BUILT FOR · YOUNG PARENTS
For their future.
Without breaking yours.
School fees. Hospital bills. College in 18 years. The list never stops growing.
A wealth system that grows for them, and stays liquid for you, without choosing one over the other.
₹100/day
Per goal
9.99% p.a.*
Emergency credit
Zero
lock in
~15% p.a.*
historical returns
*T&C apply
Why Us
Parenting is expensive. And nobody warned you.
Diapers, medicines, school admission, board coaching, college fees. The math hits different when it's for them.
"School admission: ₹2L. Out of pocket."
Why is your money sitting in a 3% savings account?
"Sudden hospital bill. Broke the FD."
It didn't have to cost you 3 months of interest.
"‘Start a child plan’, multiple options. All vague."
One account. Goal-based. Done.
"I’ll save more after this expense."
There's always another expense. Start anyway.
*Based on 5-year historical returns. Past performance is not indicative of future results.
*T&C apply
Why Most Plans Fail Parents
Built for ideal lives. Not real ones.
THE PARENT TRAP
What everyone tells you
Buy a ‘child plan’ (15-yr lock-in)
Need money for daycare? Tough luck.
Save in FDs. They’re ‘safe.’
6% returns. Inflation eats 7%. You're losing.
Take a personal loan when bills hit
14–42% interest. On top of an emergency.
Break investments for school admission
₹2L gone. Compounding interrupted forever.
Pause everything for one big expense
And then never resume. Sound familiar?
BLINKMONEY
What actually works
Goal-based daily auto-invest
Set ₹150/day for college. Compounds for 18 years.
Zero lock-in, zero penalty
Need it earlier? Withdraw. No drama.
Borrow at 9.99% p.a.* in emergencies
Half of a personal loan. Investments untouched.
School fees from credit line
Pledge portfolio. Pay fees. Don't sell a unit.
Resilient through life's surprises
System bends with you. Doesn't break.
*T&C apply
The Fit
4 ways it works for your family
FOR THEIR EDUCATION
Compound through their childhood
Start at ₹150/day when they're 3. By the time they're 18, you've built ~₹15-20L for college. Quietly. Without picking funds.
15+ years compounding
FOR EMERGENCIES
Hospital bills without panic
Sudden ₹50K medical bill at midnight? Borrow at 9.99% in minutes. No paperwork. SIPs keep running. Investments keep earning.
Cash in minutes
FOR SCHOOL FEES
Annual fees, smartly handled
School fees due in March every year? Pledge against your portfolio for the chunk, repay through the year. Beat the cash crunch without breaking goals.
Zero broken FDs
FOR YOU TOO
Your retirement isn’t optional
Run two daily SIPs, one for them, one for you. Don’t sacrifice your future to fund theirs. They don’t want that bill 30 years from now.
Two goals · One app
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The Forecast
Every milestone has a price tag
Here's what's coming. And how BlinkMoney handles it without breaking what you've built.
AGE 3
₹1.5L / year
Pre-school + first year
Run a daily ₹100 SIP. Costs covered, goal still compounding.
AGE 6
₹2-4L upfront
School admission
Pledge portfolio at 9.99% p.a.* Pay fees. Repay across the year.
AGE 11
₹50K-1L / year
Board coaching + extras
Step-up your SIP. Same auto-invest, slightly bigger habit.
AGE 18
₹15-50L total
College fund
15 years of daily compounding. The goal you started silently.
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Run The Numbers
Their college fees, already growing.
Your child's age today
2 years
Newborn
15 yrs
Daily investment
₹200
₹50
₹1,000
Years to college
16 yrs
You'll invest
₹11.7 L
AT AGE 18 (THEIR COLLEGE FUND)
₹48.8 L
At ~15% p.a.* blended. Plus a credit line of ₹14,600 available for emergencies along the way.
*T&C apply
Real Parents
Parents who chose both, them and themselves
Aditi K.
Mom · Daughter, 4 · Bangalore
“Started ₹200/day for her college fund the day she turned 3. It just runs in the background. Last month her admission fees came up — pledged my portfolio at 9.99% instead of breaking the goal. She didn’t even notice.”
Flexible
Vikram J.
Dad · Son, 7 · Pune
“Hospital bill at 2 AM after my son’s appendicitis. ₹78K. Got the cash from BlinkMoney in minutes — no breaking FDs, no credit card debt at 36%. SIP didn’t pause. That mattered more than I expected.”
Emergency fund
The Sharmas
Parents · Twins, 2 · Hyderabad
“Two SIPs — one for the kids, one for our retirement. We refused to choose. ₹150 each, daily. It’s been 18 months. Both portfolios are at ₹85K+. Quietly building two futures.”
Better than banks
Aditi K.
Mom · Daughter, 4 · Bangalore
“Started ₹200/day for her college fund the day she turned 3. It just runs in the background. Last month her admission fees came up — pledged my portfolio at 9.99% instead of breaking the goal. She didn’t even notice.”
Flexible
Vikram J.
Dad · Son, 7 · Pune
“Hospital bill at 2 AM after my son’s appendicitis. ₹78K. Got the cash from BlinkMoney in minutes — no breaking FDs, no credit card debt at 36%. SIP didn’t pause. That mattered more than I expected.”
Emergency fund
The Sharmas
Parents · Twins, 2 · Hyderabad
“Two SIPs — one for the kids, one for our retirement. We refused to choose. ₹150 each, daily. It’s been 18 months. Both portfolios are at ₹85K+. Quietly building two futures.”
Better than banks
Aditi K.
Mom · Daughter, 4 · Bangalore
“Started ₹200/day for her college fund the day she turned 3. It just runs in the background. Last month her admission fees came up — pledged my portfolio at 9.99% instead of breaking the goal. She didn’t even notice.”
Flexible
Vikram J.
Dad · Son, 7 · Pune
“Hospital bill at 2 AM after my son’s appendicitis. ₹78K. Got the cash from BlinkMoney in minutes — no breaking FDs, no credit card debt at 36%. SIP didn’t pause. That mattered more than I expected.”
Emergency fund
The Sharmas
Parents · Twins, 2 · Hyderabad
“Two SIPs — one for the kids, one for our retirement. We refused to choose. ₹150 each, daily. It’s been 18 months. Both portfolios are at ₹85K+. Quietly building two futures.”
Better than banks
*T&C apply
Your Questions
The stuff parenting blogs don't cover
Both. Run two daily SIPs side-by-side, ₹150 each is fine to start. Skipping your retirement to fund theirs is the most common parenting money mistake. They'll grow up, they'll have their own income. You'll still need yours.
Borrow against your portfolio at 9.99% p.a.* in minutes. No paperwork, no breaking FDs, no credit-card debt at 36%. Your SIP keeps running and your investments keep earning while you repay.
Over 15–18 years, equity has consistently beaten inflation and fixed deposits by a wide margin. BlinkMoney auto-diversifies across equity + FD + gold so the goal stays on track even in down years.
Yes. Pick the goal (college, school admission, foreign studies), set the daily amount, choose the years. We auto-rebalance and show you exactly where you stand each month — no fund picking, no jargon.
Each partner has their own account and goal, but you can both contribute toward shared goals like the child's education. Visibility for both, control for whoever set it up.
Yes. Investing builds wealth, insurance protects it. A term plan for both parents and basic health cover for the family is the floor. BlinkMoney handles the wealth side; insurance is separate but essential.
Still have questions? Just poke our Team
*T&C apply
PARENTS · BOTH-AND
Don't choose between their future and yours
Start two daily SIPs. One for them, one for you. Borrow against your portfolio without selling a single unit when life surprises you. Stay invested through every milestone.
*T&C apply