How much money is safe in banks beyond DICGC?

As the title says.

I have a considerable sum coming in that I need for some personal critical expense within the next 5 months. I have read about the DICGC limit of 5L but this sum will be much higher than that and I need it to be secure.

Currently I have kept it in my account (HDFC) and just wanted to know if this amount will be safe in the account. I am not talking about hackers, but safe from any black swan event too e.g. economic crisis IF one happens in the next 5 months.

I read about diversifying such amount across liquid funds etc but I am nor sure how immune those are to any economic crisis events.

I dont have any expectations of high returns from this amount. Capital security is the priority.

Please suggest if I can keep the amount in a single HDFC account or should I split it into multiple accounts (I dont have any other account as of now).