Which options can be explored if a person needs ₹2 lakh urgently?

If a person urgently needs ₹2 lakh, using savings beyond an emergency fund is the cheapest, experts say. If they don't have enough spare savings, they can take a personal loan, which generally costs 10-18% annually and carries structured EMIs. Credit cards can be the most expensive as unpaid balances beyond the due date could attract over 24% rate annually.