6 months emergency funds means it's meant to be your emergency stash in case you lost income and need enough to keep you afloat for 6 months, right... so there isn't a rush to snap your fingers and expect it to be available immediately or within hours, I hope?

For everyone who say FD isn't liquid or waiting a few days is too much.. tbh you can cash out your FD anytime, instantly, and if it's a true emergency then nobody really cares about the interest, I hope! Others have advised how to minimize FD damage in emergencies.

I keep a full flexi loan for when I need instant funds I can withdraw large sums within minutes. Then other slower funds replenishes it not long after.

Maybe it helps to differentiate investment goals/returns vs. expectation on liquidity vs. practical emergency uses. Even large sums of physical cash can't be raised so quickly in normal circumstances (where the emergency is a kidnapping etc.)