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.

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SIP Plan Benefits
Start SIP with as low as ₹1000
Start SIP with as low as ₹1000
No hidden charges
No hidden charges
Save upto ₹46,800 in Tax
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax
Zero LTCG Tax
Disciplined & worry-free investing
Disciplined & worry-free investing

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)

₹11,792

NAV

₹118.06

Estimated Value

₹

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

+ 26.3 22.61 19.07 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,722

NAV

₹76.24

Estimated Value

₹

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

+ 18.03 17.84 16.03 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,366

NAV

₹71.69

Estimated Value

₹

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

+ 18.38 17.53 15.49 %

View Fund
Instant tax receipt
AUM (Cr)

₹440

NAV

₹71.76

Estimated Value

₹

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

+ 15.64 15.39 15.06 %

View Fund
Instant tax receipt
AUM (Cr)

₹36,970

NAV

₹78.94

Estimated Value

₹

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

+ 20.53 16.41 14.88 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,690

NAV

₹71.55

Estimated Value

₹

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

+ 18.01 16.54 14.73 %

View Fund
Instant tax receipt
AUM (Cr)

₹239

NAV

₹52.01

Estimated Value

₹

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

+ 18.46 16.55 14.53 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,748

NAV

₹83.64

Estimated Value

₹

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

+ 18.03 14.76 14.39 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,677

NAV

₹43.47

Estimated Value

₹

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

+ 15.19 14.79 14.36 %

View Fund
Instant tax receipt
AUM (Cr)

₹113

NAV

₹58.57

Estimated Value

₹

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

+ 17.27 16.21 14.24 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,722

NAV

₹76.24

Estimated Value

₹

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

+ 18.03 17.84 16.03 %

View Fund
AUM (Cr)

₹3,366

NAV

₹71.69

Estimated Value

₹

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

+ 18.38 17.53 15.49 %

View Fund
AUM (Cr)

₹440

NAV

₹71.76

Estimated Value

₹

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

+ 15.64 15.39 15.06 %

View Fund
AUM (Cr)

₹4,690

NAV

₹71.55

Estimated Value

₹

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

+ 18.01 16.54 14.73 %

View Fund
AUM (Cr)

₹239

NAV

₹52.01

Estimated Value

₹

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

+ 18.46 16.55 14.53 %

View Fund
AUM (Cr)

₹3,677

NAV

₹43.47

Estimated Value

₹

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

+ 15.19 14.79 14.36 %

View Fund
AUM (Cr)

₹113

NAV

₹58.57

Estimated Value

₹

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

+ 17.27 16.21 14.24 %

View Fund
AUM (Cr)

₹7,449

NAV

₹158.25

Estimated Value

₹

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

+ 15.91 14.8 13.78 %

View Fund
AUM (Cr)

₹13,086

NAV

₹85.92

Estimated Value

₹

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

+ 15.16 14.28 13.66 %

View Fund
AUM (Cr)

₹2,189

NAV

₹69.66

Estimated Value

₹

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

+ 14.35 14.03 13.25 %

View Fund
AUM (Cr)

₹11,792

NAV

₹118.06

Estimated Value

₹

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

+ 26.3 22.61 19.07 %

View Fund
AUM (Cr)

₹36,970

NAV

₹78.94

Estimated Value

₹

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

+ 20.53 16.41 14.88 %

View Fund
AUM (Cr)

₹5,748

NAV

₹83.64

Estimated Value

₹

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

+ 18.03 14.76 14.39 %

View Fund
AUM (Cr)

₹9,302

NAV

₹65.44

Estimated Value

₹

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

+ 22.37 22.61 21.09 %

View Fund
AUM (Cr)

₹1,037

NAV

₹75.41

Estimated Value

₹

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

+ 16.98 16.16 15.19 %

View Fund
AUM (Cr)

₹13,897

NAV

₹71.73

Estimated Value

₹

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

+ 16.37 15.19 13.79 %

View Fund
AUM (Cr)

₹3,553

NAV

₹62.33

Estimated Value

₹

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

+ 17.23 15.17 13.4 %

View Fund
AUM (Cr)

₹1,143

NAV

₹56.9

Estimated Value

₹

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

+ 16.99 14.98 13.26 %

View Fund
AUM (Cr)

₹541

NAV

₹58.98

Estimated Value

₹

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

+ 14.72 13.45 11.84 %

View Fund
AUM (Cr)

₹269

NAV

₹29.3

Estimated Value

₹

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

+ 10.1 11.07 11.27 %

View Fund
AUM (Cr)

₹826

NAV

₹41.15

Estimated Value

₹

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

+ 5.79 7.46 7.63 %

View Fund
AUM (Cr)

₹480

NAV

₹38.78

Estimated Value

₹

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

+ 5.52 7.6 7.46 %

View Fund
AUM (Cr)

₹159

NAV

₹35.23

Estimated Value

₹

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

+ 5.35 7.04 7.28 %

View Fund
AUM (Cr)

₹77

NAV

₹41.51

Estimated Value

₹

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

+ 5.48 7.01 7.15 %

View Fund
AUM (Cr)

₹121

NAV

₹29.95

Estimated Value

₹

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

+ 5.94 7 7.13 %

View Fund
AUM (Cr)

₹187

NAV

₹47.35

Estimated Value

₹

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

+ 4.69 6.66 7.04 %

View Fund
AUM (Cr)

₹18,375

NAV

₹50.45

Estimated Value

₹

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

+ 5.38 6.91 6.99 %

View Fund
AUM (Cr)

₹91

NAV

₹39.3

Estimated Value

₹

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

+ 5.35 7.05 6.98 %

View Fund
AUM (Cr)

₹1,031

NAV

₹47.02

Estimated Value

₹

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

+ 5.75 6.82 6.92 %

View Fund
AUM (Cr)

₹917

NAV

₹103.02

Estimated Value

₹

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

+ 17.8 17.27 15.94 %

View Fund
AUM (Cr)

₹365

NAV

₹49.09

Estimated Value

₹

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

+ 11.95 11.72 10.88 %

View Fund
AUM (Cr)

₹5,496

NAV

₹41.24

Estimated Value

₹

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

+ 10.94 10.95 10.56 %

View Fund
AUM (Cr)

₹67

NAV

₹61.97

Estimated Value

₹

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

+ 10.07 10.28 10.44 %

View Fund
AUM (Cr)

₹485

NAV

₹106.16

Estimated Value

₹

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

+ 10.32 10.58 10.39 %

View Fund
AUM (Cr)

₹22,457

NAV

₹75.05

Estimated Value

₹

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

+ 9.99 10.49 10.29 %

View Fund
AUM (Cr)

₹281

NAV

₹32.74

Estimated Value

₹

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

+ 11.19 10.71 10.26 %

View Fund
AUM (Cr)

₹833

NAV

₹40.48

Estimated Value

₹

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

+ 11.16 10.91 10.17 %

View Fund
AUM (Cr)

₹7,453

NAV

₹112.69

Estimated Value

₹

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

+ 10.69 10.64 10.06 %

View Fund
AUM (Cr)

₹18

NAV

₹33.97

Estimated Value

₹

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

+ 10.14 10.09 9.88 %

View Fund
AUM (Cr)

₹1,309

NAV

₹80.64

Estimated Value

₹

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

+ 15.94 14.56 13.98 %

View Fund
AUM (Cr)

₹7,449

NAV

₹158.28

Estimated Value

₹

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

+ 16.39 14.66 13.73 %

View Fund
AUM (Cr)

₹3,075

NAV

₹69.55

Estimated Value

₹

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

+ 15.52 13.99 13.26 %

View Fund
View More

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
Returns
Fund Name 5 Years 7 Years 10 Years
Equity Fund SBI Life
Rating
 14.4% 13.51%
12.54%
View Plan
Opportunities Fund HDFC Life
Rating
 20.53% 16.41%
14.88%
View Plan
High Growth Fund Axis Max Life
Rating
 26.3% 22.61%
19.07%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
 17.23% 15.17%
13.4%
View Plan
Multi Cap Fund Tata AIA Life
Rating
 22.37% 22.61%
21.09%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
 18.03% 14.76%
14.39%
View Plan
Multiplier Birla Sun Life
Rating
 19.93% 16.74%
15.84%
View Plan
Pension Mid Cap Fund PNB MetLife
Rating
 31.41% 24.68%
18.41%
View Plan
Growth Plus Fund Canara HSBC Life
Rating
 13.46% 12.18%
11.46%
View Plan
US Equity Fund Star Union Dai-ichi Life
Rating
 16.95% -
14.82%
View Plan
Fund rating powered by
Last updated: Nov 2025
Compare more funds

Fund Name AUM Return 3 Years Return 5 Years Return 10 Years Minimum Investment Return Since Launch
Quant Multi Cap Fund Regular-Growth ₹9,631.80 Crs 12.58% 23.12% 17.69% ₹5,000 18.36%
Canara Robeco Large and Mid Cap Fund Regular-Growth ₹25,550.61 Crs 16.79% 20.35% 15.33% ₹5,000 17.1%
HDFC Flexi Cap Fund Regular-Growth ₹80,642.30 Crs 23.71% 28.76% 16.17% ₹100 18.87%
Mirae Asset Large & Midcap Fund Regular-Growth ₹40,554.09 Crs 17.5% 20.65% 17.41% ₹5,000 19.58%
Quant Large and Mid Cap Fund-Growth ₹3,651.47 Crs 17.05% 23.08% 16.28% ₹5,000 13.77%
Parag Parikh Flexi Cap Fund Regular-Growth ₹113,280.87 Crs 21.59% 21.81% 17.97% ₹1,000 18.9%
Kotak Large & Midcap Fund Regular-Growth ₹28,084.13 Crs 19.77% 21.97% 15.46% ₹100 18.31%
Edelweiss Large & Mid Cap Fund Regular-Growth ₹4,063.31 Crs 17.71% 21.4% 14.44% ₹100 12.53%
ICICI Prudential PSU Equity Fund - Growth ₹1,967.12 Crs 28.18% N/A N/A ₹5,000 27.22%
SBI PSU Fund-Growth ₹5,278.16 Crs 31.67% 32.69% 13.87% ₹5,000 8.1%

Last updated: October 2025

Compare more funds

Buying the Dip Results in Higher ReturnsBuying 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 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
Years
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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
13.18%
Equity Pension
Global Equity Index Funds Strategy
15.49%
Global Equity Index Funds Strategy
High Growth Fund
19.07%
High Growth Fund
Opportunities Fund
13.4%
Opportunities Fund
Multi Cap Fund
21.09%
Multi Cap Fund
Accelerator Mid-Cap Fund II
14.39%
Accelerator Mid-Cap Fund II
Multiplier
15.84%
Multiplier
Frontline Equity Fund
14.73%
Frontline Equity Fund
Pension Mid Cap Fund
18.41%
Pension Mid Cap Fund
Growth Plus Fund
11.46%
Growth Plus Fund
US Equity Fund
14.82%
US Equity Fund
Growth Opportunities Plus Fund
15.19%
Growth Opportunities Plus Fund
Equity Top 250 Fund
11.84%
Equity Top 250 Fund
Future Apex Fund
14.24%
Future Apex Fund
Pension Dynamic Equity Fund
12.17%
Pension Dynamic Equity Fund
Pension Enhanced Equity
14.64%
Pension Enhanced Equity

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

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

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 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.

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Bajaj Allianz SIP Calculator
TATA SIP Calculator

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.

˜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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