Guide
Net worth certificate for a student visa
A net worth certificate shows the visa officer that the student or the sponsor (usually parents) has the means to pay for the course and living costs; it supports, but does not replace, the bank statements and loan letters the embassy asks for.
Whose net worth to show
- Student self-funding: a certificate for the student alone.
- Parents sponsoring: a certificate for each parent, or a combined family certificate, with the relationship to the student stated.
- Education loan as well: keep the loan sanction letter alongside the certificate.
What the certificate shows
- Assets: bank balances and fixed deposits, mutual funds and shares, PPF and EPF, insurance surrender values, gold, and property at its valuation.
- Liabilities: outstanding loans.
- Net worth as on a stated date, in rupees and, where the embassy prefers, in the destination currency with the exchange rate and its date.
- Signature, seal and membership number of the practising Chartered Accountant, with a UDIN that can be checked at udin.icai.org.
Documents to keep ready
- PAN and Aadhaar or passport of each person covered
- Recent bank statements and FD receipts
- Mutual fund and demat statements
- Property sale deed and a registered valuer’s report, if property is included
- Loan statements showing outstanding balances
Country notes
Each country sets its own proof-of-funds rules. The UK, for example, checks that funds were held for 28 consecutive days, and Canada sets a minimum amount for study permits that changes from time to time. Always follow the latest checklist from the embassy or your university.
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General information only, as of October 2026. It is not professional advice; requirements change and depend on your facts.