How to Build an Emergency Fund in India 2025

 



Build Your Emergency Fund in 2025

Life is uncertain—job loss, medical bills, repairs. An emergency fund is your financial shield.

How Much to Save?

  • Single: 3 months’ expenses

  • Family: 6 months’ expenses

  • Retired/Self-employed: 9–12 months

What Counts as an Emergency?

✅ Job loss
✅ Medical bills
✅ Urgent car/house repair
❌ Not for holidays, shopping, weddings

Where to Keep It?

  • Savings Account – quick access

  • Sweep-in FD – better returns

  • Liquid Mutual Funds – money in 1 day
    (Keep ₹5k–10k cash at home)

Steps to Build It

  1. List your basic monthly needs

  2. Multiply by 3–6 to set goal

  3. Start small (₹500–1000/month)

  4. Automate savings

  5. Refill when used

Pro Tips

  • Don’t mix with investments

  • Keep it secure (passwords, OTPs)

  • Tell family where it is

💡 Think of it as your umbrella—you don’t need it daily, but when it rains, you’ll be grateful.

📞 Need help? Contact Wealthbeats Finserv: +91-9625565403

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