Valuing EPF and PPF balances
A net worth statement is only as honest as its valuations, and provident fund is one of the places households most often get it wrong — usually by carrying the purchase price forward for years. The latest passbook balance, including the employer share and interest credited. The EPFO passbook and the PPF statement are the sources of truth.
- Liquidity grade
- Low
- Time to sell
- Restricted until retirement
- Revalue every
- Year
how fast it becomes cash
realistically
or when something material changes
The number to write down
The latest passbook balance, including the employer share and interest credited. The EPFO passbook and the PPF statement are the sources of truth.
What people get wrong
For most salaried households this is the single largest retirement asset, and the one they think about least. Very low credit risk. The real cost is illiquidity — the money is genuinely locked when you might need it.
Keep the history, not just the latest figure
A single current value tells you where you stand. A series of valuations tells you whether the asset is doing anything for you. Record the value each time you check it, with the date, and the trend answers questions a snapshot cannot — like whether this holding has actually beaten inflation since you bought it.
Where FamTally comes in
FamTally stores EPF and PPF balances with a purchase value, a valuation history and a liquidity grade, so your net worth reflects today rather than the day you bought. Add a new valuation whenever you get a fresh figure and the trend builds itself. Free to use.
Stop doing this in a spreadsheet
FamTally keeps your loans, income, expenses, assets, insurance and goals in one place, forecasts five years ahead, and answers questions about your own numbers. Free, and built for Indian families.
Start freeQuestions people ask
How do I value provident fund?
The latest passbook balance, including the employer share and interest credited. The EPFO passbook and the PPF statement are the sources of truth.
How often should I update the value?
Once a year is enough for an illiquid asset, or whenever something material changes — a nearby sale, a renovation, a policy change.
Should I use the purchase price instead?
No. The purchase price answers a question about the past. A net worth statement is about what you could realise today.