Can’t spare ₹12 L lump-sum for down-payment? Our Real-Estate SIP guide shows how a monthly ₹30 k systematic investment in short-duration debt fund (8%) and aggressive hybrid fund (11%) can grow to ₹12.3 L in 36 months, assuming 70:30 allocation re-balanced yearly. We explain goal-setting, fund selection (low expense, high Sortino), tax implications (20% LTCG post indexation) and risk-mitigation via STP. Case study: 28-year-old IT engineer targets Kharghar 2 BHK costing ₹85 L in 2028; SIP route beats traditional RD by ₹1.1 L. Download the Excel calculator & automate via bank biller. Keywords: real estate SIP, down-payment planning, mutual fund investment.