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  1. W

    Closing costs checked, but is ₹1.086m enough cash for a Mumbai villa?

    Do not mix the emergency fund with expected annual or recurring bills. A predictable bill is not an emergency, even if it is paid from the same bank balance.
  2. W

    ₹3,507,000 cash left after buying a 1-bed Bengaluru townhouse — how should I divide it?

    Would the townhouse be habitable with your current belongings on day one? If yes, your furniture budget can be close to zero initially. If not, list the exact essentials and price only those. That distinction could preserve a meaningful part of the ₹3,507,000.
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