How much money of our savings should be kept in FD/emergency funds as equity goes to long term?

Credit cards don't work well if you have to transfer the money to a family member on an urgent basis. Been there.

Try to keep liquidy in cash. When you have enough built up in FD or a separate bank. You get to sleep peacefully.

As a rule of thumb, you should have at least 6 months of expenses saved as an emergency fund

Emergency fund depends. You've a good Credit Card with min 2L limit? Then don't worry about quick liquidation, but osmething that can be taken in 3-4 days. FD of max 1L with 7-8% returns. Good Medical and Term Insurance set? Then you're set, nothing big than that will be required unless someone blackmails you for money 😂

Well : depending upon

1. 6 months expenses basic
2. Credit cards you have
3. 2 lakh in Saving

Thats it.