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Emergency Fund Guide (India)
Kitna emergency fund hona chahiye, kahan rakhe aur kaise banaye – ek complete beginner-friendly guide.
Emergency Fund Kya Hai?
Emergency fund wo paisa hota hai jo sirf unexpected situations ke liye rakha jata hai –
jaise job loss, medical emergency, accident ya urgent family expense.
Ye investment nahi, balki aapka financial safety net hota hai.
Emergency Kab Aati Hai?
- Job loss ya salary delay
- Medical emergency / hospital bills
- House repair ya sudden relocation
- Accident ya urgent travel
Emergency Fund Kitna Hona Chahiye?
- Salaried: 6 months ka monthly expense
- Freelancer / Business: 9–12 months ka monthly expense
| Monthly Expense | Emergency Fund |
|---|---|
| ₹15,000 | ₹90,000 |
| ₹25,000 | ₹1,50,000 |
| ₹40,000 | ₹2,40,000 |
Sirf essential expenses add karein – rent, food, EMI aur bills.
Emergency Fund Kahan Rakhe?
❌ Avoid Karein
- Stock market
- Crypto
- Long-term lock-in FD
✅ Best Options
- High-interest savings account
- Liquid mutual fund
- Short-term FD (no / low penalty)
Ideal strategy: 50% savings account + 50% liquid fund.
Emergency Fund Kaise Banaye?
- Monthly expenses calculate karein
- Target set karein (6x / 9x)
- Har month fixed amount save karein
- Bonus ya extra income ka hissa add karein
Emergency Fund vs Insurance
| Emergency Fund | Insurance |
|---|---|
| Instant cash | Claim process |
| Small-medium expenses | Big loss cover |
Recommended Investment & Demat Accounts
Emergency fund ready hone ke baad aap long-term investing start kar sakte hain.
Neeche trusted Indian platforms ke links diye gaye hain:
Disclaimer: Upar diye gaye kuch links affiliate links ho sakte hain.
Isse aapko koi extra cost nahi lagega.
Final Advice
Emergency fund pehle, investment baad me.
Strong emergency fund aapko financial stress aur debt se bachata hai.