SIP for Buying House

Systematic Investment Plan (SIP) is a great way to save money if your goal is to buy a house. By investing a fixed amount every month in mutual funds, you can build a good amount over time. Regular investments and the power of compounding can help you achieve your goal of buying a house faster and more easily.

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Best SIP Funds

Tax Saving FundsLarge Cap Low Return FundsMid Cap Mid Return FundsMulti CapDebt FundsShariah FundsBalanced Funds
Payment Mode
Invest
₹ 10,000
Invest for
AUM (Cr)

₹11,852

NAV

₹168.79

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.47 20.42 18.26 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,206

NAV

₹69.53

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.38 16.77 15.36 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,581

NAV

₹70.94

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.63 15.51 15.27 %

View Fund
Instant tax receipt
AUM (Cr)

₹34,475

NAV

₹78.21

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.33 15.86 14.73 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,492

NAV

₹81.36

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.42 14.22 14.42 %

View Fund
Instant tax receipt
AUM (Cr)

₹422

NAV

₹66.4

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.69 13.12 14.21 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,838

NAV

₹67.31

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.95 14.35 14.01 %

View Fund
Instant tax receipt
AUM (Cr)

₹206

NAV

₹47.1

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.51 13.98 13.65 %

View Fund
Instant tax receipt
AUM (Cr)

₹136

NAV

₹54.1

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.49 13.55 13.43 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,452

NAV

₹39.98

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.41 12.28 13.33 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,206

NAV

₹69.53

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.38 16.77 15.36 %

View Fund
AUM (Cr)

₹2,581

NAV

₹70.94

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.63 15.51 15.27 %

View Fund
AUM (Cr)

₹422

NAV

₹66.4

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.69 13.12 14.21 %

View Fund
AUM (Cr)

₹4,838

NAV

₹67.31

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.95 14.35 14.01 %

View Fund
AUM (Cr)

₹206

NAV

₹47.1

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.51 13.98 13.65 %

View Fund
AUM (Cr)

₹136

NAV

₹54.1

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.49 13.55 13.43 %

View Fund
AUM (Cr)

₹3,452

NAV

₹39.98

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.41 12.28 13.33 %

View Fund
AUM (Cr)

₹7,369

NAV

₹148.38

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.4 13.58 13.18 %

View Fund
AUM (Cr)

₹3,154

NAV

₹68.07

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 11.39 13.32 13.03 %

View Fund
AUM (Cr)

₹77,698

NAV

₹189.22

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9.41 10.8 11.42 %

View Fund
AUM (Cr)

₹11,852

NAV

₹168.79

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 18.47 20.42 18.26 %

View Fund
AUM (Cr)

₹34,475

NAV

₹78.21

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.33 15.86 14.73 %

View Fund
AUM (Cr)

₹5,492

NAV

₹81.36

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.42 14.22 14.42 %

View Fund
AUM (Cr)

₹10,579

NAV

₹64.84

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 21 21.36 22 %

View Fund
AUM (Cr)

₹13,736

NAV

₹120.08

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 20.1 22.14 19.11 %

View Fund
AUM (Cr)

₹1,042

NAV

₹72.93

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.63 14.56 15 %

View Fund
AUM (Cr)

₹13,101

NAV

₹68.98

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.07 13.46 13.28 %

View Fund
AUM (Cr)

₹1,050

NAV

₹53.21

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 12.27 12.84 12.69 %

View Fund
AUM (Cr)

₹3,457

NAV

₹58.81

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 13.3 12.8 12.6 %

View Fund
AUM (Cr)

₹498

NAV

₹55.85

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 10.04 11.59 11.37 %

View Fund
AUM (Cr)

₹224

NAV

₹27.06

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.91 9.08 10.12 %

View Fund
AUM (Cr)

₹847

NAV

₹41.1

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.49 6.83 7.22 %

View Fund
AUM (Cr)

₹532

NAV

₹38.49

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.08 6.76 6.92 %

View Fund
AUM (Cr)

₹131

NAV

₹30.28

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.81 6.58 6.82 %

View Fund
AUM (Cr)

₹72

NAV

₹41.61

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.31 6.43 6.76 %

View Fund
AUM (Cr)

₹91

NAV

₹39.24

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.04 6.43 6.53 %

View Fund
AUM (Cr)

₹166

NAV

₹47.14

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 4.49 5.91 6.52 %

View Fund
AUM (Cr)

₹16,641

NAV

₹50.18

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.08 6.22 6.52 %

View Fund
AUM (Cr)

₹1,080

NAV

₹46.96

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.47 6.28 6.49 %

View Fund
AUM (Cr)

₹1,623

NAV

₹43.92

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 5.16 5.98 6.38 %

View Fund
AUM (Cr)

₹896

NAV

₹100.9

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 14.55 16.07 15.47 %

View Fund
AUM (Cr)

₹348

NAV

₹47.18

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 9 10.15 10.23 %

View Fund
AUM (Cr)

₹4,753

NAV

₹38.97

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.89 9.16 9.88 %

View Fund
AUM (Cr)

₹62

NAV

₹59.81

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.91 8.9 9.84 %

View Fund
AUM (Cr)

₹438

NAV

₹101.53

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.77 8.99 9.75 %

View Fund
AUM (Cr)

₹765

NAV

₹38.74

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.43 9.36 9.53 %

View Fund
AUM (Cr)

₹20,171

NAV

₹70.84

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.26 8.77 9.51 %

View Fund
AUM (Cr)

₹6,428

NAV

₹106.62

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.78 8.99 9.38 %

View Fund
AUM (Cr)

₹260

NAV

₹30.3

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 7.87 8.84 9.28 %

View Fund
AUM (Cr)

₹1,682

NAV

₹42.94

Estimated Value

₹

After 5 years After 7 years After 10 years
Returns (p.a.)

+ 8.97 9.35 9.23 %

View Fund
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What is SIP for Buying House?

A SIP for buying a house allows you to invest a fixed amount regularly in mutual funds to accumulate the necessary funds for purchasing a home. By investing consistently through a Systematic Investment Plan (SIP) over time, you benefit from the power of compounding and market growth. This approach helps you save for a down payment or the full cost of the house, reducing the need for large lump sum investments. It also spreads risk and allows you to invest based on your financial capacity.

How to Start a SIP for Buying House?

Follow the steps mentioned below to start a SIP for buying a house:

  • <pSet Your Goal: Determine the amount you need for the down payment or other housing expenses and set a target timeline.

  • Choose the Right Fund: Select a mutual fund that suits your risk profile—equity funds for higher returns or debt funds for lower risk.

  • Decide the SIP Amount: Based on your goal and timeline, decide how much you can comfortably invest monthly.

  • Select a Fund House: Research and choose a reliable fund house or platform that offers SIP investment options, especially when exploring the best SIP plans.

  • Complete KYC: Complete your Know Your Customer (KYC) process through the fund house or an investment platform.

  • Start the SIP: Set up the SIP through the chosen platform or fund house, and link it to your bank account for automatic deductions.

SIP Calculator

I want to invest Pro Tip
Financial experts suggest that a person should invest 10-15% of their monthly income for long-term financial growth
/Month
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
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Total Wealth ₹1.03 Cr
View Plans
I want to save
I want to invest for Pro Tip
Financial experts suggest that individuals should ideally invest for a period of 5 to 10 years, or even longer, to maximize the benefits of compounding and navigate market fluctuations effectively
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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Monthly Investment ₹22.4 L
View Plans
Top Funds with High Returns (Past 7 Years)
Equity Pension
12.43%
Equity Pension
Opportunities Fund
14.73%
Opportunities Fund
High Growth Fund
19.11%
High Growth Fund
Opportunities Fund
12.6%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.42%
Accelerator Mid-Cap Fund II
Multiplier
16.32%
Multiplier
Frontline Equity Fund
14.01%
Frontline Equity Fund
Virtue II
15.36%
Virtue II
Equity II Fund
10.36%
Equity II Fund
Blue-Chip Equity Fund
10.23%
Blue-Chip Equity Fund
Global Equity Growth Fund
16.13%
Global Equity Growth Fund
Growth Opportunities Plus Fund
15%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.37%
Equity Top 250 Fund
Future Apex Fund
13.43%
Future Apex Fund
Pension Dynamic Equity Fund
11.14%
Pension Dynamic Equity Fund
Accelerator Fund
13.65%
Accelerator Fund

SIP Calculator to Estimate Investment Amount for Buying House

An SIP Calculator helps you estimate how much you need to invest regularly to buy a house in the future. By inserting details like your target amount, expected return, and investment duration, the calculator gives you an idea of how much you need to invest monthly. This tool helps in planning your finances efficiently and ensures that you stay on track to buy your dream house.

  • SIP Calculator for House Fund: Select "I Know My Goal Amount" option in the calculator.

    • House Fund Estimate: ₹50,00,000

    • Investment Duration: 15 years

    • Expected Return: 15% annually.

  • SIP Calculator Results: The calculator will show the following results-

    • Monthly Investment Required: ₹8,110

    • Total Investment: ₹14,60,000

    • Amount Required: ₹50,00,000

    • Wealth Gained from SIP: ₹35,40,000

SIP Plans
5 Years
SIP Plans
7 Years
SIP Plans
10 Years
SIP Plans
12 Years
SIP Plans
15 Years
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20 Years
SIP Plans

Points to Consider Before Investing in SIP for Buying House

Before you start investing in a SIP plan to buy a house, you should consider the following points:

  • Investment Horizon: Plan for a long-term investment (5-10 years) to match your home-buying goal.

  • Amount Required: Estimate the amount you will need for the down payment and other costs of buying a house.

  • Risk Profile: Understand your risk tolerance. Equity SIPs are riskier but have higher potential returns, while debt SIPs are safer.

  • Returns Expectation: Equity SIPs generally provide better returns, but remember, past performance does not guarantee future returns.

  • Liquidity Needs: SIPs are not easy to withdraw quickly. Keep some emergency funds separate from your SIP investments.

  • Tax Benefits: If you invest in ELSS SIPs, you can get tax deductions under Section 80C of the Income Tax Act.

  • Discipline: Stick to a fixed monthly investment. Consistency is important for long-term growth.

  • Market Timing: Don’t try to time the market. Regular investments over time help reduce the impact of market volatility.

  • Inflation Impact: Keep inflation in mind while planning your SIP to ensure your savings grow enough to meet future costs.

Start Small & Build Your Wealth For A Brighter Tomorrow Start Small & Build Your Wealth For A Brighter Tomorrow

Key Benefits of Investing in SIP for Buying House

You get the following key benefits by investing in a SIP for house purchasing:

  • Affordable Investment: SIPs allow you to invest small amounts regularly, making it easier to save for a house over time.

  • Power of Compounding: Regular investments grow through compounding, helping you accumulate a significant corpus for your home.

  • Rupee Cost Averaging: SIPs reduce the impact of market fluctuations by averaging the cost of your investments over time.

  • Tax Savings: ELSS SIPs offer tax benefits under Section 80C, helping you save on taxes while investing for your home.

  • Disciplined Savings: SIPs promote a disciplined approach to saving, ensuring you stay consistent with your investment goals.

  • Flexibility: You can adjust your SIP amount or switch funds according to your financial situation and market conditions.

Conclusion

Using SIP to save for a house is a smart and disciplined approach. By investing regularly in mutual funds, you can accumulate a significant amount over time, while spreading out risk. In 2024, SIPs offer flexibility and the potential for higher returns compared to traditional savings methods. Whether you aim to buy a house in a few years or in the long run, SIP helps you stay on track with your goal.

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FAQs

  • What is SIP for buying a house?

    SIP (Systematic Investment Plan) for buying a house is a disciplined investment strategy where you invest a fixed amount regularly in mutual funds. This helps accumulate funds over time for a home purchase.

  • How does SIP help buy a house?

    SIP helps in creating a lump sum amount over time, enabling you to gather the necessary funds for a down payment or full house purchase.

  • What is the minimum SIP amount for buying a house?

    The minimum SIP amount depends on the mutual fund you choose. Generally, it can start from as low as ₹500 per month.

  • Is SIP a good option for buying a house?

    Yes, SIP is a good investment option as it offers potential for high returns through equity mutual funds, which helps accumulate funds for a house.

  • How long should I invest in SIP to buy a house?

    Ideally, you should invest in SIP for at least 5-10 years to build a significant corpus for buying a house.

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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
Disclaimer:#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. All SIPs listed here are of insurance companies’ funds. The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.
**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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