New Delhi, April 25 -- With loans now available even over a phone call, falling into debt is easy. But debt does not always mean losing every asset you own. Indian law protects certain savings and investments-such as EPF, PPF, NPS, and gratuity-to ensure long-term financial security for individuals and their families, even during times of financial distress.

Employees' Provident Fund (EPF) and Gratuity: Under Section 10(1) of the Employees' Provident Funds and Miscellaneous Provisions Act, 1952, the balance in an EPF account cannot be attached by a court, nor can it be assigned or charged. At the same time, under the Payment of Gratuity Act and Section 60 of the Code of Civil Procedure, gratuity is legally shielded from attachmen

Public...