Best Child Investment Plans 2025 in India: Top 10 investment plans that are best for children

There is no bigger joy than becoming a parent. To see your kids growing bigger each day in front of you makes your life complete. Well, while you find yourself wrapped in the responsibilities of your kids, do not forget to buy the best child plan. Putting your hard-earned money on child investment plans can help them in their future. So, let us take a quick look at some of the best investment plans for the child.

10 Best Child Investment Plans in India – Sum Assured, Entry Age, Maturity Age and Premiums

Plan Name  
Entry Age  
Maturity Age  
Minimum Annualized Premium  
Sum Assured
 
Aditya Birla Sun Life Vision Star Child Plan  
18/55 years  
75 years  
Premium depends on the chosen sum assured amount  
Min- INR 1,00,000 Max- No upper limit
 
Aegon Life Rising Star Child Insurance Plan  
Parent (Life Assured)- 18/48 years

 

Child(Nominee)- 1day, 5 years, 10 years/ 15 years

65 years  
Annual mode- INR 20,000 p.a

 

Other modes- INR 30,000 p.a

Min-< 45 years- Higher of 10x A.P or 0.5 x Policy Term x A.P >or equal to 45 years- Higher of 7x A.P or 0.5 x Policy
Term x A.PMax- < 45 years- 18x A.P >or equal to 45 years- 10x A.P
Bajaj Allianz Young Assurance Child Plan  
18/50 years  
60 years  
N/A  
10 times the annualized premium
 
Bharti AXA Life Child Advantage Plan  
Regular Pay- 18/50 years

 

Limited Pay- 18/55 years

Regular Pay- 71 years Limited

 

Pay- 76 years

N/A  
Min-INR 25,000 Max- No upper limit
 
HDFC SL Youngstar Super Premium Child Plan  
Life option- 18/65 years Life

 

&

Health Option-18/55 years

Life option-75 years Life

 

&

Health Option- 65 years

N/A  
Min-< 45 years- 10x A.P >or equal to 45 years- Higher of 7x A.P
Max- 40xA.P
ICICI Pru Smart Kid’s Regular Premium  
20/54 years  
64 years  
INR 45,000 p.a  
Min-Higher of 10x A.P or 0.5x policy term x A.P

 

Max-No upper limit

Kotak Head start Child Assure Plan  
 
18/60 years  
70 years  
Regular pay- INR 20,000 p.e

 

Limited pay- 5 years PT- INR 50,000 p.a 10

years PT- INR 20,000 p.a.

Min-< 45 years- Higher of 10x A.P or 0.5 x Policy Term x A.P >or equal to 45 years- Higher of 7x A.P or 0.5 x Policy Term x A.P

 

Max- 25xA.P

LIC – New Children’s Money Back Plan  
0/12 years  
25 years  
INR 24,000 p.a  
Min-Rs.1,00,00 Max-no limit
Future Generali Assured Child Education Plan  
21/50 years  
50 years  
INR 20,000 p.a  
As per policy term
Max Life Shiksha Plus Super  
21/50 years  
60/65 years  
5 pay- INR 50,000 p.a.

 

Regular Pay- INR 25,000 p.a

Min- 5 Pay- 10x A.P

 

Regular Pay-10x A.P

Max- No upper limit

Top 5 Child Investment Plans that are Best for Children – An Overview

Investing in plans for children is a smart move that can set them up for financial success in the future. There are several child investment plans available that are specifically designed for children, and each has its own set of benefits. Below are the top 5 child investment plans –

1. Aditya Birla Sun Life Vision Star Child Plan

Aditya Birla Sun Life Vision Star Child Plan is a money-back plan that is also considered one of the best investment plans for a child’s future. During the policy term, you can make periodic payments under this plan. The minimum and maximum entry age of the parents for this plan are 18 years and 55 years, and the maturity age is 75 years. As the plan matures, a terminal bonus and reversionary bonus are paid to the policyholder.

2. Aegon Life Rising Star Child Insurance Plan

If you are considering this plan, you do not need to think twice. In case you pass away during the policy term, the premiums are waived off and the sum assured is offered to the nominee. On surviving through, 20% of the maturity sum assured is offered by the insurer. This is offered at the end of the 12th, and 13th, and 60% of the maturity sum assured are offered at the end of the 14th year. The minimum entry age for this plan is 21 years to 50 years. The maturity age is between 31 years and 72 years.

3. Bajaj Allianz Young Assurance Child Plan

The main reason why you should consider this plan is the inbuilt Accidental Permanent total disability benefit. Under this plan, the minimum entry age is 18 years and the maximum is 50 years. The minimum maturity age is 28 years and the maximum maturity age is 60 years. The terms that are available under this plan are 10, 15, and 20 years.

4. Bharti AXA Life Child Advantage Plan

This plan comes with two options, such as an endowment benefit and a money-back benefit. The policyholder can avail of the inbuilt waiver of premium benefit option. If you pass away within the term of the plan, the insurer will continue to pay the premiums. The parents’ minimum entry age is 18 years and the maximum is 50 years if they choose the Regular Pay option, and for the Limited Pay option, the maximum entry age is 55 years. The premium payment frequency options under this plan are monthly, quarterly, half-yearly, and annually.

5. HDFC SL Youngstar Super Premium Child Plan

This is a united-linked insurance plan and can be considered financial protection for your children. With this plan, you will get two flexible benefit payment choices as Save-n-Gain Benefit and Save Benefit. The four funds offered under this plan are Balanced Fund, Income Fund, Opportunities Fund, and Blue Chip Fund.

Apart from these, there are several other investment plans that you must consider for children. These plans will enable the children to have the kind of financial support that they need for their higher education. You can check out the details of each of the plans and choose the one that suits you the best.

Best Child Investment Plans 2025 India

There is not one but many child plans in India that you can consider. Some of the children's plans that you can consider are Max Life Shiksha Plus Super, Future Generali Assured Child Education Plan, Kotak Head start Child Assure Plan, LIC – New Children’s Money Back Plan, etc.

Some of the best investment plans for girl children are Sukanya Samriddhi Yojana, Unit-Linked Insurance Plan, Children Gift Mutual Fund, National Savings Certificate, etc.

Yes, if you have a boy child, you can choose investment plans such as Kisan Vikas Patra, Post Office Savings Account, Public Provident Fund, etc.

Author Bio

Paybima Team

Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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