My balance sheet
Sample: Ananya, 32, product analyst in Bengaluru. ₹18 lakh a year, pays rent, one car loan, one child in school.
Net worth ₹14.9 lakh
What you own minus what you owe, from your statements.
What you own
- EPF ₹4,80,000
- Equity mutual funds (SIP) ₹3,60,000
- PPF ₹1,80,000
- Bank and FD liquid₹2,40,000
- Gold ₹1,20,000
- Car ₹4,50,000
- Total₹18,30,000
What you owe
- Car loan₹3,10,000
- Credit card due₹28,000
- Total₹3,38,000
Debt is 18% of what you own.