1Can I claim my child's school fees for tax?
Yes — tuition fees for up to two children qualify under Section 80C , within the Rs 1,50,000 limit, in the old regime. It's a recurring benefit many parents forget to claim.
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ArticleBecoming a parent adds new, child-linked tax benefits to your planning — from school fees to dedicated savings schemes. Here's how new parents can save tax while building for their child's future.
Reviewed by CA Harika Chebolu, FCA · Last updated 2026-06-13
Quick answer
A new child brings tuition deductions, Sukanya Samriddhi for a daughter, health-cover and savings options. Here's how new parents save tax.
Tuition fees paid for your children's education (up to two children) qualify under Section 80C, within the Rs 1,50,000 limit, in the old regime. As your child starts school, these fees become a real, recurring 80C component you might otherwise overlook.
If you have a daughter, the Sukanya Samriddhi Yojana is fully tax-free (EEE) and qualifies under 80C — combining attractive, safe returns with a deduction. It's one of the most tax-efficient ways to save for a daughter's future.
Including your child in your health policy increases your cover and the premium qualifies under 80D (within your Rs 25,000 family limit, plus up to Rs 50,000 for senior parents). It protects the family and trims your tax together.
Investments in a minor child's name have their income generally clubbed with the higher-earning parent's, within a small exemption. Knowing this helps you place savings sensibly — Sukanya Samriddhi and PPF are tax-efficient routes that avoid the clubbing drag.
A new child often means new deductions (tuition, more 80C usage, higher insurance), which can tilt the old-versus-new regime decision. Re-run the comparison, and make sure your growing set of deductions is fully claimed.
Yes — tuition fees for up to two children qualify under Section 80C , within the Rs 1,50,000 limit, in the old regime. It's a recurring benefit many parents forget to claim.
The Sukanya Samriddhi Yojana — fully tax-free (EEE) and 80C-eligible , combining safe, attractive returns with a deduction. It's among the most tax-efficient ways to save for a daughter.
Generally it's clubbed with the higher-earning parent's income, beyond a small exemption. Tax-free routes like Sukanya Samriddhi and PPF avoid this clubbing drag.
Just had a baby? Write to the firm and we'll add every child-linked benefit to your tax plan.