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Certified Financial Statements
Certified Financial Statements are balance sheet, profit & loss account, and supporting schedules of an entity that have been compiled and signed by a Chartered Accountant on the basis of books of account, with a clear certification regarding the basis on which they have been prepared.
Banks, NBFCs, government departments, tender authorities, embassies, and counterparties in transactions often require certified financials in addition to or instead of full statutory audited accounts — especially for proprietorships, partnership firms, LLPs, small companies, and trusts.
We prepare and certify financial statements for individuals, sole proprietorships, partnerships, LLPs, companies, and trusts — designed to meet specific requirements of lenders, tender bodies, and regulators while maintaining technical rigour and transparency.
Our Certified Financials Services
Proprietor & Individual Financials
Preparation and certification of balance sheet and P&L for proprietors, professionals, and individuals.
Partnership & LLP Financials
Certified accounts for partnership firms and LLPs along with partners' capital and remuneration workings.
Company Financial Statements
Schedule III compliant balance sheet, P&L, cash flow, and notes for private and public companies.
Trust & Society Financials
Receipts & payments, income & expenditure, and balance sheet for trusts, societies, and NGOs.
For Bank & NBFC Submission
Certified financials supporting CC / OD limits, term loans, and renewal submissions to banks and NBFCs.
For Tenders & Empanelment
Year-wise certified financials for tender bids, government empanelment, and PSU vendor registration.
Net Worth & Turnover Certificates
Net worth, turnover, and capital certificates supported by certified financial statements.
Restated & Comparative Financials
Multi-year restated and comparative financials for due diligence, fundraising, and transactions.
Our Process
1
Requirement Mapping
Understanding the recipient — bank, tender authority, embassy — and the format and years required.
2
Books & Records Review
Review of books of account, bank statements, vouchers, and supporting documents for the relevant period.
3
Compilation & Reconciliation
Preparation of balance sheet, P&L, schedules, and reconciliation with tax records and bank books.
4
Notes & Disclosures
Drafting of accounting policies, significant notes, and disclosures appropriate to the entity type.
5
Certification & Delivery
Stamping and signing by Chartered Accountant with UDIN and delivery in physical or digital format.
Why Certified Financials Matter
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Accepted by banks for credit appraisal
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Required for tenders and empanelment
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Supports visa and embassy submissions
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Reflects financial position and performance
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Helps demonstrate net worth and capacity
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Supports investor and partner discussions
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Forms the base for tax and audit working
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Improves overall financial discipline
FAQs on Certified Financial Statements
What are certified financial statements?
Certified financial statements are balance sheet, profit & loss account, and supporting schedules of an entity, prepared from books of account and signed by a Chartered Accountant. The CA certifies the basis of preparation — typically that the financials have been compiled from the books and information provided by management.
How are certified financials different from audited financials?
Audited financials carry an independent opinion from a statutory auditor on whether the statements give a true and fair view, after detailed audit procedures. Certified financials are typically compiled from records and signed by a Chartered Accountant, without expressing an audit opinion. The level of assurance is therefore lower than a full statutory audit.
Who needs certified financial statements?
They are commonly required by banks and NBFCs for credit assessment, by tender and procurement authorities, by government departments for scheme eligibility, by embassies for visa applications, and by counterparties in transactions involving proprietorships, partnership firms, small LLPs, and entities not subject to mandatory statutory audit.
Are certified financials legally valid?
Certified financials carry the professional responsibility of the signing Chartered Accountant and are generally accepted by banks, regulators, and authorities for the purposes for which they are issued. They do not, however, replace statutory audit where audit is mandatory under the Companies Act, Income Tax Act, or other laws.
What documents are required to prepare certified financials?
Typical requirements include trial balance and books of account, bank statements, sample vouchers, sales and purchase records, GST and TDS returns, ITRs, partnership / LLP / trust deed, prior years' financials, and details of loans, fixed assets, and statutory dues outstanding as on the reporting date.
For how many years can financials be certified?
Certified financials can typically be prepared for the most recent financial year and a few past years subject to availability of books, bank records, and supporting documents. For tenders and empanelment, two to five years of financials are commonly required, while banks usually look at the last two to three years.
Is UDIN mandatory on certified financial statements?
Yes. ICAI requires that all certificates and reports issued by Chartered Accountants in practice carry a Unique Document Identification Number (UDIN). UDIN provides authenticity to the certificate and allows recipients to verify the document on the ICAI portal, reducing the risk of forgery.
Get Certified Financial Statements You Can Rely On
Partner with our experts to prepare and certify accurate financial statements for banks, tenders, embassies, and beyond.
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