How to track your net worth across banks, EPFO and demat
| Bank & FDs | EPF · PPF · NPS | Mutual funds | Stocks | Gold & SGB | Loans (−) | |
|---|---|---|---|---|---|---|
| Lives in | Bank apps, passbooks | EPFO, PPF bank, CRA | AMC, RTA, broker | Broker, NSDL/CDSL | Locker, RBI, demat | Bank, NBFC |
| Today’s value | Balance + accrued interest | Latest declared statement | Units × today’s NAV | Quantity × live price | Grams × today’s gold rate | Outstanding principal |
Cash and wallets count too — whatever is actually there.
Marking to market
A folio’s “invested amount” is not its value. Funds, stocks, gold and SGBs all move daily.
It goes stale instantly
The figure you compute on Sunday is wrong by Tuesday. A one-time spreadsheet is a snapshot, not a tracker.
- 01
List every asset once, grouped as above.
Do not value them yet — just find them all.
- 02
Mark each to current value.
FDs with accrued interest, funds at NAV, stocks and gold at market.
- 03
Subtract every loan’s outstanding principal.
True net worth, not gross assets.
- 04
Tag each asset by owner.
So a family picture and a per-person one both exist.
- 05
Refresh on a fixed cadence.
Monthly is enough; the discipline matters more than the frequency.
A spreadsheet can hold the list, but it cannot fetch a NAV, re-price gold, or notice that the EPF interest was just credited — which is why most family net-worth spreadsheets are abandoned within months. Hundo marks funds and stocks to market from AMFI and NSE feeds, tracks EPF, PPF and NPS as a passbook, values gold, subtracts loans, and keeps one honest figure current, with a “for whom” axis so each person’s share is visible.
See your family’s whole picture in one ledger.
Hundo reconciles every account, watches every renewal, and keeps every document safe. Free while it is in beta.