How to work out your net worth in India
What counts
A net worth is one number, but it is built from five kinds of things. Pocket groups them the same way:
- Cash & bank: savings and salary accounts, cash, and fixed deposits.
- Investments: shares, ETFs, mutual funds, Sovereign Gold Bonds and crypto, each at its price today (in rupees, for anything priced in dollars).
- Retirement: EPF, PPF and NPS. They are locked in for years, but they are yours, so they count.
- Physical & other: gold jewellery, property, a vehicle, a share of a business, at the value you put on them.
- Liabilities: home, car and personal loans at their outstanding balance, and credit cards at what is owed today.
Net worth is the first four added together, minus the fifth.
Where each figure comes from
- Bank accounts: the balance in net banking or the last statement.
- Mutual funds: a CAMS or KFintech Consolidated Account Statement (CAS) lists every fund across fund houses, with units and NAV; see tracking mutual funds from a CAS.
- Shares and ETFs: the holdings page at your broker, at today's price.
- EPF: the member passbook on the EPFO portal or in the UMANG app.
- PPF: the passbook or statement from the bank or post office that holds it.
- NPS: the statement from your NPS record-keeping agency.
- Loans: the outstanding principal on the lender's statement, not the original loan amount.
A worked example
This is Pocket's sample person on 27 Sep 2026, the same figures as on Pocket's homepage, worked out by the app itself. In Pocket, every total opens to show exactly these lines.
Investments
| Holding | Working | Value |
|---|---|---|
| HDFC Bank | 120 × ₹1,540.00 | ₹1,84,800.00 |
| Apple Inc. | 12 × $182.00 × ₹83.20 | ₹1,81,708.80 |
| Investing cash | deposits − purchases − fees | ₹1,34,106.58 |
| Nippon India Nifty 50 BeES | 444.88 × ₹286.10 | ₹1,27,280.17 |
| Sovereign Gold Bond 2030 | 20 × ₹6,100.00 | ₹1,22,000.00 |
| Parag Parikh Flexi Cap Fund | 1,226.843 × ₹85.90 | ₹1,05,385.81 |
| Bitcoin | 0.012 × $61,000.00 × ₹83.00 | ₹60,756.00 |
| Investments | ₹9,16,037.36 |
Accounts
| Account | Group and date | Balance |
|---|---|---|
| Employees' Provident Fund | Retirement · as of 10 Aug 2026 | ₹8,14,000.00 |
| Public Provident Fund | Retirement · as of 30 May 2026 | ₹3,22,000.00 |
| HDFC Savings | Cash & bank · as of 25 Sep 2026 | ₹2,42,000.00 |
| ICICI Salary account | Cash & bank · as of 25 Sep 2026 | ₹61,500.00 |
| Old Paytm wallet | Cash & bank · no date | ₹1,500.00 |
| Accounts | ₹14,41,000.00 |
Liabilities
| Liability | Basis | Owed |
|---|---|---|
| Car loan | balance you entered · 9.5% a year | ₹4,20,000.00 |
| HDFC Regalia credit card | balance you entered · 42% a year | ₹18,400.00 |
| Liabilities | ₹4,38,400.00 |
The total
₹9,16,037.36 + ₹14,41,000.00 − ₹4,38,400.00 = ₹19,18,637.36.
Three things in this example are easy to get wrong by hand. The Apple shares are priced in dollars, so each line multiplies by the exchange rate as well. The car loan counts at what is still owed, not at what was borrowed. And the Public Provident Fund figure is from 30 May 2026: the total is only as current as that.
Mistakes that move the number
- Counting something twice: a mutual fund listed both as a holding and as an account. Pocket counts an account of an investment kind once, from the holdings.
- The house without the loan: a home at its market value, with its home loan left out, overstates net worth by the whole loan.
- Cost instead of value: what a fund cost is not what it is worth today.
- Old figures: a PPF balance from last year, or a gold value from when it was bought. Pocket shows each account's date beside it, so an old one is visible.
How Pocket does it
Pocket adds investments, accounts and liabilities on your own device, with nothing uploaded. Each figure opens to show the lines behind it: the units, the price and the date for a holding, the date for an account balance, and the rate for a loan. Prices are the ones you enter, or, if you turn live prices on, fetched by ticker symbol alone.
Pocket is free on Windows, macOS, Linux and Android, and keeps everything on your own device: download Pocket.