Build your house down payment with disciplined monthly SIPs. Beat inflation, grow wealth, and own your dream home—faster than you think.
Power of compounding + inflation hedge = the smartest path to down payment corpus.
Equity SIPs historically deliver 12–15% p.a., outpacing real estate price inflation of 6–8%.
Set your down payment target and timeline. Use step-up SIP to increase yearly with your salary hike.
Redeem anytime. Your corpus is accessible exactly when you find the right property.
Auto-increase SIP by 5–10% every year. Accelerate corpus 30% faster without stress.
Find out exactly how much to invest monthly for your target home corpus.
Estimated Corpus at Maturity
*Projections are illustrative. Actual returns vary. Mutual fund investments are subject to market risks.
Compare returns, lock-in, flexibility, and tax benefits at a glance.
| Parameter | SIP (Equity) Best | 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 | None (ELSS: 3 yrs) | Penalty on exit | 15 years | 1–10 years |
| Flexibility | Withdraw anytime | Premature penalty | Partial after 7 yrs | Premature penalty |
| Inflation Hedge | ✅ Strong | ❌ Weak | ⚠️ Moderate | ❌ Weak |
| Tax on Gains | 10% LTCG above ₹1L | Fully taxable | Tax-free at maturity | Fully taxable |
| Min Investment | ₹500/month | ₹100/month | ₹500/year | ₹1,000 |
| Best For | Long-term wealth + down payment | Short-term, low risk | Retirement + child | Low risk, fixed |
From app download to your first SIP – takes under 10 minutes.
Install from Google Play Store or Apple App Store. Free download, no hidden charges.
Download App →Aadhaar + PAN based instant KYC. Takes 2 minutes. No physical document submission needed.
Enter your target down payment (e.g. ₹20 Lakh) and timeline (e.g. 5 years). App shows required monthly SIP instantly.
Auto-increase your SIP by 5–10% every year aligned with your salary hike. Build corpus 30% faster.
Auto-debit SIP runs on your chosen date. Track progress, get insights, and redeem when you find your home.
Choose based on your investment timeline. Risk reduces with longer horizons.
See how your corpus grows year by year with a step-up SIP strategy.
Start SIP at ₹10,000/month. Corpus grows to ~₹2.7L. Enable step-up 10% annually.
Monthly SIP now ₹12,100 with step-up. Total corpus ~₹8.5L. Compounding kicks in.
Corpus reaches ~₹16–18L. Review goal. Optionally shift to hybrid fund to protect gains.
Monthly SIP now ₹19,500. Corpus crosses ₹35–40L. Large cap exposure increased.
Corpus: ~₹60–75 Lakhs. Use as 20–25% down payment on ₹2.5–3 Cr home. Congratulations!
Everything you need to plan, track, and achieve your dream home goal.
Answers to the most common questions from first-time home buyers using SIP.
One step away from your dream home. Paperless, instant, 100% digital.
Join 1 Lakh+ families who are building their home corpus systematically. Your dream is closer than you think.
Regulatory Disclosure: www.sanchaykaro.com is an online website Registered name: Mr. PALLAB ROUTH | AMFI Registered Mutual Fund Distributor | ARN – 301757 | EUIN : E572917 |Date of Registration: 22-07-2024 | Current validity: 15-07-27 |BSE STARMF Member ID: 63447|NSEMF Member ID: 1009479|MSME: UDYAM-WB-12-0123391| 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.
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