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)

₹11,620

NAV

₹148.76

Estimated Value

₹

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

+ 16.15 17.87 17.07 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,687

NAV

₹67.84

Estimated Value

₹

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

+ 12.27 14.6 14.78 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,237

NAV

₹64.13

Estimated Value

₹

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

+ 12.75 15.01 14.47 %

View Fund
Instant tax receipt
AUM (Cr)

₹35,377

NAV

₹70.42

Estimated Value

₹

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

+ 12.59 13.55 13.85 %

View Fund
Instant tax receipt
AUM (Cr)

₹446

NAV

₹63.16

Estimated Value

₹

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

+ 10.23 12.28 13.82 %

View Fund
Instant tax receipt
AUM (Cr)

₹4,837

NAV

₹63.39

Estimated Value

₹

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

+ 12.19 13.17 13.55 %

View Fund
Instant tax receipt
AUM (Cr)

₹5,458

NAV

₹73.88

Estimated Value

₹

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

+ 12.48 11.9 13.51 %

View Fund
Instant tax receipt
AUM (Cr)

₹219

NAV

₹44.83

Estimated Value

₹

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

+ 12.82 13.07 13.17 %

View Fund
Instant tax receipt
AUM (Cr)

₹3,598

NAV

₹38.18

Estimated Value

₹

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

+ 9.84 11.49 12.95 %

View Fund
Instant tax receipt
AUM (Cr)

₹7,314

NAV

₹141.21

Estimated Value

₹

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

+ 11.38 12.31 12.75 %

View Fund
Instant tax receipt
AUM (Cr)

₹2,687

NAV

₹67.84

Estimated Value

₹

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

+ 12.27 14.6 14.78 %

View Fund
AUM (Cr)

₹3,237

NAV

₹64.13

Estimated Value

₹

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

+ 12.75 15.01 14.47 %

View Fund
AUM (Cr)

₹446

NAV

₹63.16

Estimated Value

₹

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

+ 10.23 12.28 13.82 %

View Fund
AUM (Cr)

₹4,837

NAV

₹63.39

Estimated Value

₹

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

+ 12.19 13.17 13.55 %

View Fund
AUM (Cr)

₹219

NAV

₹44.83

Estimated Value

₹

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

+ 12.82 13.07 13.17 %

View Fund
AUM (Cr)

₹3,598

NAV

₹38.18

Estimated Value

₹

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

+ 9.84 11.49 12.95 %

View Fund
AUM (Cr)

₹7,314

NAV

₹141.21

Estimated Value

₹

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

+ 11.38 12.31 12.75 %

View Fund
AUM (Cr)

₹130

NAV

₹50.85

Estimated Value

₹

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

+ 10.85 12.37 12.71 %

View Fund
AUM (Cr)

₹12,241

NAV

₹74.63

Estimated Value

₹

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

+ 9.22 10.71 12.24 %

View Fund
AUM (Cr)

₹3,060

NAV

₹60.75

Estimated Value

₹

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

+ 9.6 10.53 11.98 %

View Fund
AUM (Cr)

₹11,620

NAV

₹148.76

Estimated Value

₹

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

+ 16.15 17.87 17.07 %

View Fund
AUM (Cr)

₹35,377

NAV

₹70.42

Estimated Value

₹

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

+ 12.59 13.55 13.85 %

View Fund
AUM (Cr)

₹5,458

NAV

₹73.88

Estimated Value

₹

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

+ 12.48 11.9 13.51 %

View Fund
AUM (Cr)

₹9,938

NAV

₹58.75

Estimated Value

₹

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

+ 21 19.29 22 %

View Fund
AUM (Cr)

₹12,572

NAV

₹106.43

Estimated Value

₹

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

+ 18.26 19.82 17.91 %

View Fund
AUM (Cr)

₹1,051

NAV

₹67.5

Estimated Value

₹

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

+ 11.61 13.31 14.32 %

View Fund
AUM (Cr)

₹13,553

NAV

₹64.17

Estimated Value

₹

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

+ 11 12.14 12.73 %

View Fund
AUM (Cr)

₹1,125

NAV

₹51.22

Estimated Value

₹

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

+ 12.05 12.04 12.38 %

View Fund
AUM (Cr)

₹3,551

NAV

₹54.91

Estimated Value

₹

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

+ 11.51 11.81 12.11 %

View Fund
AUM (Cr)

₹526

NAV

₹52.64

Estimated Value

₹

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

+ 9.32 10.55 10.86 %

View Fund
AUM (Cr)

₹242

NAV

₹26.06

Estimated Value

₹

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

+ 7.35 8.57 9.85 %

View Fund
AUM (Cr)

₹823

NAV

₹40.86

Estimated Value

₹

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

+ 5.66 6.84 7.28 %

View Fund
AUM (Cr)

₹499

NAV

₹38.31

Estimated Value

₹

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

+ 5.27 6.81 7.03 %

View Fund
AUM (Cr)

₹117

NAV

₹30.18

Estimated Value

₹

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

+ 5.98 6.6 6.92 %

View Fund
AUM (Cr)

₹171

NAV

₹34.95

Estimated Value

₹

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

+ 5.2 6.39 6.85 %

View Fund
AUM (Cr)

₹77

NAV

₹41.26

Estimated Value

₹

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

+ 5.42 6.43 6.81 %

View Fund
AUM (Cr)

₹16,781

NAV

₹50.02

Estimated Value

₹

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

+ 5.29 6.29 6.62 %

View Fund
AUM (Cr)

₹172

NAV

₹46.79

Estimated Value

₹

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

+ 4.6 5.98 6.59 %

View Fund
AUM (Cr)

₹93

NAV

₹38.98

Estimated Value

₹

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

+ 5.21 6.45 6.59 %

View Fund
AUM (Cr)

₹1,013

NAV

₹46.69

Estimated Value

₹

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

+ 5.66 6.25 6.56 %

View Fund
AUM (Cr)

₹904

NAV

₹95.19

Estimated Value

₹

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

+ 13.62 14.97 14.98 %

View Fund
AUM (Cr)

₹354

NAV

₹45.52

Estimated Value

₹

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

+ 8.67 9.54 10.02 %

View Fund
AUM (Cr)

₹62

NAV

₹58.3

Estimated Value

₹

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

+ 7.74 8.54 9.71 %

View Fund
AUM (Cr)

₹460

NAV

₹98.81

Estimated Value

₹

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

+ 7.55 8.61 9.62 %

View Fund
AUM (Cr)

₹5,072

NAV

₹37.67

Estimated Value

₹

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

+ 7.56 8.54 9.61 %

View Fund
AUM (Cr)

₹21,160

NAV

₹69.32

Estimated Value

₹

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

+ 7.12 8.44 9.38 %

View Fund
AUM (Cr)

₹807

NAV

₹37.79

Estimated Value

₹

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

+ 8.36 8.96 9.37 %

View Fund
AUM (Cr)

₹6,860

NAV

₹104.51

Estimated Value

₹

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

+ 7.69 8.68 9.23 %

View Fund
AUM (Cr)

₹272

NAV

₹29.54

Estimated Value

₹

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

+ 7.71 8.34 9.18 %

View Fund
AUM (Cr)

₹1,775

NAV

₹40.99

Estimated Value

₹

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

+ 8.42 8.57 9 %

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
Top 300 Fund SBI Life
Rating
 8.92% 10.64%
11.71%
View Plan
Opportunities Fund HDFC Life
Rating
 12.59% 13.55%
13.85%
View Plan
High Growth Fund Axis Max Life
Rating
 18.26% 19.82%
17.91%
View Plan
Opportunities Fund ICICI Prudential Life
Rating
 11.51% 11.81%
12.11%
View Plan
Multi Cap Fund Tata AIA Life
Rating
 21% 19.29%
22%
View Plan
Accelerator Mid-Cap Fund II Bajaj Life
Rating
 12.48% 11.9%
13.51%
View Plan
Multiplier Birla Sun Life
Rating
 14.61% 13.7%
15.02%
View Plan
Virtue II PNB MetLife
Rating
 12.75% 15.01%
14.47%
View Plan
Equity II Fund Canara HSBC Life
Rating
 8.59% 8.52%
9.97%
View Plan
Blue-Chip Equity Fund Star Union Dai-ichi Life
Rating
 7.62% 8.49%
9.87%
View Plan
Fund rating powered by
Last updated: Mar 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 ₹1,748.84 Crs 28.91% N/A N/A ₹500 28.94%
Bandhan Small Cap Fund Regular-Growth ₹20,474.12 Crs 26.07% 20.2% N/A ₹1,000 25.81%
Motilal Oswal Midcap Fund Regular-Growth ₹33,689.20 Crs 17.76% 19.95% 15.5% ₹500 18.83%
ICICI Prudential Infrastructure Fund-Growth ₹8,097.89 Crs 20.26% 23.55% 17.35% ₹5,000 14.94%
Canara Robeco Large Cap Fund Regular-Growth ₹17,103.62 Crs 11.03% 9.6% 12.89% ₹100 11.61%
Mirae Asset Large Cap Fund Direct- Growth ₹40,184.41 Crs 10.21% 9.85% 13.44% ₹5,000 14.5%
Kotak Midcap Fund Regular-Growth ₹61,694.40 Crs 17.96% 16.27% 17.08% ₹100 14.06%
SBI Small Cap Fund-Growth ₹34,931.73 Crs 10.62% 13.02% 16.74% ₹5,000 17.62%
SBI Gold ETF ₹24,897.99 Crs 33.28% 25.87% 16.3% ₹5,000 13.46%

Updated as of Mar 2026

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
Years
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Expected return Pro Tip
Top 25% of investors consistently generate more than 12% return
% Annually
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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
11.9%
Equity Pension
Opportunities Fund
13.85%
Opportunities Fund
High Growth Fund
17.91%
High Growth Fund
Opportunities Fund
12.11%
Opportunities Fund
Multi Cap Fund
22%
Multi Cap Fund
Accelerator Mid-Cap Fund II
13.51%
Accelerator Mid-Cap Fund II
Multiplier
15.02%
Multiplier
Frontline Equity Fund
13.55%
Frontline Equity Fund
Virtue II
14.47%
Virtue II
Equity II Fund
9.97%
Equity II Fund
Gift Global Opportunity Maximizer Fund
10.16%
Gift Global Opportunity Maximizer Fund
Growth Opportunities Plus Fund
14.32%
Growth Opportunities Plus Fund
Equity Top 250 Fund
10.86%
Equity Top 250 Fund
Future Apex Fund
12.71%
Future Apex Fund
Pension Dynamic Equity Fund
10.75%
Pension Dynamic Equity Fund
Accelerator Fund
13.17%
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

SIP Plans
5 Years
SIP Plans
7 Years
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10 Years
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12 Years
SIP Plans
15 Years
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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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Aditya Birla SIP Calculator
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Yes Bank SIP Calculator
Nippon India SIP Calculator
Bajaj Life 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.

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  • 360449
Best SIP Plans are top mutual fund schemes that have been constantly outperforming in the market due to their
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Systematic Withdrawal Plan - SWP
Systematic Withdrawal Plan - SWP
  • 22 Jun 2023
  • 39037
SWP or Systematic Withdrawal Plan is a financial investment strategy that allows you to withdraw a fixed amount
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SIP Investment Plans - SIP Funds to Invest in India
SIP Investment Plans - SIP Funds to Invest in India
  • 01 Feb 2017
  • 1180107
A Systematic Investment Plan (SIP) is a method to invest fixed amounts regularly in mutual funds. It makes the
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SIP Plan for 5 Years
SIP Plan for 5 Years
  • 20 Aug 2025
  • 33632
Investing in the best SIP plans for 5 years is a smart way to build wealth in a steady manner while managing
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Invest ₹10K/Month & Get ₹1 Crore# Tax-Free*
*under 10(10D)

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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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