Start a dedicated SIP for dream home buy today. Build your down payment corpus, beat inflation, and make home ownership a reality. Compare SIP vs RD, PPF, and FD. Download Sanchay Karo app to begin.
Power of compounding & inflation hedge – the smartest way to accumulate down payment.
Equity mutual funds have historically delivered 12-15% returns, beating real estate price inflation (6-8%).
Set target down payment & time horizon. Use SIP step-up strategy to increase investment yearly.
No lock-in period. Redeem exactly when you need the down payment or booking amount.
Begin SIP with just ₹500/month. Use SIP top-up to accelerate corpus for a ₹1 crore house.
Compare returns, lock-in, flexibility, and tax benefits.
| Parameter | SIP (Equity) | Recurring Deposit | PPF | Fixed Deposit |
|---|---|---|---|---|
| Expected Returns | 12-15% p.a. | 6-7% p.a. | ~7-7.5% p.a. | 6-7.5% p.a. |
| Lock-in Period | No lock-in (ELSS 3 yrs) | Penalty on premature | 15 years (partial after 7) | 1-10 years (penalty) |
| Flexibility for Down Payment | Withdraw anytime | Premature penalty | Partial after 7 yrs | Premature penalty |
| Tax Benefit (80C) | ELSS only | No | Yes (up to ₹1.5L) | 5-year tax saver FD |
| Best For | Wealth creation & down payment | Short-term, low risk | Retirement + child goal | Low risk, fixed returns |
From downloading app to launching your goal‑based SIP for house purchase.
Use the KYC form below or in-app. Aadhaar + PAN based verification.
Use SIP calculator for dream home inside app. Define target amount (e.g., ₹20 Lakh) and time horizon.
Enable auto step-up (increase SIP by 5-10% every year) to accelerate corpus.
Start with as low as ₹500/month. Increase with salary hikes. Withdraw for down payment.
Estimate monthly SIP required for a ₹1 crore house.
Download App & Use Calculator →One step away from your dream home – paperless KYC.
Get personalized guidance on SIP for dream home buy, step-up strategies, and down payment planning.
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Answers to most common questions about using SIP for house down payment.
For 20% down payment (₹20 lakh) at 12% return, approx ₹24,500/month. Use app calculator.
Saving full price avoids loan interest. Realistic: 20-25% down payment via SIP, rest home loan.
Yes, for 5+ years SIP gives higher returns (12-15%) vs RD (6-7%). For short term, RD safer.
3-5 years: hybrid/balanced advantage funds. 5+ years: large cap or mid cap equity funds.
Yes, mutual fund SIPs have no lock-in (except ELSS). Redeem anytime for down payment.
Increase monthly SIP by fixed % (e.g., 10%) every year to match income growth & inflation.
Systematic Withdrawal Plan generates monthly income from remaining corpus for EMIs/maintenance.
If SIP returns > loan interest, continue SIP. Balance both for peace of mind.
Start with just ₹500 per month. Compounding works even with small amounts.
ELSS SIP offers 80C deduction. Home loan principal & interest have separate tax benefits.
Join thousands of families who achieved their dream home through systematic SIP investing.
Your dream home partner – goal-based SIP, tracking, and withdrawal.
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Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.
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