Greetings,

Need opinions on the following:

1. I place FD (maturity: 1mth) whenever my account hits 5k
2. I'm currently serving my home loan (progressive payment kicks in) - full flexi loan to be exact.

Should I relocate my FDs to this loan account?
And instead of placing new FD - should I just transfer my savings to this loan account?

I read about the emergency fund in FD (3-6 months) .. but since this is a full flexi loan - I should be able to withdraw whenever I need?

Any comments will be much appreciated!