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IIM fees future

IIM / MBA — Child Education Calculator

An MBA from a top Indian institute (IIM A/B/C, ISB, XLRI) costs ₹25-35 lakh today (2025). At 9% education inflation, the same MBA in 18 years (when your child is 22-23) will cost approximately ₹1.1-1.5 crore. A ₹15-20K/month SIP from now funds it.

1 years25 years
₹2,00,000₹2,00,00,000

Full 4-year degree or programme

5%12%

Education runs 8–10% — higher than CPI

6%15%
Cost today
₹25.00 L
Cost in year 18
₹1.18 Cr
Monthly SIP needed
₹15.4 K
INSIGHTAt 9% education inflation, a ₹25.00 L programme today will cost ₹1.18 Cr in 18 years. A ₹15.4 K/mo SIP at 12% gets you there. A one-time ₹15.34 L invested today is the alternative.
Education inflation historically outpaces headline CPI. Building a 10–15% buffer over the projected cost is prudent — exchange-rate moves can swing abroad-degree costs sharply.

3 schemes that fit your plan

Matching…

Shortlisted by category, horizon and cost — not a recommendation of the “best” fund. Read scheme documents before investing. Mutual fund investments are subject to market risks.

IIM and top-tier MBA cost evolution

An IIM 2-year MBA cost approximately ₹6 lakh in 2005, ₹25 lakh in 2020, and ₹30-35 lakh in 2025 — a 12-13% CAGR over 20 years. ISB costs are similar to IIMs A/B/C; XLRI clusters slightly lower. International equivalents (INSEAD, LBS) cost USD 100-150K.

MBA programmes inflate faster than undergraduate engineering, in part because of brand premium and competition for the top placements. Plan accordingly — assume the higher end of the inflation band (9-10%) for MBA planning.

MBA is usually self-funded via loan + savings, not parental funding

Most MBA students fund a meaningful portion via education loans, paid back from the (high) post-MBA salary. The parental contribution typically covers 30-60% of the cost. Plan the SIP for the parental share, not the full cost.

If your child is 4-7 years old today, you have 15-18 years of accumulation runway — enough to fund the full cost via a moderate SIP if you start early.

Don't commingle MBA fund with undergrad fund

Undergrad and MBA are separate goals with different timing (undergrad at 18, MBA at 24-26). Keep them in separate folios or separately-tracked SIPs — otherwise you'll deplete the MBA fund for undergrad costs.

Request a callback for an IIM/MBA-funding plan with separate goal earmarking.

Other child education calculator use-cases

Same calculator, different goal defaults.

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Try the same plan from a different angle.

More on child education calculator

Education inflation runs ahead of headline CPI. Set today's fees, India or abroad, to see the bill you will really face — and the monthly SIP that meets it.

Read the full child education calculator guide

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FAQ

How much will an IIT/NIT engineering degree cost in 2040?
At ~9% education inflation, a degree that costs Rs 12 lakh today will cost roughly Rs 44 lakh in 15 years — and private engineering colleges typically run 2–3x that. Plan for the higher band.

How matching works

  1. Enter years to college start. Count from today to the year college begins. Add 1 year buffer for entrance prep and gap.
  2. Estimate today's full course cost. Use the high end of what you'd accept. Easier to over-save than to scramble.
  3. Set an education inflation rate. 9% for India, 8% for abroad (the FX drag is captured separately if you're planning USD).
  4. Pick a return assumption. 12% for a >10 year horizon. Reduce to 10% for shorter horizons that need an early glide path.
  5. Get a goal-mapped plan. Request a callback; we'll set up the SIP and a calendar glide path so you derisk in time.