How much lumpsum do you need for your ₹25 Lakh dream home in just 3 years? Let's break down the strategy.
Ambitious goal! For short-term (under 5 years), prioritize capital preservation over high-risk equity. Seek stable, moderate growth for your down payment.
To reach ₹25 Lakhs in 3 years at a realistic 7% annual return, you'd need to invest approx. ₹20.4 Lakhs as a lumpsum today.
For 3 years, consider Balanced Advantage Funds for dynamic risk management, or Arbitrage Funds for tax-efficient, low-volatility returns. Avoid pure equity.
Combine a smaller lumpsum with monthly SIPs. E.g., ₹15 Lakhs lumpsum + ₹17,000/month SIP for 3 years can get you to ₹25 Lakhs at 7%.
Don't overestimate returns, ignore inflation, or panic sell. Review your plan regularly and account for all home-buying costs beyond the down payment.
Ready to map out your own journey? Use our goal-based SIP calculator to tailor your investment plan for your dream home. Get started now!