Savings For Children

Give your Child a Promising Future. Just the way they have Dreamed it.

Prepare For The Best

  • The best professional degree courses in India cost up to Rs. 23 lakh*
  • Similar courses abroad can cost signicantly more
  • Premium institutes have the pricing power and ination will take these numbers higher year after year
  • The cost of education should not come as a surprise to you
  • So, prepare for the best, though you may have options to choose from!
  • Save regularly with a goal in mind
  • Finances should not get in the way of your child’s dreams

Goal based Investing towards Child’s Education

Goal Based Investing

  • Targets a specif amount of corpus for your child’s education
  • Money is earmarked for a specic purpose. For instance, investors do not touch PF corpus for buying a car (as the money is earmarked for retirement)
  • Investors tend to rationalize their spending on other personal / social requirements
  • Investing with a goal brings discipline
  • Balances your current aspirations vs future requirements. A sizeable corpus can be built over time
  • Mental Accounting is involved, ensuring long-term holding of investments

Goal Based Investing

  • Savings are kept in a “common savings pool” without any goal in mind
  • Money gets withdrawn from the “common savings pool” for all nancial requirements
  • Tend to overspend on other commitments
  • What is left after spending gets saved
  • What is left out of the “common savings pool” may not be adequate to tackle specic goals like children’s education
  • Investors can get irrational in allocation of funds for various purposes and may resort to premature withdrawals

SIP or Lump Sum?


  • Investments at a predened monthly or quarterly frequency
  • For a salaried individual, the income is monthly and so should be the savings
  • Ideal way to develop a savings habit
  • As the income increases, do SIP Top Up
  • This would inculcate discipline as to spending what is left after saving

Lump Sum

  • Lump sum when you receive large ows like a bonus
  • Ad hoc investments on special occasions like festivals or your child’s birthday

Calculate your Child’s Education Needs

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What our happy client say about our Service

I know Mr. Bhaduri since 2016 and he has been taking care of my financial portfolio since then. I trust his suggestions and have immense faith in his vision. The mobile app is a wonderful dashboard for customers like us. Special thanks to Mr. Kishore who is extremely polite and well behaved and is never tired of providing solutions even if it is beyond his working hours.

Surajit Sarkar
Manager, Tata Steel

The new website and added features are very good . Gives clear picture and insight on portfolio.

Reetin Mitra

The website and the mobile application is very user friendly. Every minute details are very well demonstrated in graphical format which makes user to understand very quickly . Very proud and happy to be part of Finowlish who are always ready to help and guide. Thank you .

Prasant Kumar Mitra
Retired, BCCL

I am a retired Jailor residing in Ranchi. I would like to thank Mr. S.K. Bhaduri Director of Finowlish for his wonderful efforts in doing wealth management for me. I happened to know Mr. S.K. Bhaduri since the year 2000, when he used to guide people on their investments and insurance plans. In all these 13 years he advised me in a quite a numbers of occasions. He had always been such a helping hand for getting my finances in

Md. Shamsuddin
Retired Jailor, Ranchi, Jharkhand

I have invested my entire retirement fund through “Finowlish” about three years back. I am quite happy with the way they have handled my fund. They are sincere, provide various options to investors and also provide expert opinion for the investor to decide. They also provide good post-Investment services. I wish them more success in future".

Nirbhar Neogi
Retired, SAIL

Finowlish is the leading investment advisory house. In my transferable job investing in right products at the right time was very difficult for me. Shaibal Kumar Bhaduri and his dedicated and qualified team made investment joyous for me and helped me to earn good profits by their impeccable advisory services.

Hamid Akhtar
Jail Superintendent, Jharkhand Govt.

I would like to declare that I am satisfied with the guideline prepared by Shaibal Kr. Bhaduri Director of Finowlish and his Team for my financial planning. Comparing to other experts I am glad to say that his recommendation for investment to the selected fund are best at present. In my opinion this type of financial planning is essential and helpful for leading a peaceful life.

Shiva Shankar Mandal
Loco Pilot, Indian Railway

Questions? Get in Touch: +91 - 9973982548