u/Narrow-Possible-5376

I am 25 and earning ~44k/month in india. For the last 5 months I have been saving 10k in a separate bank account as an emergency fund. Doing 5k SIP (diversified into 4 category by splitting that 5k) for 5 months along with that savings and set 10% step up for every year. Now created a FD ladder for that 50k by splitting into a 3 year cycle, leaving 10k for liquidity until next month's salary. I planned to reach 1 lakh as an emergency fund and put them in the FD ladder, followed by reducing savings to 5k and transfer that another 5k to SIP. As I am already tracking monthly expenses, it is easy to save 15k per month and the family does not depend on me. Am I on the right track?