I think you should talk to bank head or checkout the different banks ways of saving as they offer saving account that can be withdrawn after a certain period and if in most daunting situation there are chances for you to take a loan on your saving amount like FD and then when you have that certain amount you can repay and can also start your saving as usual. They also provide a monthly interest for you on saving account. So, isn't it a good idea. It would be great if you re check the different interest rate price in different banks for investing in a profitable bank and thereby saving more.