Not lottery or lifestyle cuts. CA suggests how this one habit can help you save lakhs for your child's future

Every parent carries a quiet fear that rarely gets spoken about aloud. Will today’s income be enough for tomorrow’s dreams? Education costs are rising, expectations are growing, and most families feel stuck between ambition and affordability. What if the answer isn’t a higher salary, risky bets, or painful lifestyle cuts? According to a chartered accountant, the solution lies in a small, steady habit that grows silently with time, turning modest beginnings into a strong financial cushion for a child’s future.

CA Nitin Kaushik recently took to X to highlight a concern he hears from parents almost every day. Many dream of setting aside Rs 50 lakh or more for their child’s education, yet dismiss the idea because they can only manage Rs 5,000 a month. That amount feels insignificant when stacked against big numbers and long-term goals, leading many to delay investing altogether.

Kaushik breaks this mental block with a simple example. A flat SIP of Rs 5,000 continued for 20 years, assuming returns of around 12 per cent, grows to roughly Rs 26 lakh. It is a meaningful sum, but for many families, it still feels short of what higher education might demand in the future.



The real shift, he explains, comes from changing how the SIP grows. Instead of attempting to double investments overnight or stretching budgets uncomfortably, parents can increase their SIP by just Rs 1,000 every year as their income rises. This gradual step-up mirrors career growth and feels manageable over time.

With this one adjustment, the same Rs 5,000 monthly investment compounds into nearly Rs 51 lakh over 20 years. There are no windfalls involved, no risky shortcuts, and no drastic sacrifices. The difference comes purely from consistency and alignment between income growth and investment growth.

According to CA Nitin Kaushik, this is how many ordinary families quietly secure extraordinary outcomes. They do not rely on luck or sudden financial leaps. Instead, they commit to a simple discipline and repeat it year after year, allowing time and compounding to do the heavy lifting.