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Emergency Fund — How Much You Need and Where to Keep It

📅 07 Aug 2026 ⏱️ 5 min read ✍️ Bhaskar G.

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An emergency fund is money kept aside for unexpected events — job loss, medical emergency, car breakdown, or family crisis.

Salaried: 6 months expenses. Self-employed: 9-12 months. Keep in savings (30%), liquid fund (50%), short FD (20%).

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