'Over ₹37,500 on...': This 18th-birthday tax rule can slash your child’s education costs

As higher education costs skyrocket, lakhs of Indian parents find themselves preparing for hefty education loans to secure their children’s future. But in the middle of this financial pressure, there’s a powerful, almost unknown tax strategy that could lighten the load long before a bank loan ever becomes necessary.

In a viral post on X (formerly Twitter), Sharan Hegde, finfluencer and entrepreneur, revealed how most Indian parents unknowingly lose ₹37,500 or more in taxes while saving for their child’s education — a loss that can be avoided with one simple investing shift. Advertisement

Hegde wrote, “Most Indian parents lose ₹37,500+ in taxes on their kids' education funds. Here's the tax hack wealthy families use but no one talks about.”

His thread breaks down the psychology of Indi