Home Purchase
The Down Payment Is 20–25% Of The Property Value. Fund It Separately.
Most families under-budget the down payment because they're focused on the EMI. A dedicated home purchase fund closes that gap before you start house-hunting.
₹20L – 60L
Typical target corpus
20–25% of property value
Down payment guideline
5–12 years
Typical horizon
Figures are illustrative suggested ranges based on typical property values and lending norms, not a projection or promise of returns.
The Math, Made Simple
What starting earlier actually saves you.
For an illustrative target of ₹40L, here is approximately what the required monthly SIP looks like at different starting points.
10 years to go
₹19,000 / month
7 years to go
₹32,500 / month
5 years to go
₹50,600 / month
Illustrative only. Assumes a hypothetical 11.00% annual growth rate for calculation purposes, compounded monthly. This is not indicative of actual or future returns, which are not guaranteed and depend entirely on market performance. Speak with us for a suggestion based on your actual goal, timeline, and risk profile.
How It Works
Let's make better financial decisions.
Understand the goal
We start with the family's actual objective: a date, a number, a milestone. Not a product.
Calculate the corpus
We work backward from the goal to a realistic target corpus, adjusted for inflation and time horizon.
Set up SIP + Lumpsum
A structured mix of monthly SIP and lumpsum investment is built around what the family can actually sustain.
Review annually
We revisit your investments every year and rebalance as and when required, as income, goals, or markets shift.
Who This Is For
Built around where your family is today.
First-time buyers
Building the down payment corpus from scratch, usually SIP-led with a 5–8 year horizon.
Upgrading families
Moving from a smaller home to a larger one, often a shorter horizon needing a heavier lumpsum component.
NRI families
Building a corpus in India for a future return-and-settle home purchase.
Worth Avoiding
Mistakes families commonly make here.
Budgeting only for the EMI
The down payment, registration, and interior costs are separate from monthly EMI affordability. Under-planning the upfront amount is the most common gap we see.
Depleting the emergency fund for the down payment
Using savings meant for emergencies leaves no buffer right when a large new EMI begins. A dedicated fund keeps the two separate.
Not accounting for property price movement
Property values in a target area can move meaningfully over a multi-year search. The corpus target should be reviewed against current prices, not fixed once.
Client Experiences
Families who started with a process, not a hunch.
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
“I was saving, but not with a goal. Vijay showed me exactly what my daughter's education would cost and set up a SIP that same week.”
Ankita
School Teacher, Jamnagar
“I kept delaying because the number felt big. Vijay broke it down into a monthly SIP I could actually manage.”
Mahesh Kumar
Business Owner, Porbandar
“We wanted our own home but the down payment felt impossible. Vijay set up a SIP and showed us exactly how to get there.”
Harsh & Nidhi M.
IT Professionals, Ahmedabad
“Retirement arrived and the anxiety came with it. Vijay restructured my corpus so a fixed amount hits my account every month.”
Bharat Dave
Retired Govt. Officer, Jamnagar
“In catering, income is irregular: some months are great, some are slow. Vijay built a structure that works with that reality.”
Keval Chovatiya
Catering Business Owner, Jamnagar
Common Questions
Frequently asked.
For a horizon of 5+ years, a structured SIP typically outpaces a savings account, though it does carry market risk that a savings account does not.
Close the down-payment gap before you start house-hunting.
Book a free 30-minute call. No obligation, no sales pitch, just a clear look at your goals and what it takes to get there.