Module 14: Financial Planning Framework – A to Z

Net Worth क्या है?

Net Worth = Total Assets – Total Liabilities

  • Assets = वो चीजें जो तुम्हारी ownership में हैं और जिनकी कोई monetary value है (cash, property, investments, gold, आदि)
  • Liabilities = वो सारे loans, debts, या financial obligations जो तुम्हें चुकाने हैं

Example: अगर तुम्हारे पास:

  • Bank balance: ₹2,00,000
  • Mutual Funds: ₹5,00,000
  • Gold: ₹1,00,000
  • Home value: ₹40,00,000 Total Assets = ₹48,00,000

और तुम्हारे ऊपर:

  • Home Loan: ₹25,00,000
  • Car Loan: ₹3,00,000 Total Liabilities = ₹28,00,000

तो: Net Worth = ₹48,00,000 – ₹28,00,000 = ₹20,00,000

Net Worth Calculation के Steps

  1. सभी Assets की List बनाओ

    • Cash & Bank balance
    • Investments (Mutual Funds, Stocks, Bonds, PPF, FD, etc.)
    • Real Estate (market value)
    • Precious metals (Gold, Silver, etc.)
    • Retirement funds (EPF, NPS, etc.)

  2. सभी Liabilities की List बनाओ

    • Home Loan, Car Loan, Personal Loan
    • Credit Card dues
    • Education Loan
    • किसी भी प्रकार का unpaid debt

  3. Formula Apply करो

    Net Worth = (Total Assets) – (Total Liabilities)

  4. Track करो हर साल/छः महीने में

    • Year-on-year comparison से पता चलेगा wealth बढ़ रही है या घट रही है

Net Worth Tracking Tools

  • Excel/Google Sheets – सबसे flexible तरीका
  • Apps – Walnut, Moneycontrol, INDmoney, ET Money
  • Personal Finance Software – MProfit, QuickBooks

Net Worth बढ़ाने के Tips

  • Liabilities जल्दी खत्म करो
  • Assets को diversify करो (Equity, Debt, Gold, Real Estate)
  • Passive income sources बनाओ
  • हर साल Net Worth growth target रखो (e.g., +15% per year)