Smart Saving practice every individual should build today

Saving money is deeply rooted in our culture. From childhood, most of us are taught to save for “a
rainy day.” Yet, despite this habit, many of us struggle to manage expenses, handle emergencies, or
achieve financial stability.
Saving is not just about “a rainy day.” —it’s about saving the effective way.

Why saving is important
We come across with unique financial responsibilities:
 Contingency Fund {emergency fund)
 Children’s education {yearly fees}
 Job uncertainty
 Family commitments
Without suitable savings, even a small emergency can push a family into debt.

Saving gives you:
 Peace of mind
 Financial security

How Much we Should Save From our regular Income?
Start with 10% and gradually increase it.

Example:
If your monthly income is ₹50,000:
 Try to save at least ₹5,000 or more every month
Develop a consistent saving practice

Which are the options to keep Savings?
Banks / Post office
 Savings bank account {SB}
 Short-term fixed deposits {FD}
Mutual funds {*}
 Overnight fund
 Liquid fund {Exit Load applicable} { # }

Best Saving Options (Low Risk)

1. Savings Bank Account / Post Office Saving Schemes
    Easy access
    Good for conservative savers
    Best for emergencies and day-to-day use
   
2. Bank / Post – Fixed Deposits (FDs)
    Safe and stable
    Fixed Interest
    Ideal for short-term goals {1 to 2 years}
   
3. Bank Recurring Deposits (RDs)
    Suitable for beginners
    Encourages saving discipline
    Perfect for monthly savers

4. Overnight Funds {*}
    Suitable for beginners in Mutual Fund
    Lowest risk
    Withdrawable in 1 working day
   
5. Liquid Funds
    Slightly higher return than Overnight funds
    Lowest risk
    Exit Load applicable
   { * } A mutual fund “Exit Load Applicable” means a fee is charged if investors exit a scheme partially or fully before a specific time.
   
   { * } – Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

Connect with EstaFin Investments {AMFI registered Mutual Fund Distributor ARN-270150} to
discover effective saving strategies, goal-based investments, and comprehensive insurance solutions
aligned with your financial aspirations.