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Home CA Certificates Net Worth Certificate
Chartered Accountant Certified — ICAI Registered

Net Worth Certificate
CA Certified. Same-Day Delivery.

A Net Worth Certificate is a formal document issued by a Chartered Accountant valuing your total assets minus liabilities. Required for visa applications, bank loans, tenders, immigration, and government schemes — issued in 1 working day.

ICAI-Registered Chartered Accountant
Delivered in 1 Working Day
Accepted by Embassies & Banks
Individual & Business Certificates
CA Signed & Stamped
Soft Copy + Hard Copy Available
4.9 /5.0
12,000+ certificates issued
1 Day Avg. Delivery Time
ICAI Registered CA
Embassy Accepted
Bank Accepted

Get Your Net Worth Certificate

Issued by ICAI-registered CA within 1 working day

Your financial data is 100% confidential
Signed by ICAI-registered CA
Unlimited revisions if required
12,000+ Certificates Issued
Accepted by 50+ Banks
Valid for 40+ Countries' Embassies
Same-Day & Express Options
200+ ICAI-Registered CAs

Get Your Net Worth Certificate

ICAI-registered CA, delivered in 1 working day

12,000+
Certificates Issued
1 Day
Average Delivery Time
50+
Banks & NBFCs Accept It
40+
Countries' Embassies Accept It
What Is It

What Is a Net Worth Certificate?

A Net Worth Certificate is an official document issued and signed by a practising Chartered Accountant (CA) that calculates and certifies the net financial worth of an individual, business, or company as on a specific date. It is a statement of total assets minus total liabilities — essentially a formal valuation of your financial standing.

The certificate is based on supporting documents such as bank statements, property valuations, investment portfolio, ITRs, and balance sheets. It carries the CA's ICAI membership number, signature, and stamp — making it legally valid for submission to banks, embassies, courts, and government authorities.

Why Is It Important?

A Net Worth Certificate proves your financial credibility and solvency. It is a mandatory requirement across a wide range of financial, legal, and regulatory situations. Without a properly issued CA-certified net worth certificate, applications for loans, visas, and government tenders can be rejected outright.

₹
Tax Gyani — CA Services
ICAI Reg. No: XXXXXX | MRN: TG-2025-XXXXXX
NET WORTH CERTIFICATE
As on Date: 31st March 2025
Certified For
Mr. Rajesh Kumar
PAN Number
ABCPK1234X
Total Assets
₹1,24,50,000
Total Liabilities
₹18,00,000
Certified Net Worth
Assets − Liabilities
₹1,06,50,000
CA Signature & ICAI Stamp Applied on Issued Certificate

ICAI-Registered CA

Certificate issued by practising Chartered Accountant with valid ICAI membership. Carries CA seal, membership number, and official signature for legal validity.

Same-Day Delivery

Express certificates issued within 4–6 hours for urgent requirements. Standard certificates delivered within 1 working day after document submission.

Internationally Accepted

Accepted by 40+ countries' embassies for visa applications including USA, UK, Canada, Australia, Schengen, UAE, and more. Accepted by RBI-regulated banks.

Fully Confidential

Your financial data is handled with complete confidentiality under CA-client privilege. Strict data protection protocols — your documents are never shared.

When You Need It

Who Needs a Net Worth Certificate?

A Net Worth Certificate is mandatory in a wide range of official, financial, and legal situations. Here are the most common use cases where this certificate is required.

01

Visa & Immigration Applications

Required by embassies of USA, UK, Canada, Australia, Schengen countries, UAE, and others to prove financial sufficiency. Demonstrates you have adequate funds to cover your travel and stay.

Visa Applications
02

Bank Loans & Overdraft Facilities

Banks and NBFCs require CA-certified net worth statement for high-value loans, home loans, LAP, business loans, and overdraft facilities to assess the borrower's financial health.

Loans & Finance
03

Government Tenders & Contracts

Mandatory for bidding on government contracts, PSU tenders, and public procurement. Authorities require net worth certificate to verify the financial capacity of bidding companies.

Tenders & Govt
04

Court & Legal Proceedings

Required in family court, divorce proceedings, income disclosure affidavits, bail applications, and civil suits to establish the financial position of the party before the court.

Legal & Court
05

Overseas Immigration & PR

Needed for PR applications in Canada, Australia, New Zealand, and other countries. Investor visa programs (e.g., Canada SUV, Australia 188) specifically require CA-certified net worth proof.

Immigration & PR
06

Company Registration & Licensing

Required for NBFC registration, insurance company setup, stock broker licensing, and certain RBI/SEBI registrations where minimum net worth criteria must be demonstrated.

Regulatory
07

Business Partnerships & JVs

Partners and investors often require mutual disclosure of net worth before entering business partnerships, joint ventures, mergers, or acquisition discussions.

Business
08

Education Loan & Study Abroad

Many foreign universities and education loan providers require the parents' or sponsor's net worth certificate to assess financial capacity to support education abroad.

Education
Types

Types of Net Worth Certificates

Net Worth Certificates are issued for different entities and purposes. The format, supporting documents, and CA declaration vary based on the type of certificate required.

Certificate Type Issued For Common Use Issued By Timeline
Individual Net Worth Salaried / Self-employed individuals Visa, loan, court, immigration CA Certified 1 day
Business / Firm Net Worth Partnership firms, proprietorships Tenders, bank finance, licensing CA Certified 1–2 days
Company Net Worth Private Ltd / LLP / Public Ltd Regulatory, M&A, NBFC registration CA Certified 2–3 days
HUF Net Worth Hindu Undivided Family Property disputes, legal, estate CA Certified 1–2 days
Consolidated Net Worth Individual + Business combined Large loans, investor visa CA Certified 2–3 days
Not Sure Which Type You Need?

Our CA team will assess your documents and recommend the correct certificate type for your specific purpose. Tell us your requirement during consultation and we'll guide you. This is especially important for visa and immigration applications where embassy-specific format requirements apply.

Assets & Liabilities

What's Included in the Net Worth Calculation?

Your net worth is computed as Total Assets minus Total Liabilities. Our CA reviews all supporting documents and includes the following categories in the certificate.

Assets Covered

Bank Balances

Savings, current, FD, RD accounts across all banks

Immovable Property

Residential, commercial, agricultural land & buildings

Stocks & Mutual Funds

Listed shares, ETFs, mutual fund portfolio (at market value)

Jewellery & Gold

Gold, silver, jewellery, precious metals & stones

Vehicles

Cars, motorcycles, commercial vehicles at depreciated value

Insurance & Policies

LIC, ULIP, term insurance surrender value / maturity value

Business Investments

Capital in partnership firms, shareholding in companies

PF & PPF

EPF, PPF, NPS, gratuity, and other retirement savings

Loans Given / Receivables

Money lent to others, book debts, advances receivable

Liabilities Deducted from Assets

Liabilities that are deducted include: home loan outstanding, personal loan, car loan, credit card dues, business loans, loans taken from others, and any other outstanding debt. The final certified net worth = Total Assets − Total Liabilities.

How It Works

Simple 4-Step Process

Getting your Net Worth Certificate from Tax Gyani is completely online and paperless. Here's how the process works from start to delivery.

Step 1
Apply Online
5 minutes
Step 2
Upload Documents
Same day
Step 3
CA Review
2–4 hours
Step 4
Certificate Issued
Within 1 day
1

Submit Application & Purpose

Fill the online form specifying your name, contact details, certificate purpose (visa, loan, tender, etc.), and certificate type (individual, business, or company). Our team confirms your requirement and assigned CA within 30 minutes.

Takes 5 minutes — 100% online
2

Upload Supporting Documents

Upload your financial documents — bank statements, property papers, ITRs, investment statements, and other asset/liability proofs. Our secure document portal ensures your data is encrypted and confidential at all times.

Secure upload — document checklist provided
3

CA Reviews & Prepares Certificate

Your assigned ICAI-registered CA reviews all documents, calculates your net worth (assets minus liabilities) as on the required date, and prepares the certificate in the format accepted by the relevant authority (embassy, bank, court, etc.).

2–4 hours review time
4

Certificate Issued — Digital + Hard Copy

CA signs, stamps, and issues the Net Worth Certificate. You receive a soft copy via email and secure download portal. Physical hard copy with original CA signature can be couriered to your address if required (typically visa applications).

Within 1 working day • Hard copy courier within 1–2 days
Documents Required

Documents Needed for Net Worth Certificate

The documents required depend on the assets and liabilities to be included in your net worth statement. Below is the standard checklist for individual applicants.

PAN Card

Copy of PAN card — mandatory for all net worth certificates. Required to verify identity and cross-check with IT department records.

Aadhaar Card / Passport

Government-issued photo ID for address and identity verification. For visa applications, passport copy is specifically required.

ITR — Last 2–3 Years

Income Tax Returns for the last 2–3 assessment years. Provides income history and supports the declared asset base.

Bank Statements — 6 Months

Statements of all savings and current accounts. FD certificates and RD passbooks for term deposits.

Property Documents

Sale deed, registry document, or stamp duty receipt for any immovable property owned. Valuation report if available.

Investment Statements

Demat account statement, mutual fund portfolio statement (CAS from CDSL/NSDL), PPF/NPS account balance statement.

Vehicle RC Book

Registration Certificate of vehicles owned. Helps establish market value of movable assets.

Loan Outstanding Statements

Latest outstanding loan statement for home loan, car loan, personal loan, and any other borrowings. Required to calculate total liabilities.

Business / Company Net Worth — Additional Documents

For business or company net worth certificates, additionally required: Audited Balance Sheets (last 2–3 years), GST registration, business PAN, Certificate of Incorporation (for companies), and latest bank statement of the firm/company.

FAQs

Frequently Asked Questions

Yes. A Net Worth Certificate issued by a practising Chartered Accountant registered with ICAI is legally valid throughout India. It is accepted by banks, courts, government departments, SEBI, RBI, and embassies. The CA's ICAI membership number, signature, and official stamp make it an official financial declaration document.
The following country embassies commonly accept CA-certified Net Worth Certificates from Indian applicants: USA (B1/B2 visa), UK, Canada, Australia, all Schengen countries (Germany, France, Italy, Netherlands, etc.), UAE, Singapore, Japan, and more. Our CA team is experienced in preparing certificates in the format preferred by each embassy to maximize approval chances.
There is no statutory validity period for Net Worth Certificates under Indian law. However, most banks and embassies prefer certificates dated not more than 3–6 months before submission. Some authorities specify a particular "as on date" or require the certificate to be dated within 90 days. We issue certificates as on any date you require, typically the current date or the previous financial year-end (31st March).
Yes. We offer an Express Same-Day service (add ₹500) where your certificate is issued within 4–6 hours of document submission. For this, all documents must be submitted before 12 noon IST. Standard certificates are issued within 1 working day. If you have an urgent visa appointment or loan deadline, please mention it while applying and we will prioritize your request.
No. The entire process is 100% online. You submit your application and upload documents through our secure online portal. The CA reviews and issues the certificate digitally. Soft copy is delivered via email. If a hard copy with original CA signature is required (common for visa applications), it is couriered to your address. You never need to visit our office.
If certain documents are not available (e.g., property valuation report), our CA will work with what is available and use reasonable estimates based on prevailing market rates or guidance values. The CA will clearly note the basis of valuation in the certificate. We advise submitting as many supporting documents as possible to strengthen the certificate's credibility, especially for embassy and bank submissions.
No, there is no minimum net worth required to obtain the certificate. We issue certificates for any net worth amount — even if liabilities are close to or exceed assets (negative net worth). However, be aware that embassies and banks may have their own minimum net worth benchmarks for approval purposes (e.g., a bank may require minimum ₹25 lakh net worth for a home loan). The certificate itself is simply a factual statement of your financial position.
Client Reviews

What Our Clients Say

"Got my net worth certificate for USA visa in just 6 hours! The CA team was responsive, understood what the embassy needed, and delivered a perfectly formatted certificate. My visa was approved!"
A
Anil Mehta
USA B2 Visa Applicant, Mumbai
"Needed a business net worth certificate for a government tender. Tax Gyani issued it in the exact format specified in the tender document. No back and forth, no confusion. Highly professional."
S
Sundar Krishnamurthy
Construction Firm, Chennai
"I needed a Canada immigration net worth certificate. The CA team was well-versed in IRCC requirements and prepared a detailed certificate with proper asset categorisation. Very smooth process."
P
Preethi Nair
Canada PR Applicant, Bangalore
"Submitted for a home loan with SBI and the bank accepted the certificate without any queries. The CA was available on call to clarify details to the bank relationship manager. Great service."
R
Ramesh Gupta
Home Loan Applicant, Delhi

Get Your Net Worth Certificate Today — In Just 1 Day

Issued by ICAI-registered Chartered Accountant. Accepted by embassies, banks, courts, and government authorities. Starting at just ₹1,499.