Owning a home is not just an emotional milestone—it’s one of the biggest financial goals for most Indians.
Whether it's a cozy 2BHK in the city or a villa by the outskirts, the right investment plan can turn your 5-year home goal into reality.
Step 1: Define the Budget for Your Dream Home
Ask Yourself:
What kind of house do I want?
In which city/locality?
Will it be under construction or ready-to-move?
Sample Budget Breakdown:
Target Home Cost: ₹60 Lakhs
Down Payment (20%): ₹12 Lakhs
Registration + Other Costs: ₹3 Lakhs
Emergency Buffer: ₹1 Lakh
🎯 Goal = ₹16 Lakhs in 5 Years
Step 2: Break It Down Into Monthly Savings
To build ₹16L in 5 years (60 months), you’ll need:
Option 1: Moderate Return (9% p.a.)
SIP Required: ₹21,500/month in Hybrid Mutual Funds
Option 2: Aggressive Return (12% p.a.)
SIP Required: ₹19,000/month in Equity Mutual Funds
📲 Use Vizzve’s Home Goal SIP Calculator to customize your plan.
Step 3: Choose the Right Investment Instruments
| Investment Option | Return (p.a.) | Risk | Ideal For |
|---|---|---|---|
| Equity Mutual Funds (SIPs) | 12–14% | Moderate | High growth, 3–5 year horizon |
| Hybrid Mutual Funds | 9–10% | Moderate-Low | Balanced risk |
| Recurring Deposit | 6–7% | Low | Safety + discipline |
| PPF | 7.1% | Very Low | Backup plan (not ideal for 5 years) |
| Liquid/Short-Term Debt Funds | 5–7% | Low | Parking emergency funds |
💡 Keep the bulk in mutual funds, but park short-term money in safe assets.
🛡️ Step 4: Create a Financial Safety Net
Before committing to long-term investing:
Build a 6-month emergency fund
Take health + term insurance
Avoid taking loans for non-essential spends
This ensures that market dips or life events don’t derail your dream home goal.
Step 5: Automate, Track & Adjust
Set up auto-debit SIPs through Vizzve
Review portfolio performance every 6 months
Shift 20–30% to low-risk debt funds in the final year to protect returns
FAQs
1. Is it better to save or invest for a home?
Invest. Saving in FDs or RDs won’t beat inflation. SIPs help grow money faster.
2. Can I take a home loan after 5 years of investing?
Absolutely. Your invested amount can be your down payment, and the rest can be funded via a home loan.
3. What if I miss a few SIPs?
Try to make up next month. Consistency is key. Avoid stopping for long.
4. Can a couple invest together?
Yes! Couples can set joint goals and split SIPs to reach the ₹16L target faster.
Conclusion: Brick by Brick, Rupee by Rupee
Buying a home in 5 years is ambitious—but achievable with a clear plan.
With Vizzve, you can:
Set real estate goals
Start SIPs with ₹5,000+
Track growth with smart dashboards
Get curated fund recommendations
Protect your home dreams with insurance
🧱 Start building your dream house today—financially first.
Your 5-Year Plan Starts Today
Don’t just wish for a home. Plan for it. Invest for it. Own it.
Start your journey with Vizzve’s Dream Home Planner now.
Published on : 26th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed