Oxford-trained financial advisor Udayan Adhye’s viral claim says raising a child in an Indian metro over 21 years can total about Rs 6.75 crore. He points to education inflation and lifestyle costs, factoring in private schools, coaching, healthcare, and vacations. The estimate varies widely with city and spending choices, but it has ignited fierce debate online.
Chartered Accountant Paaras Gangwal estimates that raising a child in India can start with ₹1–4 lakh around birth and rise to about ₹18,000 per month for upbringing. He stresses that disciplined investing, such as a ₹15,000 SIP, can help absorb inflation-driven future costs like higher education and marriage, which can significantly widen the budget gap.
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