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The investment that works hardest is the one in your child's name.

See the corpus, the tax bill, and how much you keep by investing in your child's name. Live, with your numbers.

₹
₹500₹1,00,000
Age 5
Age 0Invests until child turns 18Age 17
12%
8%Assumed — not a guarantee18%
Assumptions
  • Child has no other income at 18 — their full basic exemption (₹4L, new regime FY26-27) is available.
  • Returns shown are assumed, not guaranteed — actual returns will vary.
  • Tax laws are as per current Indian income tax rules and may change.
  • All SIP instalments held over 12 months qualify as LTCG; last 12 months qualify as STCG.
  • Parent's ₹1.25L LTCG exemption is already used by their own investments.
  • Child's unused ₹4L basic exemption is applied to STCG first (taxed at 20%, so it saves more there), then any leftover tops up LTCG's own fixed ₹1.25L exemption (Section 198) — up to ₹5.25L shielded in total.
Tax you save in your child's name
₹76,425
On a ₹3,35,69,217 corpus at 18 — you keep ₹3,13,88,690 instead of ₹3,13,12,265
₹1,56,00,000invested
LTCG ₹1,78,25,217STCG ₹1,44,000
₹3,35,69,217corpus at 18
A 2.2× multiple at 12% a year over 13 yrs
What tax does to it
Invested in your name
₹1,79,69,217
₹22,56,952
You keep₹3,13,12,265
Invested in child's name
₹1,79,69,217
₹21,80,527
You keep₹3,13,88,690
Invested in your nameInvested in child's name
₹1,79,69,217₹1,79,69,217
₹22,56,952₹21,80,527
You keep₹3,13,12,265₹3,13,88,690
Investing in your child's name saves ₹76,425 in taxes
What this corpus can fund
Covers 10+ years of college tuition (at ₹3L/yr)
Covers a year of studying abroad
Enough for startup seed capital
(illustrative benchmarks — not financial advice)

Start building it in their name

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All calculations are illustrative. Consult a tax advisor for your specific situation.

Assumptions
  • Child has no other income at 18 — their full basic exemption (₹4L, new regime FY26-27) is available.
  • Returns shown are assumed, not guaranteed — actual returns will vary.
  • Tax laws are as per current Indian income tax rules and may change.
  • All SIP instalments held over 12 months qualify as LTCG; last 12 months qualify as STCG.
  • Parent's ₹1.25L LTCG exemption is already used by their own investments.
  • Child's unused ₹4L basic exemption is applied to STCG first (taxed at 20%, so it saves more there), then any leftover tops up LTCG's own fixed ₹1.25L exemption (Section 198) — up to ₹5.25L shielded in total.

Investing in your child's name can reduce the tax on capital gains. Under current Indian income tax rules, a child with no other income has their own ₹4 lakh basic exemption plus a ₹1.25 lakh LTCG exemption under Section 198 (erstwhile Section 112A), which are not available when the same investment is held in a parent's name. This calculator shows the difference across asset classes.