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Car repair? Medical emergency? Unpaid rent?
Life hits hard when you least expect it—and your wallet may not be ready.
Most Indians face at least 3 unplanned expenses a year, and without a buffer, it often leads to borrowing at high interest or missing EMIs.
💡 That’s why building an emergency fund is one of the smartest financial moves you can make—and you can start today, even with a modest salary.
Let Vizzve Finance show you how.
Why You Need an Emergency Fund
🚨 Medical emergencies
🚘 Unexpected travel or vehicle repair
🧾 Job loss or delayed salary
🧑🎓 Family responsibilities
💡 Bill spikes or tech/device breakdowns
Without a fund, most turn to:
Credit cards at 36–42% interest
Unreliable lenders
Delaying essential payments (hurting credit)
Instead, build a cushion that protects—not punishes—you.
How Much Should Your Emergency Fund Be?
✅ Minimum: 1 month of expenses (quick buffer)
✅ Ideal: 3–6 months of monthly expenses (long-term safety net)
👉 If your monthly expenses are ₹25,000, aim for at least ₹75,000–₹1,00,000 over time.
How to Build a Quick Emergency Fund—Even with a Tight Budget
✅ 1. Start Small—Even ₹500/Week Works
Every rupee counts. You don’t need a lump sum—just consistency.
📲 Use Vizzve’s “Auto-Save” to round up every spend (ex: ₹93 auto-saves ₹7) to your emergency fund.
✅ 2. Cut 3 Small Expenses for 90 Days
Trim things like:
Weekly takeouts 🍕
OTT subscriptions 📺
Impulse online purchases 🛒
Then, redirect that money into your fund.
💡 Vizzve’s Budgeting Tool shows exactly where you're overspending.
✅ 3. Set Up a Dedicated Emergency Wallet
Keep your emergency fund separate from your regular account to avoid accidental spending.
💼 Vizzve’s Emergency Wallet feature auto-locks the money for crisis-only use.
✅ 4. Use Instant Loans Wisely in Emergencies
While you’re building the fund, Vizzve’s Instant Salary Loan can be a safe bridge.
Disbursal in under 10 minutes
Low interest (starts from 1.25%)
Repay in 30–90 days
No credit card or CIBIL history needed
💸 Avoid taking payday loans or credit card advances.
✅ 5. Refill After Every Emergency
Used your fund? No worries—just rebuild slowly again.
📊 Vizzve’s Emergency Fund Tracker gives you reminders, progress milestones, and motivational nudges.
Vizzve Finance Tools to Help You Save Smart & Fast
| Tool | Benefit |
|---|---|
| Auto-Round Up Savings | Turns spare change into safety cash |
| Budget & Spend Insights | Identifies areas to cut & redirect to savings |
| Emergency Fund Wallet | Keeps the fund untouched until truly needed |
| Instant Salary-Linked Loans | Fallback during fund-building phase |
| Smart Notifications | Encourages weekly deposits |
FAQs
Q1. I earn less than ₹25,000/month. Can I still build an emergency fund?
A: Absolutely! Start with ₹100/week. With Vizzve’s Auto-Save, even your digital payments can contribute without extra effort.
Q2. Can I withdraw from the Vizzve Emergency Wallet anytime?
A: Yes, but we encourage withdrawal only for emergencies through smart alerts and prompts.
Q3. Does the emergency loan affect my credit score?
A: Only if repaid late. Vizzve supports first-time borrowers and responsible credit behavior.
Q4. Can I use Vizzve even if I’m a freelancer or gig worker?
A: Yes, anyone with a steady income stream and valid KYC can access Vizzve tools.
Conclusion
You don’t need to be rich to be financially prepared. You just need a plan—and a platform that supports your journey.
With Vizzve Finance, building an emergency fund is no longer a burden—it’s a habit.
📲 Download the Vizzve app today and start your Emergency Fund in under 5 minutes. Your future self will thank you.
Published on : 6th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.