Zindagi mein kabhi bhi unexpected kharche aa sakte hain — job chali jaaye, medical emergency ho jaaye, ya koi bada repair. Aise waqt mein agar aapke paas backup paisa na ho, toh aapko loan lena padta hai ya investments todni padti hain. Yahi par emergency fund kaam aata hai. Aaiye samjhein.
Emergency fund woh paisa hai jo aap sirf emergencies ke liye alag rakhte hain. Yeh aapke regular savings ya investments se alag hota hai. Iska ek hi maqsad hai — mushkil waqt mein aapko financial security dena taaki aapko karza na lena pade.
General rule yeh hai ki aapke 6 mahine ke kharchon ke barabar paisa emergency fund mein hona chahiye. Agar aapka monthly kharcha ₹30,000 hai, toh aapke paas kam se kam ₹1.8 lakh emergency fund hona chahiye. Jin logon ki income unstable hai (freelancers, business owners), unhe 9-12 mahine ka fund rakhna chahiye.
Emergency fund aise jagah rakhein jahan se aap turant nikaal sakein. Best options hain: savings account, liquid mutual funds, ya short-term FD. Ise stock market ya long-term investments mein na lagayein, kyunki emergency mein aapko turant paisa chahiye hota hai.
Emergency fund financial planning ka foundation hai. Investment se pehle, sabse pehle apna emergency fund banayein. Yeh aapko un mushkil waqt mein bachayega jab sab kuch galat lag raha ho. Aaj se hi chhoti amount se shuruat karein. Apne monthly kharche samajhne ke liye hamare Budget Planner ka use karein.