Emergency fund complete.

₹15,00,000

You built a 6-month buffer in 2 years, 3 months. This is exactly what a solid foundation looks like, Rajiv.

MIA · congratulations

This is a quiet but enormous milestone.

Emergency funds don't feel glamorous while you're building them, but they're what lets you stay invested in the growth bucket through a bad year. This is you earning the right to take long-term risk everywhere else.

What would you like to do next?

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Redirect the ₹12k SIP to Aanya's MBBS goal

MIA's recommendation — your highest-priority long-term goal benefits most from the extra SIP.

Set a new goal

Start a fresh goal — MIA will help you size it and suggest an SIP.

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Withdraw a portion

Move some or all of the ₹15 L to your HDFC Bank account.

Keep as-is, mark maintained

Leave the corpus in place — BYLD will flag it if inflation erodes the buffer.