Eswari Guduru
Guduru Anantha Eswari Rajeswari · AMFI MFD ARN-309076
AP Kotak Securities INZ000200137 · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796
Investment Proposal
Emergency Fund Calculator

Emergency Fund Calculator India — How Much to Keep in Reserve

Emergency Fund Calculator

How much should you keep in liquid savings before starting a SIP? Your emergency fund protects your investments from being disrupted by life's surprises.

Your Monthly Obligations
Include only savings accounts and liquid FDs — not equity, PF, or locked investments
6 mo
3 mo (Single income) 6 mo (Standard) 12 mo (Business owner)
Target Emergency Fund
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Where to Park Your Emergency Fund
✓ Liquid Mutual Fund — Same-day redemption, ~7% return, better than savings account. Best for ₹50,000+
✓ Savings Account + Sweep FD — Instant access, DICGC-insured, suitable for 1–2 months cover
✗ Not Equity MF — Market can be down 30% when you need money most
✗ Not PPF/ELSS — Locked in. Cannot be accessed during emergency
Disclaimer: Emergency fund recommendations are general guidelines. Individual circumstances vary. Liquid MF returns are indicative. Consult a SEBI Registered Investment Adviser (RIA) for advice tailored to your situation. ARN-309076.
Discuss with Eswari ← All Calculators
Eswari Guduru (ARN-309076) · Guduru Anantha Eswari Rajeswari · AMFI Registered Mutual Fund Distributor · Authorised Person — Kotak Securities Ltd (INZ000200137) · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796 · eswariguduru.com
All projections are for illustration only. Returns not guaranteed. Constant assumed rates — actual MF returns fluctuate. Not investment advice. Not a SEBI Registered Investment Adviser. Read all scheme documents before investing. Tax calculations, where applicable, use FY2026-27 slabs — consult a CA for personal advice.