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NWC for Joint Owners

Net Worth Certificate for Jointly Owned Assets

When assets are jointly held, each co-owner's net worth must show only their proportionate share, taken from the ownership ratio in the registered documents. Regikart issues combined or individual UDIN-tagged certificates that allocate each owner's share correctly.

Talk to a partnerSee process
Qualified CA / CS partners2-4 working daysBest for: Co-owners, spouses & joint property holders

Starting at

₹1,999 onwards

NWC for Joint Owners

Co-owners, spouses & joint property holders

Proportionate share per the ownership ratio
Combined or individual certificates
Separate UDIN on each certificate
For visas, loans & tenders

Timeline

2-4 working days

What it is

NWC for Joint Owners, explained in plain English.

For jointly owned assets, a net worth certificate must reflect only each co-owner's proportionate share, based on the ownership ratio recorded in the registered document. Where no ratio is stated, equal shares are taken under Section 45 of the Transfer of Property Act, 1882. Regikart can issue a combined certificate showing the aggregate, or individual certificates per owner - each with its own UDIN.

TL;DR

Each co-owner's certificate shows only their proportionate share from the registered ownership ratio (equal shares if none is stated, under Section 45 of the Transfer of Property Act, 1882). Combined or individual certificates are available, each with its own UDIN.

Key terms

The vocabulary you'll see on the portal.

Ownership ratio

The share each co-owner holds, taken from the registered document (e.g. 60:40).

Section 45, TPA 1882

Treats co-owners as equal shareholders where the document states no ratio.

Combined vs individual

Combined shows aggregate net worth; individual shows one owner's share.

Routes & scenarios

Match the situation to the right fix.

01

Individual certificate

Shows one owner's proportionate share of the joint assets.

  • Share per ownership ratio
  • Often needed per spouse for visas
  • Own UDIN
  • Bank / embassy-ready
02

Combined certificate

Shows the aggregate net worth of all co-owners together.

  • Aggregate of all shares
  • Used where a joint figure is asked for
  • Single UDIN
  • Lists each owner's share
The process

NWC for Joint Owners - from kickoff to confirmation.

01

Confirm shares

We read the registered documents to confirm the ownership ratio for each asset.

02

Allocate

We allocate each owner's proportionate share (equal shares where no ratio is stated).

03

Draft

We draft combined or individual certificates as the institution requires.

04

UDIN & deliver

We generate a UDIN for each certificate, sign and stamp it, and deliver.

Documents required

What we'll need from you.

Upload via our secure portal. We pre-check every scan before filing - cuts portal rejections by ~90%.

Registered documents showing the ownership ratio
Each owner's bank statements
Each owner's investment & property proofs
Loan / liability statements
PAN & Aadhaar of each owner
NWC for Joint Owners FAQ

Common questions, answered by partners.

Still unsure if NWC for Joint Owners is right for your case? Book a free 20-minute consult - a senior CA / CS will walk you through your specifics.

Still have questions?

Book a free 20-minute consult with a senior partner - we'll walk through your case and outline next steps.

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By the ownership ratio in the registered document. If a property is held 60 to 40, only 60 percent of its value is shown in that owner's certificate.

Ready when you are

Let's get your NWC for Joint Owners sorted this week.

A senior CA / CS will get on a call with you, confirm scope and start the work - usually within 24 hours.

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