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alchemyalchemy 

recordtypes

(selRecordTypeName==AssetRecTypes__c.getInstance('Retirement Accounts').Name
             || selRecordTypeName==AssetRecTypes__c.getInstance('Post Office Saving Schemes').Name
             ||selRecordTypeName==AssetRecTypes__c.getInstance('Deposits With Bank').Name)

the above code is giving me error am not able to figure out that 

   can i get an explanation on the same

bob_buzzardbob_buzzard

It would help if you posted the error.

 

What may be happening is that one or more of your getInstance calls is returning a null value, therefore the attempt to access the Name property throws an error for attempting to dereference a null pointer.