Your monthly commitments
Food, utilities, transport, school fees, help — the things that do not stop
₹
₹35 thousand
Home, car, personal — total monthly
₹
Monthly average, so annual premiums divided by 12
₹
Your situation
One earner means you need a bigger buffer
10 is a very stable government or corporate job, 1 is fully variable or self-employed
Only money you can access within a day or two
₹
₹
₹10 thousand