Net Worth Certificate from a Chartered Accountant
CA-certified proof of your net worth, total assets minus total liabilities, as on a date. Issued only by a practising ICAI CA with an 18-digit UDIN. Used for loans, tenders, demat, franchise, director proof, legal matters and visas.
- ICAI CA issued
- UDIN-authenticated
- 1 to 3 working days
- Same-day express
Reviewed by CA & CS Team · Regikart | Last Updated: 28 May 2026
A net worth certificate is a Chartered Accountant's certified statement of your assets minus liabilities as on a date. Only a practising ICAI CA can issue it, and it must carry an 18-digit UDIN. It is used for loans, tenders, demat, franchise, legal matters and visas.
Net worth certificate: what you need to know
The formula is simple: net worth equals total assets minus total liabilities. What gives the certificate its weight is the CA's verification and the 18-digit UDIN, which together make it acceptable to banks, embassies, SEBI, tender boards and courts.
| What it is | CA-certified statement of net worth on a date |
|---|---|
| Formula | Total assets minus total liabilities |
| Issued by | Practising ICAI CA with a Certificate of Practice |
| Authentication | 18-digit UDIN (mandatory since 1 July 2019) |
| Government fee | None; CA professional fee only |
| Validity | No universal validity; set by the requesting institution |
Real outcomes for individuals and businesses
Regikart prepared director and company net worth certificates for our state tender. UDIN-authenticated, accepted first time. The reference date matched the tender notice exactly.
Got my CA-certified net worth certificate in two days. The bank checked the UDIN online and accepted it without queries. The valuation of my flat was defensible.
I shared documents from the US, Regikart issued the certificate digitally. They included my overseas investments with proper backing documents. Smooth and fast.
Certified proof institutions actually accept
Certified proof
Third-party, CA-certified proof of financial position accepted by banks, embassies, SEBI, tender boards and courts.
UDIN verifiable
An 18-digit UDIN makes the certificate verifiable online at udin.icai.org - a self-prepared statement has no legal validity.
Defensible valuations
Assets valued on fair, defensible basis; high-value property may be supported by a registered valuer's report.
Flexible format
Layout, currency and reference date adjusted to match what the institution requires.
In plain language
The value left after subtracting your liabilities from your assets.
The 18-digit Unique Document Identification Number that authenticates a CA certificate.
The licence a CA needs to issue certificates under ICAI rules.
The specific date the net worth is certified as on.
A professional who values high-value property the CA may rely on.
Institute of Chartered Accountants of India - the regulator of CAs.
Six common situations
It is asked for whenever an institution needs certified proof of financial strength. For visa and immigration use, see our dedicated net worth certificate for visa page.
Bank loans and credit
To assess repayment capacity for home, business, education and personal loans.
Tenders
Government and corporate tenders set a minimum net worth criterion bidders must meet.
DEMAT and trading
SEBI requires it for certain trading segments and account opening.
Franchise and dealership
Brands ask franchisees and dealers to prove financial capacity before allotment.
Director or partner proof
Companies and LLPs use it as proof of financial standing of directors and partners.
Legal and visa matters
Divorce, inheritance and visa applications use it as certified proof of financial position.
Net worth certificate services
Individual certificates
For salaried, self-employed, professionals and NRIs.
Business and director certificates
For companies, LLPs, firms and their directors or partners.
Joint ownership treatment
Correct proportionate share for jointly held assets.
Format flexibility
The layout, currency and reference date the institution requires.
UDIN compliance
Every certificate carries a verifiable 18-digit UDIN.
Valuation coordination
We arrange a registered valuer for high-value property where needed.
Issued in 6 steps
- 01
Purpose and format
Tell us the purpose, the format required and the reference date the institution specifies.
- 02
Share documents
Assets, investments, property, and all loans and liabilities.
- 03
CA verifies figures
Our CA verifies the figures and values, using a registered valuer for high-value property if needed.
- 04
Compute net worth
We compute net worth as total assets minus total liabilities on the reference date.
- 05
Issue with UDIN
Issued with the CA's signature, seal, membership number and an 18-digit UDIN.
- 06
Receive copy
Digital copy delivered, and a physical copy where required, ready to submit.
What you will need to keep ready
Identity and PAN
- PAN and identity proof of the applicant
- Address proof of the applicant
- Photograph (where required by the institution)
- Business registration proof for entities
Assets and investments
- Bank statements and fixed deposit details
- Investment and demat statements (shares, mutual funds, bonds)
- Property documents, and vehicle and gold details
- Business ownership or capital proof
Liabilities
- Home loan, business loan and personal loan statements
- Vehicle loan and education loan statements
- Credit card outstandings, where significant
- Other amounts payable and corporate guarantees
What a net worth certificate contains
| Section | What it shows |
|---|---|
| Applicant details | Name, PAN and address of the person or entity |
| Assets | Bank, FDs, investments, property, gold, vehicles, business capital |
| Liabilities | Loans, credit dues and other amounts payable |
| Net worth | Total assets minus total liabilities on the reference date |
| CA attestation | Signature, seal, membership number and 18-digit UDIN |
Transparent fees, no surprises
There is no government fee for a net worth certificate. The Regikart professional fee depends on complexity, dual-currency needs and urgency.
Individual
Standard CA-certified net worth certificate for one person.
- Document review and asset verification
- Net worth computation on chosen date
- UDIN-authenticated CA certificate
- Digital copy delivered
Business / Director
Most popular for companies, LLPs, firms and their directors.
- Entity and director certificates
- Joint ownership treatment
- Format aligned to bank / tender
- Registered valuer coordination
Express Same-Day
For tight bank, tender or embassy deadlines.
- Everything in Individual
- Same-day issuance where documents complete
- Hard copy by courier where needed
- NRI and remote-applicant friendly
| Service | Fee |
|---|---|
| Individual net worth certificate | On request |
| Business or director certificate | On request |
| Same-day or express issuance | On request |
| Dual-currency format (for overseas use) | On request |
| Government fee | Nil |
All fees and charges listed are indicative only and do not constitute a binding offer. Final amounts may vary depending on the volume of work and the complexity involved.
A CA-led certificate partner
Practising ICAI CAs
Certificates issued by qualified Chartered Accountants with a valid Certificate of Practice.
UDIN every time
Every certificate carries a verifiable 18-digit UDIN registered with ICAI.
Registered valuer for high-value property
We use fair, market-aligned valuations and a registered valuer for high-value property.
Pan-India service
Offices in Kolkata, Delhi, Gurugram and Pune; remote and NRI support across all states.
Fast turnaround
Usually 1 to 3 working days, with same-day express possible for straightforward cases.
Transparent pricing
Clear quotes for individual, business, director and express engagements - no surprises.
What causes rejection - and how we avoid it
No UDIN
A certificate without a valid 18-digit UDIN is rejected. Ours always carries one.
Inflated property values
Overstated values trigger suspicion. We use defensible, market-aligned figures.
Wrong reference date
A tender asking for net worth as on a specific date will reject a different date. We confirm it first.
Omitting liabilities
Leaving out loans misstates net worth. We capture all liabilities.
Self-prepared statement
A statement you prepare yourself has no legal standing. Only an ICAI CA can certify.
Outdated valuation
Stale property valuations weaken the file. We refresh valuations close to the reference date.
Hand-off the paperwork to a CA
| Aspect | Doing it yourself | With Regikart |
|---|---|---|
| Legal validity | Self-prepared statement, no UDIN, no legal validity | Practising ICAI CA + verifiable 18-digit UDIN |
| Valuations | Inflated or unsupported asset values | Defensible, market-aligned valuations |
| Reference date | Wrong date - tender or bank rejects the certificate | Reference date confirmed with the institution first |
| Liabilities | Loans omitted, net worth overstated | All loans and liabilities captured |
| Format | Generic format, not what the institution expects | Layout, currency and date tailored to the requirement |
| Acceptance | Rejected by bank, SEBI, tender or embassy | Accepted first time, UDIN verifiable online |
Issued under ICAI standards
Under ICAI rules, only a practising Chartered Accountant holding a valid Certificate of Practice can issue a net worth certificate, with signature, seal, membership number and an 18-digit UDIN.
- Who can certify
Only a practising Chartered Accountant holding a valid Certificate of Practice under ICAI rules. The certificate must carry the CA's signature, seal and membership number.
- UDIN since 1 July 2019
ICAI mandates an 18-digit Unique Document Identification Number on all CA certificates, generated and verifiable at udin.icai.org. A certificate without a valid UDIN is treated as not genuine.
- Valuation basis
Assets are valued on a fair, defensible basis as on the reference date. High-value property may be supported by a registered valuer's report. Liabilities are taken at their outstanding amounts.
- Reliance and validity
Relied on by banks, SEBI, tender boards, embassies and courts. There is no statutory validity period; the requesting institution sets how recent the certificate must be.
Frequently asked questions
Quick answers on who issues it, UDIN, formula, uses, documents, cost and NRI issuance.
Still have questions?
Book a free 20-minute consult with a senior partner - we'll walk through your case and outline next steps.
Talk to a partner →Complete your certified financial file
Net worth certificate for visa
The immigration-specific version with dual currency and embassy formatting.
Learn moreITR filing - salaried
Often needed alongside net worth proof for loans and visas.
Learn moreITR filing - freelancer
Income proof for self-employed applicants and directors.
Learn moreTax filing services
End-to-end tax compliance for individuals and entities.
Learn moreNeed a CA-certified net worth certificate fast?
Our CAs handle individual, business and director certificates, joint-ownership treatment, registered-valuer coordination and UDIN compliance - in the format your bank, tender board or embassy expects.
- ICAI CA issued
- UDIN-authenticated
- 1 to 3 working days
- NRI and remote friendly