Fixed income & safety

Where to keep money you cannot afford to lose: runway, an emergency fund, and the safe Indian instruments (PPF, NPS, debt funds) and what each is for.

What founders use for fixed income & safety, ranked by how many answers lean on it.

  1. The free, India-first grounding in what to do with cash once you have it: goals, allocation, SIPs, and not losing it to fees. Zerodha Varsity Course Personal Finance Zerodha Varsity In 9 answers
  2. A no-nonsense, ad-light India personal-finance site: plain math and free calculators for emergency funds, goals, and asset... Freefincal Tool Freefincal: goal-based planning and calculators M. Pattabiraman In 6 answers
  3. A trusted India-first place to compare funds and think about where cash goes once you have some to invest. Value Research Tool Value Research: fund research and planning Value Research In 4 answers

The questions

Where to park cash you cannot risk 7

The runway and emergency money that has to be there the moment you reach for it.

Where should I keep cash I might need in a year? 3 → Are fixed deposits still worth it for a founder? 2 → How many months of expenses should I keep as an emergency fund if I'm a founder? 2 → Should I keep my personal emergency fund separate from company runway? 2 → What is a liquid fund, and is it a good place for money I might need next month? 3 → All 7 questions in Where to park cash you cannot risk →
PPF, NPS, FDs, and debt funds 7

The safe corners of an Indian portfolio, and what each one is actually for.

Are PPF and NPS worth it for a founder? 4 → What is a debt fund, and when should I use one? 4 → How is the interest on my FDs and debt funds taxed in India? 3 → Are Sovereign Gold Bonds a safe way to hold part of my savings? 2 → Should I lock money in PPF when I might need it for the startup? 3 → All 7 questions in PPF, NPS, FDs, and debt funds →
eChai Partner Brands The partnership →