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How much cash cushion do you actually need? Enter your monthly expenses and find out.
Include all essential monthly costs: rent/EMI, food, utilities, transport, insurance, school fees.
Best balance of returns (6–7%) and accessibility (T+1 withdrawal). IDCW option for faster access.
Zero-day liquidity. Lower returns (~4%). Good for 1–2 months portion for instant access.
Tax-efficient (equity taxation after 1 year). Returns similar to Liquid Fund. Less immediate.
Safe but illiquid. Break penalty (0.5–1%) reduces returns. Only use if discipline is needed.
No returns. Inflation erodes value. Keep max 1 month here for true emergencies.
Emergency fund is the foundation. Now map your bigger financial goals.