Should EPF, PPF, and NPS count toward net worth in India? Yes — here is how to value them, avoid double-counting, and track them in GoalPehle.
They are assets — even if locked
Liquidity and ownership are different. EPF, PPF, and NPS balances belong to you. Include the latest statement value in net worth, and remember withdrawal rules when you plan FIRE timing.
How to value each
Use official balances; do not invent market marks for EPF/PPF.
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EPF: passbook / UMANG / employer portal balance
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PPF: bank or post office passbook balance
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NPS: Tier I/II current value from CRA statement
Avoid double-counting
If salary is already in your bank account this month, do not also add the same cash as “EPF contribution in transit.” Update retirement accounts when new statements post.
Track them in GoalPehle
Add EPF/PPF/NPS under investments or the matching category you use for retirement assets, then refresh balances monthly or quarterly so Freedom Target stays realistic.
Frequently asked questions
Does EPF count in net worth?
Yes. Use your current EPF passbook balance. It is less liquid than cash but still part of what you own.
Should I include employer contribution?
Include the total balance shown on your statement (employee + employer share that is already credited).
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Educational content only — not SEBI-registered investment advice.