Overview of India’s Education System + How Dogpay Supports Education Expenses

India is undergoing an education transformation—with policies like NEP 2020 shaping more flexible, accessible, and skills-oriented schooling. Yet disparities in quality and cost remain realities for m...

1. Structure of School & Higher Education

• Preschool and Primary Levels: Children often begin pre-school around age 3, with formal, compulsory elementary school starting at age 6. Primary school typically covers Grades 1 through 5.  

• Secondary Schooling: After primary, students move to middle school (Grades 6-8), then senior secondary (10-12). Streams like science, commerce, and arts become options at the higher secondary level.  

• Higher Education: Includes universities, colleges, technical and professional institutions. Regulatory and quality oversight by bodies like UGC and NAAC ensures academic standards. Both public (government) and private institutions operate.  

2. Key Policy Reforms

• National Education Policy 2020 (NEP 2020): Introduces a 5-3-3-4 educational model instead of the old 10+2 structure. Emphasizes critical thinking, flexibility, multiple entry/exit points in higher education, and alignment with skills and vocational training.  

• PM-SHRI Schools Scheme: Seeks to elevate quality in thousands of exemplar schools via improvements in infrastructure, digital classrooms, library facilities, environmental sustainability, and industry-linked learning.  

3. Challenges & Inequal Opportunities

• High Teacher-Student Ratios: Particularly in primary education, large class sizes strain teachers and reduce individual attention.  

• Urban vs Rural Disparities: Schools in metropolitan and well-resourced states outperform those in remote or underfunded rural areas, in terms of facilities, teacher quality, and student outcomes.  

• Cost of Private Education: Private and international schools can be expensive, with fees significantly exceeding those of public schools. For expatriate families or those seeking private schooling, this translates into a major financial commitment.  

4. Dogpay: Making Education Payments Simpler for Families

Use CaseCommon ProblemHow Dogpay HelpsPaying private or international school feesSlow international banking, high fees and poor FX ratesInstant multi-currency payments, zero conversion fees, transparencyMeeting costs of books, tuition, extracurricularsMultiple small payments to different vendorsAuto-categorized billing + exportable reports to track easilyPaying for school supplies or tripsCross-border purchases, currency conversion troubleFast settlement + stablecoin backup ensures smooth processingBudget planning & tracking yearly education costsFragmented records, difficulty in consolidating expensesClear transaction logs help families plan and review finances

Final Thoughts

India is undergoing an education transformation—with policies like NEP 2020 shaping more flexible, accessible, and skills-oriented schooling. Yet disparities in quality and cost remain realities for many families. Leveraging Dogpay, education-related payments—from tuition to extra-curricular fees—can be managed efficiently and transparently, helping families focus on learning, not financial friction.