Hello dosto! Aaj hum personal finance ke ek bahut hi important topic par baat karne wale hain: Short-term investment plan . Aapne aksar dekha hoga ki jab hamari salary bank account mein aati hai, toh EMI, rent, ya kisi vendor ko payment karne se pehle wo paisa 5-10 din ke liye savings account mein hi idle pada rehta hai. Is article mein hum samjhenge ki is tarah ke short-term surplus cash ke liye kaunse options available hain, aur bank vs mutual funds mein kya farak hota hai. Quick Answer: Savings account liquidity aur emergency access ke liye zaroori hai. Lekin agar aapke paas surplus cash hai jo agle kuch din ya mahino tak use nahi hona, toh use bina wajah idle rakhne se inflation ke against purchasing power kam ho sakti hai. Overnight, Liquid aur Money Market Funds jaise options is surplus ke liye consider kiye ja sakte hain — inke returns market-linked hote hain, guaranteed nahi. Tax rules, SEBI regulations, redemption facilities, settlement cycles aur scheme-specific te...