A Net Worth Certificate is a formal document issued by a practising Chartered Accountant (CA) on his / her letterhead, certifying the net worth of an individual, sole-proprietorship, partnership firm, LLP, HUF, or company as on a specific date. Net worth is defined as Total Assets – Total Liabilities; for companies, Section 2(57) of the Companies Act 2013 defines it as paid-up share capital + free reserves – accumulated losses, deferred expenditure, and miscellaneous expenditure not written off.
A CA-certified Net Worth Certificate is required for visa applications (Tier-1 / F-1 / spouse / dependent / Schengen / UK / US / Canada / Australia), tender bidding, bank loans, government schemes, investor / lender diligence, director eligibility, court / tribunal filings, and family-office reporting. Every such certificate must carry a UDIN (Unique Document Identification Number) generated on the ICAI portal — without UDIN, the certificate is treated as invalid. Our CA-certified Net Worth Certificate services cover document collation, valuation, computation, drafting, and issuance with UDIN — usually within 1–3 working days.
For consulate / embassy submission — student visa (F-1, UK Tier-4, Australia 500), spouse / dependent visa, tourist / business visa, and PR / immigration applications. Embassy-format with UDIN.
Government / PSU / private tender bidding — net worth as on 31 March of last completed FY, or as on a specified cut-off date; in tender-prescribed format (e.g., GeM, CPPP).
Personal / home / business / loan-against-property / working-capital limits — banks typically require CA-certified net worth in their own format (SBI / HDFC / ICICI / Axis).
Director / promoter / KMP net worth for company appointments, RBI / SEBI fit-and-proper, NBFC / PA / PPI applications, and SEBI ICDR (pre-IPO) requirements.
VC / PE / lender / acquirer-grade net worth — promoter declaration, personal-guarantor schedules, indirect-holding map, and consolidated family-net-worth view.
Affidavit-grade net worth for litigation, NCLT, divorce / matrimonial, property partition, succession, IBC personal-guarantor proceedings, and tax-tribunal matters.
MSME, capital-subsidy, CGTMSE, Stand-Up India, Mudra, PMEGP, state-industrial-policy, and export-promotion-council scheme applications requiring CA net worth.
NRI / OCI / foreign-resident net worth for overseas property purchase, ODI / LRS remittance, FEMA filings, foreign-bank account opening, and global-mobility programs.
Paid-up share capital + all reserves (excluding revaluation reserve) – accumulated losses, deferred expenditure, and miscellaneous expenditure not written off, as per audited balance sheet.
Total assets (immovable + movable + investments + bank balances) minus total liabilities (loans, mortgages, EMIs) — as on the cut-off date specified by the requesting authority.
Unique Document Identification Number generated on the ICAI portal at the time of certification — verifies the certificate's authenticity to consulates, banks, and authorities.
Immovable property at fair / market / circle / book value (as required); investments at NAV / market value; jewellery at valuer's report; liabilities at outstanding principal + interest.
Each authority — embassy, bank, tender, regulator — may prescribe its own format with specific schedules, declarations, and supporting annexures; CA tailors the certificate accordingly.
Most authorities accept a certificate dated within 30 / 60 / 90 days; visa applications often need certificate within 30 days; tenders may specify "as on 31 March" of the last completed FY.
Net worth certificate is supported by detailed schedules — list of immovable property, investments, bank balances, vehicles, jewellery, and liabilities with documentary backup.
Issued on the CA's printed letterhead with full name, membership number, FRN (firm registration number), UDIN, place, date, signature, and stamp — without these the certificate is invalid.
Embassy / consulate format for student, spouse, dependent, tourist, business, or PR visa — UDIN-backed, schedule-supported, in English, with passport-photo holder match.
Government / PSU / private tender format — net worth as on the prescribed cut-off date, year-wise comparison (last 3-5 years), and tender-specific declarations.
SBI / HDFC / ICICI / Axis / NBFC-format certificate for personal / home / LAP / business loan — with co-applicant / guarantor net worth where required.
Net worth for company director appointments, RBI / SEBI fit-and-proper, NBFC / PA / PPI promoter declarations, and SEBI ICDR pre-IPO compliance.
Promoter / personal-guarantor net worth for term sheets, indirect-holding maps, family-roll-up, cap-table consistency, and pre-IPO diligence packs.
Affidavit-quality net worth for NCLT / IBC, matrimonial, succession, partition, and tax-tribunal matters — with cross-examination-ready backup file.
Net worth for MSME, CGTMSE, Mudra, Stand-Up India, PMEGP, state industrial policy, capital subsidy, and export-promotion-council schemes.
NRI / OCI / foreign-resident net worth for LRS remittance, ODI declaration, foreign property purchase, global-mobility, and overseas-bank KYC.
Coordination with registered valuers for immovable property, jewellery, art, equity-share valuation (Rule 11UA), and consolidation in net worth working.
Schedule-wise breakup — property / investments / bank / vehicles / jewellery / loans / contingent liabilities — with all supporting documents collated for audit defence.
Year-wise net-worth statement (last 3 / 5 / 7 / 10 years) for pre-IPO promoter disclosures, PSU tenders requiring trend, and family-office reporting.
Same-day / 24-hour turnaround for urgent visa interview, tender deadline, or loan-sanction window — with priority document collection and review.
F-1 (US), Tier-4 (UK), Subclass 500 (Australia), study-permit (Canada) — embassy needs sponsor / parent net worth to evidence financial capacity.
Schengen, UK, US-B1/B2, Canada — net worth supports financial-capacity assertion in visa application along with bank statements and ITRs.
Government / PSU / private tender requires CA-certified net worth as on prescribed date — generally one of the bid-eligibility filters.
Personal / home / LAP / business loan application — bank's own format with current net worth and asset-liability schedule attached.
Listed / NBFC / fit-and-proper director appointments require net worth declaration — supports Sec 196 / 197 / RBI fit-and-proper checks.
Personal-guarantor IBC, matrimonial, succession, partition — affidavit-grade net worth filed with the court / tribunal.
VC / PE / lender / acquirer asks for promoter net worth before signing term sheet — also during personal-guarantee execution.
Large outward LRS remittance, foreign property purchase, ODI in WOS / JV — banker / RBI requires CA-certified net worth declaration.
Capture purpose (visa / tender / loan / court), end-user authority, prescribed format, cut-off date, and currency / language requirement.
Single-link checklist, document upload, valuation reports, missing-document follow-up, and KYC alignment.
Asset valuation, liability tagging, schedule-wise breakup, and reconciliation with ITR / 26AS / books for consistency.
Certificate drafted on CA letterhead in authority-specific format, UDIN generated on ICAI portal, and signed / stamped copy issued.
Soft copy + signed hard copy delivery, complete annexure backup file, and storage for future cross-checks / audits.
Partner with our CA team for fast, embassy-accepted, UDIN-backed net worth certificates — for visa, tender, bank loan, director, court, FEMA, and investor diligence requirements.
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