Don't Just Dream Of A Home.
Build The
Down Payment
To Buy It.
The down payment on a home is the hardest part — not the EMI. A dedicated SIP + lumpsum corpus built systematically over 5–10 years puts you in the strongest possible position when your dream home appears.
Be ready when the right home appears — not scrambling when it does.
Pan-India
+ NRI Clients
NISM V-A & XIII
Certified
ARN-52501
AMFI Registered MFD
The Reality Every Home Buyer Faces
Owning A Home Is Every
Family's Dream. The Down
Payment Is The Hard Part.
Property prices in India’s growing cities have risen sharply over the past decade. The down payment alone — typically 20–25% of the property value — can amount to ₹15–50 lakhs. Without a dedicated corpus built systematically in advance, families are forced into larger loans, extended EMI burdens, or compromises on the property they truly want. A structured SIP + lumpsum approach changes that entirely.
Two Ways to Build Your Down Payment
SIP + Lumpsum Together
Build Your Home Corpus
Faster and Smarter.
A monthly SIP builds your down payment corpus consistently. A lumpsum from a bonus or windfall accelerates it and can cut years off your timeline. Together — structured under one framework, they give you the strongest possible down payment when the right home appears.
SIP
- Fixed monthly amount — automated and consistent
- Builds your corpus steadily regardless of market conditions
- Ideal for salaried professionals saving month by month
Lumpsum
- Invest bonus, gift, or surplus immediately
- Accelerates your down payment corpus significantly
- Works alongside your running SIP without disruption
Your Home
- SIP builds consistently — lumpsum accelerates when surplus arrives
- Together they can cut years off your home buying timeline
Our Approach
A Structured Home
Purchase
Fund —
Built Around Your
Property Goal.
We sit with you, understand your target property value, down payment requirement, timeline and monthly investment capacity — then build a goal-based SIP + lumpsum structure that gets your home fund ready on time.
Understand Your Home Goal
Target property value, down payment requirement, location preference, timeline, and monthly investment capacity — all mapped clearly at the very first conversation.
Calculate the Down Payment Corpus
We factor in property price appreciation, your target down payment percentage, and timeline — working out the exact corpus you need to build and how to get there.
Set Up SIP + Lumpsum Structure
Monthly SIP alongside a lumpsum strategy for bonuses — in a suitable fund category matched to your timeline and risk appetite.
Review & Stay on Course
Annual review — adjusting as property goals, income, or timelines change — so your home fund stays on track no matter what.
Be Ready When Your Dream Home Appears.
Families who buy the home they truly want are the ones who were financially prepared when the opportunity appeared — not scrambling for funds, not settling for a smaller loan, not compromising on location.
“A well-built down payment corpus gives you the power to negotiate, to choose, and to say yes — without financial pressure on the most important purchase of your life.”
Who It Works
Your Home Purchase Fund Journey
With Thanki Wealth
Free Consultation
We understand your target property, down payment need, timeline, and monthly capacity.
Corpus Calculation
We calculate your down payment corpus factoring in property appreciation and timeline.
SIP + Lumpsum Setup
Monthly SIP + lumpsum strategy for bonuses — in a suitable fund category for your timeline.
Annual Review
We review and adjust as property goals, income, or timelines evolve year on year.
Why Build a Dedicated Fund
A Strong Down Payment
Changes
Everything About Your Home Purchase.
The size of your down payment directly determines your loan amount, monthly EMI, total interest paid over 20 years and your negotiating power with the seller. A well-built corpus puts you in the strongest possible position.
Smaller Loan. Lower EMI.
Every rupee of down payment reduces the loan amount — which means lower monthly EMIs, less interest paid over 20 years, and more financial freedom in your post-purchase life.
Buy the Home You Actually Want
Without a strong down payment, most families settle — for a smaller property, a less preferred location, or a property they outgrow quickly. A well-built corpus means no compromise on the home your family deserves.
Our Philosophy
Process. Discipline. Consistency.
That's How Your Home Fund Is Built.
We don’t time the market or predict price movements. We build a structured SIP + lumpsum approach — and stay with it consistently until your down payment corpus is ready.
Process
Right corpus target, fund category, monthly SIP amount, lumpsum deployment strategy, and review schedule — all structured around your property goal, timeline, and financial capacity from day one.
Discipline
Your SIP runs automatically every month. Lumpsum investments are deployed whenever a bonus or surplus arrives. Together, they build your home fund consistently — without daily decisions or market watching.
Consistency
Annual reviews, lumpsum deployments at the right time, and staying invested through every market cycle — this is what transforms consistent monthly contributions into a down payment corpus that is ready when your home is.
Who is This For
Anyone Who Wants To Buy
Their Dream Home Without
Financial Compromise.
Whether your target is 5 years away or 10, in a Tier-1 city or your hometown — there is a structured SIP + lumpsum approach suited to your timeline and property goal.
First-Time Home Buyers
We help first-time buyers build the down payment corpus systematically — so you arrive at the purchase table financially strong, with a clear-headed decision rather than a desperate one.
Upgrading to a Bigger Home
Your family has grown and your current home no longer fits. We help you build the additional down payment corpus needed for your next property — structured around your existing home equity and upgrade timeline.
NRI Home Buyers
Living abroad and want to buy property in India? We help NRI clients build a dedicated home purchase corpus with complete clarity, regular reviews, and full transparency — so you're financially ready when the right property appears.
Common Questions
Honest Answers About
Your Home Purchase Fund.
How much should I save as a down payment?
Typically 20–25% of the property value — which means ₹15–50 lakhs for most urban properties. The higher your down payment, the smaller your home loan, the lower your EMIs, and the stronger your negotiating position with the lender.
Should I use a SIP or lumpsum to build my home corpus?
Both together give the best outcome. A monthly SIP builds your corpus consistently, while lumpsum investments from annual bonuses accelerate it significantly. We structure both under one goal framework so your home fund grows as efficiently as possible.
My home purchase is 3–4 years away. Is it too late to start?
Not at all — but the monthly SIP will need to be higher. We calculate a realistic target for your timeline, identify a suitable conservative fund category to protect your corpus, and structure a SIP + lumpsum approach to maximise what you can build.
I'm an NRI. Can I build a home corpus in India?
Yes. NRI clients can invest in Indian mutual funds subject to applicable regulations. We guide NRI clients through eligibility, documentation, KYC, and fund selection — both SIP and lumpsum — with complete transparency and regular updates on their home corpus.
The Right Home Appears
Once. Make Sure
Your Down Payment Is Ready.
Book a free call today. We’ll understand your property goal, calculate your down payment corpus, and walk you through a structured SIP + lumpsum approach — at no cost and no obligation.