Mother's Day 2025: Gifting Ideas Beyond Traditional Presents

Mother's Day, this year, falls on May 11. Instead of flowers, clothes, and jewellery, there are gifts that promise long-term monetary value. Varying from starting a mutual fund SIP to gifting a health insurance plan, these items attempt to enable mothers financially and secure their financial future. Here are some interesting Mother's Day gift ideas which are above the norms:

Mutual Fund SIPs

Opening a Systematic Investment Plan, or SIP, in mutual funds can be an effective method to help your mother accumulate wealth. Regular monthly investment of a fixed amount will provide her with returns compounded over the years. Some equity mutual funds have delivered returns of more than 30 per cent per annum in recent years. Monthly investing of small sums can help significantly increase in a noticeable way, resulting in long-term financial security and independence.

Health Insurance

Gifting a health insurance policy to your mother will ensure she is secured with regard to medical costs. Total health insurance coverage in India costs between Rs 15,000 to Rs 20,000 per year, depending on the sum insured and the age of the policyholder. The policy will take care of the hospital bills, surgeries, and other treatments and keep the financial stress at bay during health emergencies.

Fixed Deposits

Fixed Deposits is a risk-free investment scheme, especially for risk-averse individuals. Indian banks offer fixed deposit interest rates ranging from 6.00 per cent to 7.50 per cent to common citizens as of 2025. Senior citizens typically receive an additional 0.50 per cent interest. A fixed deposit investment can provide your mother with regular income or a lump sum at maturity, which can benefit her financial planning.

Public Provident Fund

Public Provident Fund, or PPF, is a government scheme for savings with a 7.10 per cent interest rate per annum, compounded annually. It has a 15-year lock-in to save in the long term. Up to Rs 1,50,000 annual contribution is exempt from tax under Section 80C, if chosen the old tax regime, making it a tax-saving investment for your mother.

Emergency Fund

Building up an emergency fund can provide your mother with a buffer of funds in case of unexpected situations. A habit suggested is to save 3 to 6 months of living costs. The money can be kept in a high-interest savings account or a liquid mutual fund so that it is within handy reach when needed. It is an unspoken but powerful demonstration of support.

Digital Financial Literacy and Budgeting Tools

Introducing your mom to financial digital tools will better prepare her financially and make her more independent. Applications such as Walnut, Goodbudget, and Money Manager allow users to track spending and establish monthly budgets with ease. Other websites provide a learning module on topics such as tax preparation, mutual fund investing, and saving for retirement. Your present can provide her with access to a paid module on financial planning or a budgeting program that can help her make good money choices.

Purposeful Cash Gifts

To contribute a part of the money for certain specific financial needs can be really significant. Save Rs 25,000 to start a retirement corpus or fund a skill development course, for instance, can yield money as well as personal growth. Parents generally consider family requirements prior to their personal ones. A cash gift with a focus on her own aims can be an encouraging step towards her independence.

This Mother's Day, opt for a considerate selection of presents that give lasting worth and economic stability. Between the alternatives like mutual fund SIPs, medical insurance, or a PPF account, not only are you honouring your mom but also contributing to her well-being financially. These thoughtful gifts have the power to transform one's life and create peace and independence of mind for many years to come.