If you want to buy a ₹35 lakh property, the actual cost might be closer to ₹40 lakh, factoring in additional expenses. With banks typically disbursing up to 80% of the property cost as a home loan, you'd get around ₹28 lakh. Using mutual funds SIP (Systematic Investment Plan) with the surplus home loan EMI could yield around 12% annual return over 20 years.