3-6 month rule
Keep three to six months of expenses in accessible cash.
₹60.0K
₹10.0K₹10.00L
₹3.60L
target fund
How it works
An emergency fund exists so that a job loss or medical event does not force you to sell investments at the worst possible moment or borrow at credit-card rates.
Where it breaks down
Six months is a floor, not a ceiling. A single-income household, a volatile industry or dependent parents all argue for nine to twelve months.
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Illustrative only. These figures assume constant rates and do not predict actual returns. Markets, taxes and inflation vary. This is educational information, not financial advice — consult a SEBI-registered adviser before making investment decisions.