What is the Medical Degree College 2031 Package?
The Arthgyaan Package is a goal-based SIP strategy to build a fund for medical education, covering tuition fees and other academic expenses.
The Medical Degree College 2031 package is a mutual fund bundle aimed at building a ₹50 lakh corpus (in today’s value) by 2031 to help pay for an undergraduate MBBS/BDS degree. The funds will be used over five and a half years, starting in 2031, to cover admission, tuition, hostel/mess and other expenses.
This plan is for children who are around 12 years old today and will be applying for medical college admission in 2031.
Here is some more information about this package:
| Investment Start year | 2025 |
|---|---|
| Admission Year | 2031 |
| Target amount | ₹50 lakh |
| Present value in 2025 | ₹56.7 lakh |
| Lumpsum amount | ₹2.50 lakh |
| Monthly SIP amount | ₹61,243 |
| Inflation | 8% |
In this package, investment happens for the next 10 years via mutual funds and supports spending for the goal as per the chart below.
Year-wise investment plan
Each row in the table below represents 12 months of investment.
| Year | SIP per month (₹) |
|---|---|
| 2025 | 61,243 |
| 2026 | 64,305 |
| 2027 | 67,521 |
| 2028 | 70,897 |
| 2029 | 74,441 |
| 2030 | 78,164 |
Year-wise expenditure plan
This is a package that supports expenses spread out over multiple years.
Specifically, since this is an MBBS/BDS funding package, the expenses do not happen all at once but throughout 5 and a half years as per the fee payment schedule. Additional customisations in the number of years are possible.
| Year | Amount in ₹lakh |
|---|---|
| 2031 | 17.46 |
| 2032 | 14.57 |
| 2033 | 15.73 |
| 2034 | 16.99 |
| 2035 | 18.35 |
| 2036 | 11.66 |
How does the package work?
The package consists of a bundle of mutual fund investments, supporting both lump-sum and SIP contributions. Fund selection, whether equity, debt, hybrid, or cash is based on an asset allocation strategy suitable for a 6-year goal.
The first aspect of the package is choosing the right funds and their allocation.
The second aspect is risk management, which involves systematically reducing equity exposure as the goal nears and rebalancing whenever the allocation deviates from the target.
Readers curious to understand more should refer to: What is the lifecycle of a goal?
Who should invest in this package?
Investors who wish to follow a structured investment process beyond looking for the best mutual fund or investing via tips will benefit from following goal-based investing.
Arthgyaan Packages are pre-designed mutual fund bundles that enable goal-based investing through fund selection, asset allocation, rebalancing, and risk management. The process is explained in the infographic below:
How to invest in the package?
Please review all the information on this page (including the FAQs below) and then book a meeting by clicking the button at the bottom after the Disclaimer section.
Frequently Asked Questions (FAQs) about the Medical Degree College 2031 Package
Why is the consultation meeting paid?
We believe that a paid meeting provides sufficient commitment from both parties to effectively utilise the meeting time. A single follow-up meeting within 60 calendar days is free.
Is the investment plan guaranteed?
Mutual funds do not provide return guarantees. The package of funds on this page does not provide any guarantee of returns implied or otherwise.
Why should I invest in this package if there are no guarantees?
Historically mutual funds have created wealth for investors. While mutual fund returns are not guaranteed, with proper planning and risk management, there is a higher chance of meeting your investment goals via mutual funds vs. investing in mutual funds without such a plan.
Which is the best mutual fund for investment?
There are 10,000+ mutual funds in India and the ranking of best funds changes daily. So, a much better approach is to create a plan that makes it more likely to reach the purpose of investment instead of looking for best returns. If you wish to learn more about investing without worrying about what the market is doing or which product to invest in next, then choose this Medical Degree College 2031 Package or a similar package.
Read more on this here: Why Chasing Mutual Fund Returns is a Proven Way to Destroy Wealth?
I am uncomfortable with taking too much risk. Should I invest in this package?
Every package can be customised for your risk-taking ability and willingness. One good thing about this package is that as the goal comes closer, your portfolio is automatically moved from risky to less risky funds via rebalancing when we review your progress towards the goal. Also, if you are not comfortable with any particular type of mutual funds, they will be excluded from the portfolio.
What if I wish to invest more or less than ₹61,243 monthly?
The SIP amount of ₹61,243 / month is as per the goal amount of ₹50 lakh. If you invest more or less, the final amount will also differ in the same proportion.
What if my goal amount is more than ₹50 lakh?
You must adjust the SIP amount for the new goal amount. For example, if the goal amount doubles, the SIP amount will also be doubled.
What if I don’t want to invest a lump sum today and start only the SIP?
In such a case, you must invest more than ₹61,243 monthly to reach the same goal.
Can I step up my SIP amount?
By default, we assume 5% step up in the total investment amount year-on-year. If you step up by a higher amount, the goal amount will likely be reached faster or be higher than ₹50 lakh.
Can I invest lump sums any time into the package?
Yes, you can. The amount of corpus you are expected to reach in 2031 will be different (typically more).
Can I stop my SIP anytime?
Yes, you can. The amount of corpus you are expected to reach in 2031 will be different (typically less).
How long do I have to invest?
The package assumes that you will be investing for the next 10 years. If you wish to invest for a shorter period, the amount you must invest starting today will then be higher than ₹61,243 per month.
Is there any insurance plan in this package?
No. However, to ensure that the goal is not disrupted due to the untimely death of the person whose income will be used to invest, they should take additional term insurance of around ₹52 lakh.
Read more on this concept here: Term Insurance Explained: Why You Need It & How Much to Get For Your Financial Goals.
Is any personalised investment advice being provided?
No. In accordance with SEBI regulations, no personalised investment advice is being provided here.
Disclaimer about investing in Mutual Funds
Mutual fund investments are subject to market risks, read all scheme related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of future performance of the schemes. The Mutual Fund is not guaranteeing or assuring any dividend under any of the schemes and the same is subject to the availability and adequacy of distributable surplus. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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This post titled Medical Degree College 2031 Package first appeared on 17 Mar 2025 at https://arthgyaan.com
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