Radhika Gupta, who is an asset management professional and the renowned managing director and CEO of Edelweiss Mutual Fund, took the Indian side of social media by storm by a little tweet about the hefty cost of education in the United States. Taking to her personal SNS profile on Thursday, she revisited a months-old post to address her “10 cr education” claims, which left quite a few people on X bewildered.
What Edelweiss Mutual Fund CEO Radhika Gupta said about US education
Back in May, Gupta penned down what she described as “simple” math, while referring to how currency depreciation had significantly raised all fees linked to education in the US.
“I’ve got a bunch of baffled messages about how education can cost 10 cr,” she wrote at the time.
“The math is simple
Current 4 US education: 2.5 cr
Inflation: 5%
Currency depreciation: 4%
Time: 16 years
2.5 * (1.09^16) = 9.9 cr.”
Noting how the inflation’s impact is often underestimated during one’s financial planning when it comes to both education and retirement, she recommended doing the numbers and planning beforehand.
Coming back to the same post she shared in May, Gupta said in her December 4 post that was bombarded with messages about “saving 10 cr. for a US education in 15 years” after her initial post.
Explaining her words, she added in the new post, “One of the prime reasons for factoring in such large costs was currency depreciation. As INR hits 90, multiple folks are writing back to me.”
10 cr education!?
— Radhika Gupta (@iRadhikaGupta) December 4, 2025
I had got a lot of messages around these posts on saving 10 cr. for a US education in 15 years.
One of the prime reasons for factoring in such large costs was currency depreciation. As INR hits 90, multiple folks are writing back to me.
I still maintain I… https://t.co/sNfMDcxq4C
The mutual fund professional affirmed that there was no way of predicting what the future would bring in on the currency front even a year down the line. “It is safe to factor in 2-4% currency depreciation over a long period, given maintaining export competitiveness is important for India,” Gupta went on.
Offering further advice on the matter, she said that while we cannot predict the future, we can prepare for it.
“This is also the reason that some part of the portfolio should be in international assets (including US), especially if you will have expenses abroad,” she pitched. “PS I know a lot of Indian investors cannot invest overseas because of limits being unavailable. Solving that problem via GIFT, very soon with two funds!”
Currency depreciation and US degree cost
Gupta message hit the Internet as the Indian Rupee hit a record low on Wednesday, falling below Rs 90 as opposed to the US dollar.
On the flip side, a US News and World Report rankings of the best universities in the US released earlier this year determined how much it would cost full-time students to study at a top college in the country.
The roster showed that an estimated total of $90,730 would be required for tuition, fees, housing, food, and other expenses at Prince University this year. Similarly, the estimated total cost for a year at Massachusetts Institute of Technology would be $89,340, according to a CNBC report. The numbers for Harvard ranged from $90,426 to $95,426.
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