When does the savings curve start from negative Y-axis?

When income is greater than consumption When savings are greater than consumption When consumption is greater than income When consumption is less than savings

When consumption is greater than income

Say my income is ₹ 10,000 but my consumption is ₹12,000. Savings =Y-C. 10,000 – 12,000 = -₹ 2,000. There are negative savings of ₹2,000.