Where to keep Emergency fund?

Guys i need advice on where to keep my emergency fund i have a saving of around 5 lac and i dont want them to be lying in my current account as i fear i might spend them and mainly because of inflation the value will come down
please suggest me which fund do u use. the things i am looking for are listed

I want to keep them in a Low risk fund where it is nearly impossible that i will loose my 5 lac
also whenever i need them i need instant withdrawal no waiting for 1-2 days
also what return can i expect from the fund
it also needs to be shariah compliant

please suggest me where do u guys keep your emergency fund and if u keep it in a money market fund which specific fund do u keep it in and does that offer instant withdrawal