Safety first
Build your emergency fund — 6 months in 12 weeks
Emergency fund = 6 months of expenses, in liquid + safe instruments. ₹50K monthly expense = ₹3L target. With a ₹25K SIP into a liquid fund, you hit it in 12 weeks. Without it, one job loss or medical emergency derails years of investing. This is the FIRST thing every Indian should build.
Why this hub
Most articles say 'build emergency fund' but don't say where, how much, or how fast. We do — with the specific liquid funds, sweep accounts, and FD ladders that fit Indian salary patterns.
Where to start
- Priority 1
Liquid mutual funds
Higher return than savings, T+1 redemption, no exit load after 7d.
- Priority 2
Sweep-in FD
Best of both: savings liquidity + FD return on idle balance.
- Priority 3
FD ladder
Split corpus across maturities for steady access + better blended rate.
- Priority 4
Health insurance (priority over EF)
Single biggest medical-emergency derailer. Cover before saving.
Read these next
Calculators for you
Regulatory + scheme rules
- Liquid MF: capital gains taxed as per slab (no indexation post-2023)
- Sweep-in FD: typically minimum ₹25K, sweeps in ₹5K-10K chunks
- Health insurance: get this BEFORE building emergency fund — single illness can wipe out years of savings
Not sure where to start?