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Saving and Investing

Start with an Emergency Fund

Save enough to cover 3–6 months of your basic expenses. Keep this money in a high-interest savings account or a fixed deposit for safety.

Invest with SIPs and PPF

Use SIPs in mutual funds for market-linked returns. For safer options, consider PPF or NPS, which help with tax savings and retirement planning.

Opening a Demat Account

To invest in mutual funds or stocks, you’ll need a Demat account. You can open one online using platforms like Zerodha or Groww with just a PAN and Aadhaar.
 

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