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As an illustration, not a recommendation: ₹750,000 emergency savings, ₹150,000 moving and initial bills, ₹300,000 for urgent work, ₹150,000 for basic furniture, and ₹153,000 as an unassigned contingency. That totals ₹1,503,000. But I would only use that split if ₹750,000 represents a reasonable...

Have you received a written possession-day breakdown from the developer or seller? “Closing costs” can mean different things, and service charges or utility setup may sit outside that estimate. Also, will your emergency fund need to cover one income or two? Those missing facts would change my...