Tech Layoffs Rising: Is Your EMI Safe? — Sep 2026

Mass layoffs in big tech are back. If you're a salaried professional with EMIs, home loans, or credit cards, now is the time to check whether your finances can survive a sudden job loss.

Here's what happened: Oracle is reportedly planning to cut nearly 3,000 jobs in India starting September 2025, affecting up to 10% of its Indian workforce of around 30,000 employees.. This is part of a broader global restructuring wave hitting large technology companies, with India's tech hubs among the most exposed due to high headcount concentrations.. The exact teams and functions to be affected are not yet confirmed, creating uncertainty for thousands of salaried professionals who hold EMIs and financial commitments..

What you should do: Calculate your total monthly fixed outgo — EMIs, rent, insurance, SIPs, school fees — and check if your savings can cover at least 3 months of it without any income.. Call your home or personal loan lender today and ask specifically whether a job-loss moratorium or EMI pause option exists on your loan account, before you ever need it.. Review your health insurance immediately — if you depend entirely on your employer's group cover, buy an individual or family floater policy now so you are not uninsured the day you leave..

Park your emergency fund in a liquid mutual fund, not a savings account — you get better returns than 3.5% and can still withdraw within one business day if a crisis hits.