The internet was taken aback by finance creator Udayan Adhye’s assertion that raising a single child in a metropolitan area of India could cost Rs 6.75 crore. This claim surfaced in a video posted on Instagram, where Adhye detailed his calculations regarding the long-term expenses associated with parenting in urban India.

At the outset of the video, Adhye stated, “You need Rs 6.75 crores to raise a child in a metro city in India, and if you don’t believe it, let me break down the exact math.” He emphasised that education inflation is a significant factor contributing to this substantial figure, pointing out that many investment plans provide returns around 5 to 6 per cent, while educational costs are increasing at nearly twice that rate.

 

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To highlight his argument, Adhye provided an example: a four-year college programme that currently costs Rs 20 lakh could escalate to between Rs 1.6 crore and Rs 2 crore by the time the child reaches eighteen years of age. This estimate, however, does not encompass only college fees; it also includes a host of additional, recurring expenses that accumulate over roughly two decades.

Breakdown of Long-Term Expenses Presented

In the video, Adhye enumerated various ongoing costs, such as school tuition, coaching classes, sports training, music lessons, gadgets, holidays, childcare, and healthcare. He indicated that these everyday expenses contribute significantly to the overall financial burden over a span of twenty-one years. Furthermore, he remarked that pursuing a postgraduate degree, if chosen, would incur additional costs beyond those already accounted for.

Adhye noted that many families in India either rely on education loans or encourage their children to self-finance such degrees. He concluded this segment by asserting that the decision to raise a child in an Indian metropolitan city extends beyond emotional considerations and involves substantial financial planning. His caption further supported this premise, stating, “Raising a child in an Indian metro is no longer just an emotional decision. It is a serious financial goal.”

The video generated considerable reactions across social media, with viewers sharing a wide range of perspectives. Some individuals found the figure reasonable, particularly for upper-middle-class families in cities such as Bengaluru, Mumbai, and Delhi, where the costs of private schooling and extracurricular activities are notably high.

Public Reactions Reflect Diverse Perspectives

Conversely, others contested Adhye’s calculations, arguing that they represent a privileged urban lifestyle. Many participants in the discussion highlighted that opting for government schools and simpler lifestyle choices could significantly lower the financial demands of parenting.

Ultimately, regardless of agreement on the exact figure presented, the video resonates with many young Indians, who find that the responsibility of parenthood is becoming more closely related to financial strategies than merely emotional preparedness.

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