan
Education costs keep rising
Engineering, medicine, and professional education in India have been rising 10–15% per year. Gold has historically tracked or exceeded this over long periods, making it a natural hedge.
Small amounts add up
₹21/day feels small. But ₹21 × 365 days × 10 years = ₹76,650 invested — before any price appreciation. The power is in the habit, not the amount.
Start before you think you need to
The best time to start an education fund is when your child is born. The second best time is today. The earlier you start, the more years of habit-building you have.
Flexible — not locked away
Unlike LIC endowment plans or PPF, Pyllar has no lock-in. You can withdraw anytime. If education plans change, your savings adapt with you.
Safe, regulated, and simple
How Pyllar works for education savings
- Download the app and complete KYC (5 minutes)
- Set your daily gold investment — minimum ₹21/day
- UPI AutoPay deducts and invests every day automatically
- Track gold grams accumulating in the app
- Increase your daily amount as your income grows
- Withdraw when needed — 2–3 working days to bank
Fully regulated and transparent
SEBI-regulated gold mutual funds
Your money is invested in gold mutual funds managed by Aditya Birla Sun Life and Nippon India Mutual Fund — two of India's most established AMCs. Regulated by SEBI.
No lock-in — unlike LIC or PPF
Traditional endowment plans lock your money for 15–20 years with surrender charges. Pyllar has no lock-in. Your savings are accessible whenever your child needs them.
Questions about education savings
Savings accounts typically offer 3–4% interest. Education inflation in India is 10–15% per year. Gold has historically risen at higher rates than savings account interest over long periods. For a goal 10–15 years away, gold (alongside equity) is generally considered a stronger hedge against rising education costs than a savings account alone.
Both have a role. Equity mutual funds typically offer higher returns over long periods but with more volatility. Gold is more stable and acts as a portfolio balancer. A common approach: equity for the primary education corpus (higher potential growth), gold as a stable backup. Pyllar makes the gold SIP easy — you can run both simultaneously. Speak with a financial advisor for personalised advice.
Yes. No lock-in, no surrender charges. If plans change — if your child gets a scholarship, changes streams, or if you have an emergency — you can withdraw your Pyllar savings anytime. Money reaches your bank in 2–3 working days.
Give your child a head start — one day at a time
₹21/day. SEBI-regulated gold. No lock-in. The habit you build today becomes your child's opportunity tomorrow.
Start Education Fund — ₹21/day →More goal-based savings with Pyllar