Start with who is asking, and for what
The name in the request is often wrong. What is never wrong is the purpose, so work from that.
| Who is asking | What they usually want | Where to go |
|---|---|---|
| A tender or an empanelment | Net worth as at a date, and average annual turnover for three years, usually both | Net worth for tenders, turnover certificate |
| A bank, for a new or renewed limit | Projections and a working capital computation, sometimes a turnover figure and a stock statement | CMA data, project report |
| An embassy or a visa office | Net worth, and often an income statement, for you personally | Net worth for a visa |
| Your bank, before a foreign remittance | The certificate in Form 146, the old Form 15CB | Form 15CA and 15CB |
| A scheme, subsidy or classification | A turnover figure, sometimes with an investment figure | Turnover certificate, Udyam registration |
| The Registrar of Companies or a filing | A certificate specific to that form, named in the form itself | MCA compliance |
| A buyer, investor or franchisor | Usually a review rather than a certificate | Due diligence, net worth certificate |
If the wording is ambiguous, send it to us before you commission anything. One email is cheaper than the wrong certificate.
The certificates we issue
Each of these has its own page. The entries below say what the certificate is for, not how it is prepared.
Net worth certificate
States assets less liabilities as at a single date. It is the certificate tenders, visa offices, lenders, franchisors and courts ask for most, and the basis of valuation has to be stated on the face of it. From ₹1,499 per certificate.
Start on the net worth certificate pillar, or go straight to the variant that matches you: for a visa, for tenders, private limited company, partnership firm, sole proprietorship or joint owners.
Turnover certificate
States turnover for a period rather than a position on a date: one financial year, three years with an average, or part of a year. The work is in identifying which turnover figure the institution wants, because revenue in the accounts, aggregate turnover under GST and turnover in the income-tax return are three different numbers.
See turnover certificate.
Capital contribution certificate
States the capital a partner, designated partner or shareholder has brought into the entity and how it was paid, drawn from the books, the bank credits and the entity's own records. It is asked for in partnership and LLP matters, and by counterparties checking that the money named in an agreement actually went in.
Ask us for this one. See LLP, partnership and net worth certificate for a partnership firm for the related work.
Stock statement certificate
States inventory and receivables at a date, in the format the lender prescribes, because the lender computes your drawing power from it. Banks usually want it monthly under the sanction terms, and some ask for periodic certification rather than a self-declaration.
Read your sanction letter for the format and frequency, and see CMA data for how the same numbers feed a limit renewal.
Form 146, the old Form 15CB
The chartered accountant's certificate your bank needs before it releases most foreign remittances, replacing Form 15CB from 1 April 2026, with Form 145 replacing Form 15CA. Not every remittance needs it, and picking the wrong part of Form 145 is the usual delay. ₹1,499 per remittance.
See Form 15CA and 15CB, now Form 145 and 146.
CMA data
Not strictly a certificate. It is the statement set a lender appraises, and a CA prepares it rather than certifies it, unless the bank specifically asks for a certified version, in which case that certificate carries a UDIN like any other.
See CMA data.
Three documents people ask a CA for that a CA does not issue
This is the section that saves people a week.
Income certificate: two different documents, one name
An income certificate issued by your state revenue authority is a government document used for EWS reservation, fee waivers and scholarships. A chartered accountant does not issue it, though we can help you apply: see income certificate.
A CA certificate of income, which is what an embassy, a lender or a landlord usually means, is a different document: a chartered accountant's statement of your income for stated years, drawn from your returns and accounts. See our guide to CA income certificates for visas, and ask us for the certificate itself.
Check which one the request means before you queue at a government office or brief a CA.
Solvency certificate
Usually issued by your bank, not by a chartered accountant. Tenders that ask for a solvency certificate normally expect it on bank letterhead, sized against the contract value, so the request goes to your branch manager.
A CA's part is the supporting position: your bank will often want a net worth statement before it issues one. See net worth certificate.
Lower deduction certificate
Issued by the income-tax department, not by a CA. It is an order permitting tax to be deducted at a lower rate or not at all, and it has to be applied for. We prepare and file the application. See lower tax deduction certificate and, for a non-resident seller of property, LTDC for NRIs.
UDIN, and how to verify any CA certificate
Every certificate a practising chartered accountant signs carries a UDIN, an 18-digit Unique Document Identification Number generated on the ICAI portal. It has been mandatory on certificates since 1 February 2019, on GST and tax audit reports since 1 April 2019, and on other attest functions since 1 July 2019. It is generated at the time of signing, or within 60 days of it.
To check a certificate you have been given:
- Open udin.icai.org.
- Enter the UDIN printed on the certificate.
- Enter your own name, mobile number and email, complete the captcha and the declaration.
- Confirm the OTP.
There is nothing to register for and no fee, and the chartered accountant who generated the UDIN is alerted that a verification took place. If a certificate carries no UDIN, that is the first question to ask about it. For a longer walk-through, see UDIN on a net worth certificate.
What a CA will not certify
Worth knowing before you ask, because a request that cannot be certified is usually a sign that a different document is needed.
- A future figure. Projections can be compiled and tested for consistency, and stated as your assumptions. Nobody can certify that a projected year will happen.
- A figure no record supports. If the books, the bank statements, the GST returns and the income-tax return cannot produce the number, the certificate cannot either.
- Something outside a CA's professional field. The market value of land, a machine or a brand is a valuer's or a merchant banker's work. See valuation report and valuation under Rule 11UA.
- A true and fair view, in a certificate. That is an audit opinion, and it comes from an audit. See statutory audit and tax audit.
- An outcome. No certificate makes a bid win, a loan sanction or a visa succeed, and any firm that suggests otherwise is selling something else.
Fees
Fee on quote after a free review. There is no government fee for a CA certificate, and UDIN generation and verification are free.
| Certificate | Fee |
|---|---|
| Net worth certificate, all variants | From ₹1,499 per certificate, see net worth certificate |
| Form 145 filing with the Form 146 certificate where needed | ₹1,499 per remittance, see Form 15CA and 15CB |
| Turnover certificate | Fee on quote after a free review |
| Capital contribution certificate | Fee on quote after a free review |
| Stock statement certificate | Fee on quote after a free review |
| CMA data | Fee on quote after a free review, see CMA data |
| Government fee on any CA certificate | No government fee |
Professional fees exclude GST at 18%. Government fees, where they apply, are paid at actuals to the department and are shown separately. Fees verified on 27 September 2026.