Aapne shayad Google pe search kiya hoga Emergency Fund Kaise Banaye? Emergency Fund Kaise Banaye? (2026 Beginner’s Easy Method:
“Emergency fund kaise banaye?”
“Kitna hona chahiye?”
“Kahan rakhein?”
Main aapko seedha, simple aur practical jawab dene wala hoon.
Koi complicated finance language nahi. Sirf real baat.
Sabse Pehle – Emergency Fund Hota Kya Hai?
Agar aapko lagta hai emergency fund matlab koi special investment plan tho nahi.
Emergency fund bas ek safe paisa hota hai jo aap tab use karte ho jab:
- Job chali jaye
- Ghar mein medical issue aa jaye
- Achaanak bada kharcha aa jaye
Iska purpose paisa badhana nahi hai.
Iska purpose tension kam karna hai.
Main ise simple words mein bolta hoon:
Emergency fund = Financial seatbelt.
Gaadi chalate waqt accident daily nahi hota.
Lekin seatbelt phir bhi lagate hain.
Reader Ka Sabse Common Sawal: Kitna Emergency Fund Hona Chahiye?
Aap shayad yahi soch rahe ho:
“Mere paas zyada income nahi hai, main kaise banaun?”
Simple formula yaad rakhiye:
3–6 months ke expenses.
Agar aapka monthly kharcha ₹20,000 hai,
to ideally ₹60,000–₹1,20,000 tak target ho sakta hai.
Lekin ruk jaiye.
Aap beginner ho, to aapka first goal sirf ye hona chahiye:
- Pehle ₹5,000
- Phir ₹10,000
- Phir ₹25,000
Step by step. Pressure nahi lena.
Main Agar Aapki Jagah Hota To Kya Karta? (2026 Method)
Agar aaj koi mujhse pooche:
“Ajmal bhai, emergency fund kaise shuru karun?”
To main ye bolta:
Step 1: Ek Separate Account Open Karo
Emergency fund ko daily spending account mein mat rakho.
Alag account rakho — mentally bhi safe feel hota hai.
Step 2: Income Ka 10% Side Mein Rakho
Agar ₹15,000 income hai
to ₹1,500 side mein.
Agar ₹10,000 income hai
to ₹1,000 bhi chalega.
Consistency important hai.
Step 3: Isko Investment Mat Samjho
Yahan log galti karte hain.
Emergency fund ko:
- Stocks mein mat daalo
- Crypto mein mat daalo
- Risk mat lo
Isko savings account ya short FD mein rakho.
Emergency fund ka rule simple hai:
Safe + Accessible.
Ek Aur Sawal: Kya Main SIP Start Karun Ya Emergency Fund Pehle Banaun?
Agar aap beginner ho,
to pehle emergency fund.
Kyun?
Sochiye:
Agar kal emergency aa gayi
aur aapka paisa market mein fasa hai,
to aap panic mein investment tod doge.
Emergency fund investing ko protect karta hai.
Log Kaunsi Galti Karte Hain?
Main honestly bata raha hoon:
❌ “Mere saath kuch nahi hoga” sochna
❌ Emergency fund ko shopping ke liye use kar lena
❌ Sirf sochna, shuru na karna
Emergency fund boring lagta hai.
Exciting returns nahi deta.
Lekin peace of mind deta hai.
Aur peace priceless hota hai.
Agar Aap Aaj Start Karna Chahte Ho To Ye Karo
Abhi ke abhi:-Emergency Fund Kaise Banaye? (2026 Beginner’s Easy Method )
- Apne monthly expenses likho
- Ek realistic target set karo
- Aaj ₹500 bhi side mein rakho
Perfect plan ka wait mat karo.
Action small ho sakta hai,
lekin impact bada hota hai.
Final Baat (Seedhi Aur Sachchi)
Emergency fund koi fancy concept nahi hai.
Ye bas itna karta hai:-Emergency Fund Kaise Banaye? (2026 Beginner’s Easy Method
- Aapko loan lene se bachata hai
- Aapko panic selling se bachata hai
- Aapko stress se bachata hai
Agar aap investing journey start kar rahe ho,
to 2026 mein sabse smart first step ye hi hai.
Aaj ek choti saving karo.
Kal ka tension kam ho jayega.
Agar aap soch rahe hain ki emergency fund kaise banaye, to upar diya gaya simple method follow karein
✍️ — Ajmal
FAQs (Jo Log Mujhse Puchte Hain)
1. Kya ₹500 se emergency fund start kar sakte hain?
Haan. Habit amount se zyada important hai.
2. Kya FD emergency fund ke liye sahi hai?
Short-term FD chalegi, bas paisa easily withdraw ho sake.
3. Kya credit card emergency fund ka alternative hai?
Nahi. Credit card debt create karta hai.
4. Kya main SIP aur emergency fund saath bana sakta hoon?
Haan, lekin beginner ho to pehle emergency fund strong karo
READ ALSO :-
https://ajmalwealth.com/what-is-wealth-management-read-all-4/
https://www.morganstanley.com/articles/how-to-build-an-emergency-fund