Does your EPF count in your debt allocation? Yes.

Summary: EPF is probably your biggest debt investment, but are you counting it right? In this explainer, we break down where EPF fits in asset allocation, why it can’t be auto-tracked yet and the simple workaround to keep your portfolio view accurate. In the January Value Research Fund Advisor Live session, a question came up again and again: Should I include my EPF/EPFO accumulation while calculating my debt allocation? And a practical follow-up: Why can’t I add EPF inside the Value Research Portfolio tracker yet? Here’s the simple answer. 1) EPF is your money, and it belongs in your debt bucket For most salaried Indians, EPF is the largest long-term fixed-income holding they’ll

This article was originally published on February 09, 2026.