SIP calculator
We sell homes, so we owe you the other side of the argument: what the same monthly cheque does in a mutual fund instead.
The other side of the decision
Every buying decision has a counterfactual: rent, and invest what you would have paid as an EMI. This calculator argues that side honestly, because a number you do not trust is worth nothing.
Invested vs corpus
The gap is compounding. It is nearly flat for a decade, then it is not.
Read it against the EMI
₹ 50,000 a month for 20 years services a home loan of about ₹ 58 L at 8.5%. Invested instead at 12.0%, the same cheque becomes ₹ 5 Cr.
That is not a verdict. The loan buys an asset that also appreciates, gives you Section 24 interest relief of up to ₹2 L a year, and removes rent from your life at the end of it — while rent itself compounds against you at 5–8% a year. Run both numbers, then decide. Check the EMI and the rental yield on the same property.
- ·Contributions at the start of each month, compounded monthly, with no step-up.
- ·A constant return — real equity returns are not constant, and the sequence matters more than the average.
- ·Pre-tax. Long-term capital gains on equity above ₹1.25 L a year are taxed at 12.5%.
- ·No exit load, expense ratio drag or missed instalments modelled.
Talk to an advisor about this
A calculator gives you the arithmetic. An advisor tells you which lender will actually sanction it, which projects have an approved-project (APF) tie-up so the file moves in days rather than weeks, and what the builder will negotiate on. No fee to you — we are paid by the developer on a registered booking.
- · Rate comparison across a 10-lender panel
- · Paperwork prepared and tracked to disbursal
- · Callback within 5 minutes, 9:30am–8pm IST