--- title: SIP for Emergency Fund canonical_url: https://sanchaykaro.com/sip-for-emergency-fund/ last_updated: 2026-11-14T10:16:28+00:00 plugin_version: 1.2.3 --- # SIP for Emergency Fund Emergency Fund · Sanchay Karo Goal: Emergency Fund Build Your Emergency Fund for ================================= Be ready before life surprises you. Enter your income and expenses, and Sanchay Karo recommends a **6, 9, 12 or 15-month target plan** to build a safety cushion in low-risk funds. [ Get the App](https://play.google.com/store/apps/details?id=com.sanchaykaro.sanchay&pcampaignid=web_share) [ Plan My Fund](#calculator) AMFI ARN-301757 Paperless KYC Goal-based planning **Why an emergency fund**ESSENTIAL **6–12 months of expenses**A common safety-cushion goal **Low-risk fund categories**Liquid & similar funds **Target-based plan**6 / 9 / 12 / 15-month duration **AMFI registered**ARN-301757 **0 Months**Starter target plan **0 Months**Balanced target plan **0 Months**Strong target plan **0 Months**Relaxed monthly amount Why [Sanchay Karo](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757 "Sanchay Karo")A safety net that builds itself ------------------------------- Set your target once – we help you work out how much to put away every month. ### Ready for emergencies Medical bills, job loss, urgent repairs – a fund set aside in advance keeps you from borrowing or breaking long-term goals. ### Based on your numbers Enter your income, expenses, existing investments and expected return – the plan is built around your own budget. ### Choose your duration Reach your target in 6, 9, 12 or 15 months. Shorter means a bigger monthly amount; longer means a lighter one. ### Low-risk funds Emergency money is usually kept in liquid and similar low-risk categories, which are generally less volatile than equity funds. ### 100% digital Paperless e-KYC, e-mandate and investing – all inside the Sanchay Karo app. ### Your name, your folio Units are allotted in your own folio with the AMC – never held by Sanchay Karo. Plan Your Fund See your emergency fund plan ---------------------------- An illustrative planner – your final recommendation is shown inside the app. Monthly income (₹) Monthly expenses (₹) Existing monthly investment (₹) Expected return (% per year)Emergency cover you want 6 months9 months12 monthsBuild it in 6 months9 months12 months15 months Target emergency fund ₹1,50,000 6 months of your expenses Invest every month for **9** months ₹0 Budget left after expenses and existing investments: **₹0**/month. Illustrative only; returns are not guaranteed. Simple & Digital How to build your emergency fund -------------------------------- Six simple steps – they light up automatically. 1### Download the App Get the Sanchay Karo app free from Google Play or the App Store. 2### Complete KYC & Mandate Paperless KYC with Aadhaar & PAN, then set up your e-mandate. 3### Click Goal Based Investment Open the Goal Based Investment section and choose Emergency Fund. 4### Enter Your Details Type your monthly income, monthly expenses, existing monthly investment and expected return %. 5### Get Our Recommendation Sanchay Karo recommends a duration-based target – 6, 9, 12 or 15 months. 6### Do Invest Confirm the plan and complete your investment. When It Helps Be ready for the unexpected --------------------------- Medical emergency Job loss or income gap Urgent home repair Vehicle breakdown Sudden family travel Unplanned bills Fee deadline Peace of mind FAQ Quick answers ------------- How big should my emergency fund be?A common guideline is 6 to 12 months of your essential monthly expenses. People with irregular income or more dependants often prefer 9 to 12 months or more. What do the 6, 9, 12 and 15-month options mean?They are the time you take to build your target fund. A shorter duration needs a larger monthly amount; a longer duration needs a smaller monthly amount. Sanchay Karo recommends a duration that fits your budget. Which details do I need to enter?Your monthly income, monthly expenses, existing monthly investments and the return you expect. These help work out a monthly amount that fits what you can comfortably save. Where is my emergency money invested?Typically in low-risk categories such as liquid funds. These are generally less volatile than equity funds, but they are not risk-free and returns are not guaranteed. Can I withdraw when I need money?Yes, you can redeem when needed. Redemption timelines depend on the scheme; regular redemption is usually credited by the next working day (T+1), and instant redemption may be available on some funds up to the lower of ₹50,000 or 90% of the investment. Is the expected return guaranteed?No. The expected return you enter is only an assumption for planning. Actual returns depend on market performance and may be higher or lower. Ready to start your Emergency Fund? ----------------------------------- Download the app and set up your plan in minutes, talk to our team, or book a free 30-minute meeting. [ Download on Google Play](https://play.google.com/store/apps/details?id=com.sanchaykaro.sanchay&pcampaignid=web_share) [ Download on App Store](https://sanchaykaro.com/App) [ Talk to SanchayKaro](https://sanchaykaro.maxwealth.money/lead/H5hnxbQi) [ 30 Minute Meeting](https://calendly.com/financialfreedoom/30min)#### Important notes & risk disclosure - The planner on this page is illustrative. It assumes the return you enter and monthly compounding; actual returns are not guaranteed and may be lower or higher. - Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. - Past performance does not guarantee future returns. Liquid and similar funds are low-risk, not risk-free. - Redemption timelines and any instant-redemption facility depend on the scheme and AMC rules; check exit load and expense ratio before investing. - Sanchay Karo is an AMFI-registered mutual fund distributor (ARN-301757). We do not provide investment advice. - This page is for information only and is not an offer or solicitation to invest.