Financial Calculators
Plan Your Numbers
Know your EMI before you sign. Know your wealth before you invest.
SIP + SWP Wealth Strategy
Let your mutual fund pay your EMI — and still build a corpus
Home Loan Rate8% p.a.Fixed
Mutual Fund Return12% p.a.Fixed
Home Value (Loan Amount)₹50.00 L
₹10.00 L₹5.00 Cr
Initial Investment (Down Payment)Invested in MF on Day 110% — ₹5.00 L
₹5₹50
Loan Tenure20 yrs
₹5₹30
Monthly SIP = Monthly EMI₹37,640/moAuto
Loan Amount₹45.00 Lafter down payment
Monthly EMI = SIP₹37,640
Lump Sum Invested₹5.00 LDay 1 in MF
Corpus at Month 24₹6.35 Lbefore SIP/SWP starts
+4%
The Spread That Builds Your Wealth
Your MF earns 12% p.a. while your home loan costs only 8% p.a. — the 4% annual spread on your corpus keeps compounding silently, building wealth even as the SWP pays your EMI.
At End of Loan Tenure (20 years)
Corpus at Tenure End₹54.46 Llump sum grown at 12% for 20 yrs
Wealth Created₹40.43 Lcorpus minus pocket outflow
Total Interest Paid₹45.34 Lcovered by SWP from month 25
Initial investment — 9%Growth (12% compounding) — 91%
Initial investmentGrowth (12% compounding)
Your total pocket outflow: ₹5.00 L (lump sum) + ₹37,640 × 24 EMIs = ₹14.03 L
From month 25, SWP of ₹37,640/mo pays your EMI — your SIP continues to build the corpus simultaneously.
The Sambekai Strategy: Invest ₹5.00 L in a mutual fund on Day 1. Pay EMI from your pocket for 24 months. From month 25, your SIP of ₹37,640/mo continues to build the corpus while SWP of the same amount pays your EMI — the fund services the loan. The 4% spread between MF returns (12%) and loan cost (8%) keeps compounding on your corpus. At the end of 20 years, your home loan is fully repaid and your corpus stands at ₹54.46 L.
Phase 1
Months 1–24
- ›Invest ₹5.00 L lump sum in mutual fund
- ›Pay EMI of ₹37,640/mo from your pocket
- ›Corpus grows at 12% p.a.
Phase 2
Month 25 onwards
- ›SIP of ₹37,640/mo starts (= EMI)
- ›SWP of ₹37,640/mo pays your EMI
- ›Your pocket is now free!
Year 20
End of loan tenure
- ›Home loan fully repaid
- ›Corpus = lump sum grown for full tenure
- ›Net wealth = Home + Corpus
* These are indicative figures for planning purposes only. Actual EMI and returns may vary based on lender terms and market conditions. Consult a Sambekai advisor for personalised guidance.