Loading calculator…
Loading calculator…
Properties get more expensive over time. Estimate the future cost of your dream home and plan the exact SIP needed to hit your downpayment target.
Cost After 5 Years
₹66,91,128
Required Monthly SIP
₹13,013
How your target downpayment of ₹13,38,226 will be achieved
Real estate prices in India historically rise at a different rate (often 5-8% depending on the city and tier) compared to general inflation. It is safer to assume a modest property appreciation specifically for the area you want to buy in.
Banks typically fund up to 80-90% of the property value. However, a 20% standard downpayment is recommended. Additionally, consider planning an extra 5-10% buffer for stamp duty, registration, and initial interior setup.
If changing houses is a short-term goal (less than 3 years), stick to safe assets like RDs, FDs or Liquid Mutual Funds. If it's a mid-to-long term goal (5-10+ years), aggressive hybrid or equity mutual funds via monthly SIPs are ideal.