Government-backed and employer-linked schemes form a large share of many Indian households' wealth. Yet they rarely appear alongside equity holdings in day-to-day tracking. The result is a net-worth number that reflects your demat account — not your life savings.
Why these assets get overlooked
PPF passbooks, EPF UAN statements, and Sukanya Samriddhi certificates update on their own schedule. They do not have live tickers. Broker apps send push notifications; PF portals send annual statements. It is easy to treat them as set-and-forget — until you need a complete picture for a goal review or major life decision.
- PPF — 15-year horizon, annual interest credit, partial withdrawal rules
- EPF/PF — employer contributions, passbook balance, transfer on job change
- Sukanya Samriddhi — long lock-in, designed for a minor beneficiary
- Bank FDs — fixed tenure, manual rate, maturity dates to track
Manual assets still deserve a place in your ledger
A portfolio tracker that supports manual valuation lets you record the current balance from your latest statement and update it when you make a contribution or receive interest. You are not automating the scheme — you are making it visible next to market-linked holdings.
Practical recording tips
- Log each contribution as a transaction so invested capital stays accurate
- Update balances after annual interest credit or when you download a statement
- Use clear labels — e.g. PPF (SBI) vs PPF (Post Office) if you hold multiple
- Include EPF when estimating debt allocation; it is often a large fixed-income slice
- Reconcile yearly against official statements rather than guessing from memory
How this improves your overall view
Once PPF, EPF, Sukanya, and FDs sit beside equities and mutual funds, allocation charts become honest. You may find your portfolio is more conservative than you assumed — or that retirement savings are growing steadily while market holdings feel volatile. Both insights are useful; neither is advice.