Goal SIP for Emergency Fund — 6 Months Expenses

For ₹3 lakh emergency fund (6× ₹50K) in 2 years: SIP ₹11,862/month in a liquid fund at 6%. Keep emergency funds in liquid/overnight funds for instant access, not equity.

Target Corpus (₹)

Time Horizon (years)

Expected Return (% p.a.)

Required Monthly SIP

₹19,819

Total You'll Invest

₹35,67,352

Estimated Returns

₹64,32,648

Works backwards from your target to find the monthly SIP you need to start today. Mutual fund returns are market-linked. Past performance is not guaranteed.

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Common questions about Goal SIP for Emergency Fund — 6 Months Expenses

Where should I keep my emergency fund?

Emergency funds should be in high-liquidity instruments: liquid mutual funds (instant redemption up to ₹50K), savings account, or overnight funds. Never in equity, FDs with lock-in, or PPF. Goal: instant access within 1-2 hours.