Should I take personal loan to purchase land now instead of SIPs for next 10 years?

THE PROFILE

* Household Type: Dual income, Central and State Government employees.

* Age: Both turning 30 this year.

* Income (Self): State Govt, Net 50,000 per month after GPF and HRA deductions.

* Income (Wife) Central Govt, Net 80,000 per month after NPS and HRA deductions.

* Total Net Inflow: 1.30 Lakh per month ( monthly expenses includes)

THE SAFETY NET

* Pension and Benefits: I am under Old Pension Scheme (OPS) with state health coverage; wife has NPS.

* Housing: Residing in government housing; ancestral homes available, so no future construction is needed as of now. Neither of us like metro city lifestyle.

* Dependents: Parents are financially independent and have their own health insurance.

* Child Planning: Planning for a child in 2 years; school education is free for two children.

CURRENT INVESTMENTS

* Equity: Monthly SIPs worth 40,000 in Mutual Funds.

* Career Growth: Positions are subject to future Pay Commissions and promotions, salary growth over time.

THE PROPOSED MOVE

* The Loan: Securing a 25 Lakh personal loan at 10.85% pa, borrowing from family.

* The Purchase: 5 Bighas of agricultural land in our ancestral village.

* The Strategy: Redirecting the full 40,000 SIP amount to pay the EMI over a 7 to 10 year tenure.

* The Plan: Passive orchard or timber farming for long-term value.

THE RATIONALE

* Scarcity: Land is a finite resource compared to gold or other liquid assets.

* Fragmentation: Buying now prevents the land being fragmented.

* Market Dynamics: Local land prices are currently increasing rapidly.

THE QUESTION

Given our security and the safety net provided by government benefits, is it a wise decision to trade our equity liquidity for a decade to secure this land? What's the opportunity cost?