Net Worth Certificate
CA-certified, accepted for visas & banks
UDIN-verified net worth certificate for visa applications, bank facilities, franchise applications and tenders.
What's included
- Asset & liability compilation
- CA certification with UDIN
- Visa/bank format compliance
- Soft + signed hard copy
Understanding Net Worth Certificate
A net worth certificate is a CA-certified statement of everything you own minus everything you owe, expressed as a single figure on a given date. Embassies, banks, franchise brands and courts in India rely on it because a practising Chartered Accountant has verified the underlying documents — property papers, bank balances, investments and loans — rather than taking your word for it. Since February 2019, every such certificate must carry a Unique Document Identification Number (UDIN) generated on the ICAI portal, which lets any recipient verify online that a real CA actually signed it.
The most common trigger is a visa application. Student visa files for the US, Canada, UK and Australia routinely ask for proof that the sponsoring family can fund tuition and living costs, and most embassies and universities accept a CA-certified net worth statement in the standard format alongside bank statements. Banks ask for the same certificate when you apply for large loans or stand as a guarantor, and franchise companies use it to screen prospective franchisees before signing an agreement.
Our process is straightforward: you share documents for each asset and liability, we value them on a consistent and defensible basis, prepare the certificate on our letterhead with the UDIN, and hand you a signed copy within 2-3 working days for ₹2,499. Because valuation choices — market value versus cost, whose name the asset stands in — affect the final number, having a CA who does these regularly matters more than the certificate format itself.
Who needs this?
Visa applicants and sponsors
Parents or relatives sponsoring a student visa, and applicants for immigration or investor visas, need a certified statement of family assets that embassies and universities will accept.
Bank loan applicants and guarantors
Banks ask for a net worth certificate when sanctioning large home, business or education loans, and from anyone standing as personal guarantor for a company facility.
Prospective franchisees and dealers
Franchise brands, automobile dealerships and petroleum companies screen applicants on minimum net worth before allotting a franchise or dealership.
Tender and contract bidders
Many government and PSU tenders set a minimum net worth or solvency criterion for the bidder or its promoters, evidenced by a CA certificate.
Directors and promoters
Company promoters furnish net worth certificates to banks, NBFCs and regulators such as SEBI, IRDAI or RBI when applying for licences or registrations that carry net worth thresholds.
Parties to legal and family matters
Courts sometimes call for a certified net worth statement in maintenance, surety and property disputes, where an independently verified figure carries weight.
When this is NOT the right fit
| Your situation | What applies instead |
|---|---|
| ✕You cannot produce documents for the assets you want included | A CA can only certify what is verifiable. Assets with no ownership proof, unaccounted cash or informal lending cannot go into the certificate. |
| ✕The assets stand in someone else's name | A certificate is issued for a named person or entity. Property owned by a brother or a company cannot be shown as your personal net worth, though a combined family certificate can sometimes be issued with each owner named. |
| ✕You need a valuation report, not a net worth certificate | If a bank or authority has asked for a registered valuer's report on a specific property or on shares, that is a different document under different rules — a CA net worth certificate will not substitute for it. |
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Documents you'll need — and why
PAN and Aadhaar of the person or entity
Establishes the identity of the person whose net worth is being certified and is quoted on the certificate itself.
Latest income tax returns (2-3 years)
Cross-checks declared income against the assets claimed and is often asked for by embassies alongside the certificate.
Bank statements and FD receipts
Evidence balances and deposits as on the certificate date; we certify the figure as on a specific date, not an average.
Property documents — sale deed, registration papers
Prove ownership and cost of immovable property. If market value is used, a basis such as a valuer's report or guideline value is needed.
Demat and mutual fund statements
Listed shares and funds are taken at market value on the certificate date, so a current statement is essential.
Gold and jewellery details or valuation receipts
Jewellery is commonly included for visa files; purchase invoices or a jeweller's valuation support the figure certified.
Loan statements and liability details
Home loans, vehicle loans and personal borrowings are deducted to arrive at net worth; omitting them makes the certificate misleading.
LIC and other insurance policy statements
Surrender value of life insurance policies counts as an asset and adds meaningfully to many family net worth figures.
How it works, step by step
- 1
Requirement call and checklist
Day 1We understand the purpose — visa, bank, franchise or tender — because the format and the assets to include differ, then share a tailored document checklist.
- 2
Document collection and verification
Day 1-2You upload documents; we verify ownership, tally bank and demat balances to the chosen date and flag anything that cannot be certified.
- 3
Valuation and draft certificate
Day 2We value each asset on a stated basis, deduct liabilities and send you a draft showing the asset-wise break-up for your confirmation.
- 4
UDIN generation and signing
Day 2-3Once you approve the draft, we generate the UDIN on the ICAI portal and issue the signed, stamped certificate on the firm's letterhead.
- 5
Delivery and verification support
Day 3You receive a scanned copy immediately and hard copies if needed; the recipient can verify the UDIN online at any time.
What non-compliance costs
Submitting an inflated or fabricated certificate to an embassy
Visa refusal and, in many countries, a misrepresentation ban of several years. Embassies do verify UDINs and can spot uncertified or forged documents.
Overstating net worth to a bank
Loan recall, guarantee invocation and potential criminal action for cheating under the Bharatiya Nyaya Sanhita if the misstatement was deliberate.
Certificate issued without UDIN
The certificate is treated as invalid by most recipients, and the issuing CA faces professional misconduct proceedings before ICAI.
Why doing this right pays off
Accepted format for embassies and banks
We issue certificates in the layouts that visa consultants, universities and Indian banks routinely accept, reducing back-and-forth and resubmission.
UDIN-backed authenticity
Every certificate carries a UDIN that the recipient can verify on the ICAI portal in seconds, which is exactly what embassies and lenders check first.
Defensible valuation basis
Each asset is valued on a stated, consistent basis with the working papers retained, so you can answer any query the recipient raises later.
Fast turnaround
With documents in hand, the signed certificate is ready in 2-3 working days — useful when a visa interview or tender deadline is close.
Complete confidentiality
Your financial details stay between you and the firm; we share the certificate only with you, never directly with third parties unless you ask.
Common DIY mistakes we see
- Getting a certificate signed without a UDIN, or from someone who is not a full-time practising CA — most embassies and banks now reject these outright.
- Including assets that belong to other family members without naming the actual owner, which surfaces the moment supporting documents are checked.
- Forgetting to deduct liabilities such as home loans, which makes the certificate inconsistent with your credit report and invites questions.
- Valuing property at an aspirational market price with no supporting basis, instead of guideline value, a valuer's report or documented cost.
- Leaving the certificate undated or using an old one — most recipients want the position as on a recent date, typically within 3-6 months.
Frequently asked questions
Immovable property, bank balances, fixed deposits, shares and mutual funds, gold and jewellery, vehicles, insurance surrender values and business capital — anything you own with documentary proof. Loans and other liabilities are deducted. Unverifiable cash or benami assets cannot be certified.
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All-inclusive professional fee. Government fees (if any) extra at actuals.
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