Vatsalya vs MF SIP for Newborn
Which is better for your child’s future?
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Planning for a Newborn?
Parents often wonder: Should I choose
Vatsalya or Mutual Fund SIP
for my baby’s future?
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Vatsalya Explained
A child-focused
NPS scheme
where parents invest till the child turns 18. Provides balanced growth + security.
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MF SIP Explained
– A
systematic investment plan
in mutual funds. Flexible, starts from as low as ₹100/month. Perfect for wealth creation.
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Investment Amounts
Vatsalya: Fixed contribution rules. SIP: Start small & increase anytime. SIP is more flexible.
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Returns
Caption
– Vatsalya: Market-linked but capped by NPS rules.
– SIP: Higher potential in equity funds.
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Risk & Liquidity
Flexibility Matters
– Vatsalya: Lock-in till 18 years. – SIP: Withdraw anytime.
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Tax Benefits
–
Tax Advantage
– Vatsalya: Extra NPS 80CCD benefit.
– SIP (ELSS): 80C benefit with 3-year lock-in.
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Which One to Choose?
– Vatsalya → Safe & long-term savings.
– SIP → Growth + flexibility.
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Secure Your Child’s Future
Start early, balance safety with growth.
Know more at
Our Finocracy
.
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