SIP for Home Loan

A SIP is not just for wealth creation; it can also be a smart investment strategy to manage your home loan. By investing small amounts regularly in Systematic Investment Plans (SIPs), you can accumulate funds for your home loan down payment or even reduce EMI pressure.

SIP Plan Benefits

Start SIP with as low as ₹1000

No hidden charges

Save upto ₹46,800 in Taxunder section 80C^{^}

Zero LTCG Tax^¶

Disciplined & worry-free investing

Best SIP Funds

Tax Saving Funds Large Cap Low Return Funds Mid Cap Mid Return Funds Multi Cap Debt Funds Shariah Funds Balanced Funds

Payment Mode

Invest

₹ 10,000

Invest for

Large Cap Equity Fund

AUM (Cr)

₹2,773

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.08 17.63 16.59 %

View Fund

Instant tax receipt

Opportunities Fund

AUM (Cr)

₹36,263

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 16.13 15.9 %

View Fund

Instant tax receipt

Virtue II

AUM (Cr)

₹3,330

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.96 17.09 15.75 %

View Fund

Instant tax receipt

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.12 15.09 15.68 %

View Fund

Instant tax receipt

Frontline Equity Fund

AUM (Cr)

₹4,789

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.18 16.13 15.36 %

View Fund

Instant tax receipt

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.63 16.01 15.06 %

View Fund

Instant tax receipt

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,680

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.21 14.43 14.85 %

View Fund

Instant tax receipt

Future Apex Fund

AUM (Cr)

₹121

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.35 15.98 14.8 %

View Fund

Instant tax receipt

Super 20

AUM (Cr)

₹2,208

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.5 13.48 14.02 %

View Fund

Instant tax receipt

Growth Super Fund

AUM (Cr)

₹12,943

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.04 13.6 14.01 %

View Fund

Instant tax receipt

Large Cap Equity Fund

AUM (Cr)

₹2,773

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.08 17.63 16.59 %

View Fund

Virtue II

AUM (Cr)

₹3,330

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.96 17.09 15.75 %

View Fund

Grow Money Plus Fund

AUM (Cr)

₹446

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.12 15.09 15.68 %

View Fund

Frontline Equity Fund

AUM (Cr)

₹4,789

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.18 16.13 15.36 %

View Fund

Accelerator Fund

AUM (Cr)

₹237

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.63 16.01 15.06 %

View Fund

Future Apex Fund

AUM (Cr)

₹121

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.35 15.98 14.8 %

View Fund

Super 20

AUM (Cr)

₹2,208

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.5 13.48 14.02 %

View Fund

Growth Super Fund

AUM (Cr)

₹12,943

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.04 13.6 14.01 %

View Fund

Bluechip Equity Fund

AUM (Cr)

₹1,031

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.81 14.09 13.85 %

View Fund

Blue Chip Fund

AUM (Cr)

₹8,120

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 11.98 13.56 13.7 %

View Fund

Opportunities Fund

AUM (Cr)

₹36,263

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 19.5 16.13 15.9 %

View Fund

Accelerator Mid-Cap Fund II

AUM (Cr)

₹5,680

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.21 14.43 14.85 %

View Fund

Multi Cap Fund

AUM (Cr)

₹9,815

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29 23.3 21.44 %

View Fund

High Growth Fund

AUM (Cr)

₹12,246

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 29.43 23.7 18.4 %

View Fund

Growth Opportunities Plus Fund

AUM (Cr)

₹1,053

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.66 16.01 15.96 %

View Fund

Classic Opportunities Fund

AUM (Cr)

₹13,777

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 13.84 14.88 14.5 %

View Fund

Flexi Cap

AUM (Cr)

₹1,137

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.72 14.83 13.92 %

View Fund

Opportunities Fund

AUM (Cr)

₹3,622

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 14.52 14.66 13.78 %

View Fund

Equity Top 250 Fund

AUM (Cr)

₹541

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 12.16 13.01 12.4 %

View Fund

Asset Allocation

AUM (Cr)

₹258

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.53 10.59 11.43 %

View Fund

Whole Life Income Fund

AUM (Cr)

₹810

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.83 7.28 7.65 %

View Fund

Debt Fund

AUM (Cr)

₹512

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.61 7.4 7.44 %

View Fund

Individual Preserver Pension Fund

AUM (Cr)

₹179

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.42 6.85 7.26 %

View Fund

Steady Money Fund

AUM (Cr)

₹76

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.58 6.88 7.1 %

View Fund

Dynamic Gilt Fund

AUM (Cr)

₹181

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 4.79 6.46 7.1 %

View Fund

Bond Fund

AUM (Cr)

₹120

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 6 6.88 7.06 %

View Fund

Debt Fund

AUM (Cr)

₹93

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.39 6.88 7.01 %

View Fund

Secure Fund

AUM (Cr)

₹1,022

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.95 6.71 6.94 %

View Fund

Income Fund

AUM (Cr)

₹6,870

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 5.01 6.47 6.94 %

View Fund

Whole Life Aggressive Growth Fund

AUM (Cr)

₹935

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.64 17.05 16.25 %

View Fund

Balanced Fund

AUM (Cr)

₹363

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 10.49 11.39 11.23 %

View Fund

Balanced Fund

AUM (Cr)

₹5,378

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.49 10.73 11.01 %

View Fund

Save N Grow Money Fund

AUM (Cr)

₹64

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.03 10.03 10.65 %

View Fund

Creator

AUM (Cr)

₹478

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.03 10.25 10.62 %

View Fund

Asset Allocation Fund II

AUM (Cr)

₹276

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.56 10.26 10.49 %

View Fund

Balanced Fund

AUM (Cr)

₹22,084

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.67 10.17 10.46 %

View Fund

Balancer II

AUM (Cr)

₹833

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.93 10.67 10.41 %

View Fund

Growth Fund

AUM (Cr)

₹7,213

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 9.31 10.27 10.31 %

View Fund

Stable Fund

AUM (Cr)

₹18

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 8.8 9.85 10.25 %

View Fund

Super Select Equity Fund

AUM (Cr)

₹1,309

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.94 14.56 13.98 %

View Fund

Pure Stock Fund

AUM (Cr)

₹7,449

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 16.39 14.66 13.73 %

View Fund

Pure Equity

AUM (Cr)

₹3,075

Estimated Value

₹

After 5 years

Returns (p.a.)

+ 15.52 13.99 13.26 %

View Fund

What is SIP for Home Loan?

SIP is a method of investing a fixed amount in mutual funds every month. It is perfect for beginners as it reduces the need to time the market and helps you earn returns through regular contributions.

Insurance Companies
Mutual Funds

Fund Name	5 Years	7 Years	10 Years
	Returns
Equity Fund SBI Life Rating	11.64%	12.92%	12.86% View Plan
Opportunities Fund HDFC Life Rating	19.5%	16.13%	15.9% View Plan
High Growth Fund Axis Max Life Rating	29.43%	23.7%	18.4% View Plan
US Growth Fund ICICI Prudential Life Rating	15.25%	-	18.03% View Plan
Multi Cap Fund Tata AIA Life Rating	29%	23.3%	21.44% View Plan
Accelerator Mid-Cap Fund II Bajaj Life Rating	15.21%	14.43%	14.85% View Plan
Multiplier Birla Sun Life Rating	19.5%	16.65%	15.9% View Plan
Pension Mid Cap Fund PNB MetLife Rating	31.41%	24.68%	18.41% View Plan
Equity II Fund Canara HSBC Life Rating	11.39%	11.75%	11.88% View Plan
US Equity Fund Star Union Dai-ichi Life Rating	14.54%	-	14.6% View Plan

Fund rating powered by

Last updated: Jan 2026

Compare more funds

Fund Name	AUM	Return 3 Years	Return 5 Years	Return 10 Years	Minimum Investment	Return Since Launch
Motilal Oswal BSE Enhanced Value Index Fund Regular - Growth	₹822.00 Crs	35.31%	N/A	N/A	₹500	35.07%
Bandhan Small Cap Fund Regular-Growth	₹14,062.19 Crs	29.34%	30.26%	N/A	₹1,000	31.59%
Motilal Oswal Midcap Fund Regular-Growth	₹33,608.53 Crs	25.97%	33.24%	17.66%	₹500	22.31%
ICICI Prudential Infrastructure Fund-Growth	₹7,941.20 Crs	28.79%	37.23%	17.14%	₹5,000	15.97%
Canara Robeco Large Cap Fund Regular-Growth	₹16,406.92 Crs	16.08%	17.34%	13.87%	₹100	12.99%
Mirae Asset Large Cap Fund Direct- Growth	₹39,975.32 Crs	14.85%	17.48%	14.46%	₹5,000	16.26%
Kotak Midcap Fund Regular-Growth	₹57,375.20 Crs	22.42%	27.51%	18.07%	₹100	15.26%
SBI Small Cap Fund-Growth	₹35,562.96 Crs	13.89%	23.99%	18.17%	₹5,000	19.25%
SBI Gold ETF	₹8,810.86 Crs	31.81%	17.85%	15.14%	₹5,000	12.57%

Updated as of Jan 2026

Compare more funds

Buying the Dip Results in Higher Returns

How to Start a SIP for Home Loan?

You can start a SIP for home loan management by using the following steps:

Step 1: Choose a Mutual Fund- Select a mutual fund based on your financial goals and how much risk you are comfortable with. You can go for equity or hybrid funds for better long-term returns.

Step 2: Decide SIP Amount- Choose an amount that you can comfortably invest every month. Make sure it meets your home loan repayment needs.

Step 3: Set a Time Frame- Decide for how long you want to invest in the SIP. It should ideally match the duration of your home loan.

Step 4: Open a SIP Account- Open an account with an Asset Management Company (AMC) or use an online platform to start your SIP.

Step 5: Link Bank Account- Link your bank account to the SIP to set up automatic monthly deductions.

Step 6: Monitor Progress- Keep track of how your SIP is performing to make sure you are on the right track for your home loan goal.

Step 7: Redeem When Needed- Once your SIP grows to the desired amount, redeem it to pay off your home loan or for any other needs.

SIP Calculator

I know my investment amount I know my goal amount

Monthly SIP Yearly SIP Lumpsum

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

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

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

Years

Expected return Pro Tip

Top 25% of investors consistently generate more than 12% return

% Annually

Monthly Investment ₹22.4 L

View Plans

Top Funds with High Returns (Past 7 Years)

13.68%

Equity Pension

16.3%

Global Blue Chip Anchor Strategy

18.4%

High Growth Fund

18.03%

US Growth Fund

21.44%

Multi Cap Fund

14.85%

Accelerator Mid-Cap Fund II

15.9%

Multiplier

15.36%

Frontline Equity Fund

18.41%

Pension Mid Cap Fund

11.88%

Equity II Fund

14.6%

US Equity Fund

15.96%

Growth Opportunities Plus Fund

12.4%

Equity Top 250 Fund

14.8%

Future Apex Fund

12.84%

Pension Dynamic Equity Fund

15.06%

Accelerator Fund

Points to Consider Before Investing in SIP for Home Loan

You must consider the following key points before you start investing in a SIP for a home loan:

Check Loan Amount & EMI: Make sure your home loan amount and EMI are manageable. SIPs should help you, not add more pressure.
Match SIP with Loan Repayment: Pick the best SIP plan that works well with your home loan repayment plan for better results.
Know Your Risk: SIPs in equity funds can be risky. Choose funds according to your risk tolerance.
Impact of Interest Rates: Your home loan interest rate matters. See if the SIP returns can cover or reduce your loan burden.
Investment Time Period: Longer SIPs generally give better returns. Plan your SIP duration according to your loan repayment time.
Diversify Your Investments: Do not invest all your money in one SIP. Spread it across different funds to reduce risk and get better returns.

Note: You can use SIP calculator online to calculate your maturity amount with different annual returns

Key Benefits of Investing in a SIP for Home Loan

The key benefits of investing in a SIP for home loan are as follows:

Regular Savings: SIPs allow you to invest small amounts regularly, helping you save without financial stress.
Compound Growth: Your money grows through compounding, potentially giving higher returns over the long term.
Lower Risk: SIPs in balanced or debt funds reduce the impact of market volatility, making it safer for home loan repayments.
Tax Benefits: If you invest in tax-saving SIPs (ELSS), you can reduce your taxable income under Section 80C.
Flexibility: You can increase or decrease your SIP amount based on your financial situation, making it flexible.
Beat Inflation: SIPs offer returns that can outpace inflation, helping you save more for future home loan repayments.

Start Small & Build Your Wealth For A Brighter Tomorrow

Conclusion

SIP for a home loan is an innovative approach to managing your home loan repayments. By investing small, fixed amounts through a Systematic Investment Plan (SIP), you can build a corpus over time to either pay off your loan or reduce the financial burden of EMIs. This method combines disciplined savings with the potential of market returns, making it a valuable tool for long-term home loan management.

FAQs

What is a SIP for a Home Loan?

A SIP for a home loan is a way to save money regularly by investing in mutual funds. It helps you build a fund for your home loan down payment.
How does a SIP help save for a home loan?

A SIP helps you save every month and earn returns. It grows your money faster than a normal savings account.
How much money should I invest in a SIP for a home loan?

You should decide the amount based on your goal and the time you have to save for the home loan.
Can I start a SIP for a home loan with a small amount?

Yes, you can start a SIP for some mutual funds as low as ₹100 per month.

SIP for Home Loan

Best SIP Funds

What is SIP for Home Loan?

How to Start a SIP for Home Loan?

SIP Calculator

Points to Consider Before Investing in SIP for Home Loan

Key Benefits of Investing in a SIP for Home Loan

Conclusion

FAQs

What is a SIP for a Home Loan?

How does a SIP help save for a home loan?

How much money should I invest in a SIP for a home loan?

Can I start a SIP for a home loan with a small amount?

SIP plans articles

Explore the popular searches and stay informed