I’m reviewing my retirement plan and wondering if the Atal Pension Yojana is still worth it. With prices rising so quickly, will a fixed ₹5,000 pension even be enough to buy groceries in 20 years? Would I be better off investing that money in something like the NPS, where it can actually grow, even if there’s no 'guarantee'?

Hi

My friend advised me to keep some emergency funds on hand in case of unexpected circumstances. I am earning ₹25,000K per month. After all the expenses, I can save only ₹5k to ₹7k at the end of the month.

I have only one salary account, and I live with my parents. So, what is the process to save an emergency fund?