Guide
Net worth certificate for a visa or loan
A net worth certificate is a statement by a Chartered Accountant of what a person owns and owes on a given date. Embassies, universities, banks and tender authorities use it to check that you have the funds you claim.
When you need one
- Student, tourist and immigration visa applications, often for the applicant and the sponsoring parent
- Education loans and other bank requirements
- Tenders and vendor registrations that ask for proof of financial standing
What it covers
| Item | Typical evidence |
|---|---|
| Bank balances | Recent bank statements or balance certificates |
| Fixed deposits | FD receipts or bank statements |
| Investments | Mutual fund and demat statements, PPF/EPF passbooks, insurance surrender values |
| Property | Sale deed and a registered valuer's report, or the government guidance value |
| Gold and jewellery | Valuer's certificate, where included |
| Liabilities | Loan statements showing outstanding balances |
Documents to keep ready
- PAN and Aadhaar (or passport) of each person covered
- Statements for every asset listed above, dated close to the certificate date
- Property papers and a valuation report, if property is included
- The format or checklist from the embassy, university or bank, if they gave one
Points to check before you apply
- Format: many embassies and universities prescribe their own format. Send it to us at the start.
- Currency: some require values in a foreign currency as well. The certificate should state the exchange rate and its date.
- Date: many authorities want a recent certificate. Check how old it can be on your checklist.
- Verification: every certificate carries a UDIN (Unique Document Identification Number). Anyone can verify it on the ICAI UDIN portal.
Need help with this? Message us or send an enquiry.
General information only, as of October 2026. It is not professional advice; requirements change and depend on your facts.