Imagine not being able to access your rainy day fund when crises come pouring down on you. That’s exactly the situation 55-year-old Borivli resident Niranjan Vaidhya has found himself in after he got admitted to a hospital with chest pain recently, and was told that he had a 90% blockage in his arteries and would have to undergo an angioplasty immediately.

Niranjan Vaidhya