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.
Risk factor: www.sanchaykaro.com is an online website of Mr. Pallab Routh, registered vide ARN-301757 as an AMFI Registered Mutual Fund Distributor | Self-help tool, not advisory. No charges, no return guarantees. Mutual Funds are subject to market risks. Read scheme documents. Past performance may not sustain. Check Exit Loads & TER before investing. We deal only in Regular Plans (we earn trailing commission – disclosed at investment). Direct Plans (lower expense ratio) are available but we do not deal in them.
The Registered name: PALLAB ROUTH | AMFI Registered Mutual Fund Distributor | ARN – 301757 | EUIN : E572917 |Date of Registration: 22-07-2024 | Current validity: 15-07-2027
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