| Emergency Funds | |
|---|---|
| Monthly Expenses | |
| Existing Funds | |
| Required Funds | |
| Excess/Shortfall | ₹ 100,000 |
| Coverage Analysis: | |
|---|---|
| Adequacy Ratio | 117 |
| Current Coverage (Months) | 7.0 |
| Status | ADEQUATE |
| Recommended Action | SURPLUS: 1,00,000 |
| Recommended Allocation: | ||||
|---|---|---|---|---|
| Instrument | Approx Return (p.a) | Liquidity | Allocation | Amount |
| Arbitrage Funds | 6-8% | (T+2/T+3) | % | ₹ 300,000 |
| Liquid Mutual Fund | 5-6% | T+1 | % | ₹ 210,000 |
| Sweep-in FD | 6-7.5% | Instant | % | ₹ 90,000 |
*Arbitrage Funds are taxed as Equity Funds thereby enjoying equity taxation benefits
Emergency Fund Comparision
Emergency Fund Allocation
₹ 90,000
₹ 300,000
₹ 210,000
Arbitrage Funds
Liquid Mutual Fund
Sweep-in FD