🏡Your Dream Home, Fully Funded
Save the down payment. Skip the EMI stress.
A home is likely the biggest cheque you'll ever write. We help you save the 20–25% down payment through goal-based SIPs, choose the right debt/equity mix based on your timeline, and avoid overleveraging so your EMI never exceeds 35–40% of income.
What it takes to get there
Illustrative only, assuming ~11% p.a. equity returns and inflation-adjusted goals. Actuals vary with market conditions.
Milestone by milestone
How we'll approach it
3–5 years: hybrid + short-duration debt. 5–7 years: 60% equity / 40% debt. 7+ years: mostly equity SIPs.
Aim for 25% down payment — it slashes your EMI, saves ₹10–20L in interest, and improves loan approval.
6 months before purchase, shift accumulated corpus to liquid funds so a market dip doesn't derail your plan.
Keep EMI within 35–40% of net income. Prefer floating-rate home loan with prepayment option; use windfalls to prepay principal.
Your starting portfolio
A typical allocation for this goal. We fine-tune it based on your risk profile, timeline and existing investments.
Frequently asked
Should I invest for a down payment or take a bigger loan?
Save at least 20–25% down payment via SIPs. A bigger loan means ₹15–25L extra interest over the tenure, which almost always exceeds market gains on 'invested' money.
Which fund is safest for a 3-year home goal?
Short-duration debt funds and conservative hybrid funds. Equity is too volatile for goals under 5 years — a 2020-style drawdown could delay your purchase.
Should I prepay my home loan or invest?
Compare post-tax loan rate (~7%) vs. expected equity return (~11–12%). Usually SIPs win long-term, but prepay if the loan burden hurts sleep — peace of mind has value.
Ready to start? Let's build your plan.
A free 30-minute conversation on WhatsApp. Bring your goal, timeline and current savings — leave with a clear SIP roadmap.