Proprietorship net worth certificate, explained
In law you are the business, and you are personally liable for its debts. A lender, tender officer or embassy therefore looks at your whole position, so the certificate combines personal and business assets and liabilities into a single figure, with the basis of value stated for each item.
Personal plus business assets: how we count them once
A proprietor's certificate adds the business to your personal assets, but the business can be shown in only one of two ways. Mixing the two counts the same money twice, and a bank credit officer will spot it.
- Method A, capital account. Show your capital account balance from the proprietorship balance sheet as a single asset line. The business's own assets and loans stay inside that figure.
- Method B, line by line. Show the business's assets (stock, debtors, machinery, business bank balance) and its liabilities (business loans, creditors) as separate lines, and do not show the capital account.
We use Method A when the books are kept and up to date, and Method B when the bank or tender asks to see business assets separately. Either way, the net worth is the same.
Illustrative figures only, Method A:
| Particulars | Basis of value | Amount (₹) |
|---|---|---|
| Savings account and fixed deposit | Balances as on 31 August 2026 | 5,80,000 |
| Mutual funds | NAV as on 31 August 2026 | 3,40,000 |
| Residential flat | Registered valuer's report | 48,00,000 |
| Capital account in the proprietorship | Balance sheet as on 31 March 2026 | 22,60,000 |
| Total assets | 79,80,000 | |
| Home loan outstanding | Lender's statement | 18,50,000 |
| Personal car loan outstanding | Lender's statement | 3,10,000 |
| Total liabilities | 21,60,000 | |
| Net worth | 58,20,000 |
Two more points catch proprietors out. A business loan taken in your own name is already inside the capital account figure if the business books it, so it is not deducted again; a personal loan is deducted separately. And if you do not keep books, for example because you file under presumptive taxation, we build the business side from bank statements, stock and debtor records and state that basis on the certificate. Your latest income-tax return for business helps support the figures.
How we prepare your certificate
- Confirm the requirement. The bank letter, tender clause or embassy checklist decides the format, the date and whether business assets must be shown separately.
- Compute. We pick Method A or Method B, value each asset on a stated basis, and send you the draft to approve.
- Sign and issue. Signed by a practising CA, with a UDIN, as a PDF and a hard copy where needed.
Documents we ask for: PAN and Aadhaar, your latest income-tax return, the proprietorship balance sheet and capital account if you keep books, bank statements for personal and business accounts, property papers with a valuer's report for high-value property, investment statements and statements for every loan. A Udyam or GST certificate helps show the business exists.
Upload your documents securely. A CA checks every figure against its document before drafting.
Proprietorship certificate fee
Our professional fee is from ₹1,499 per certificate. There is no government fee.
| Fee | Amount |
|---|---|
| Regikart professional fee, proprietorship net worth certificate with UDIN | From ₹1,499 per certificate |
| Government fee | No government fee |
| UDIN generation and verification | Free (ICAI portal) |
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 22 September 2026.
A registered valuer's fee, where a property valuation is needed, is separate. For the general rules on UDIN, validity and rejection reasons, see our net worth certificate guide. Other certificates a CA signs with a UDIN, such as a turnover certificate, are listed on our CA certificates page.