By Shweta Goyal 
Net Worth Certificate Simplified: Your Financial Snapshot in One Page!
A Net Worth Certificate is a financial document certified by a Chartered Accountant (CA) that states an individual’s or a family’s total assets minus liabilities as of a specific date. It provides a clear picture of financial health and is often required for:
✅ Visa applications (student/business)
✅ Loan approvals (home/education/business)
✅ Government tenders and contracts
✅ Educational sponsorships and scholarships
✅ Investment or business proposals
🔍 What Does It Include?
The certificate includes:
📌 Assets – such as property, vehicles, bank balances, investments, business interests
📌 Liabilities – like loans, outstanding dues, or any obligations
📌 Net Worth – calculated as Total Assets – Total Liabilities
🧾 Who Issues It?
Only a practicing Chartered Accountant is authorized to issue this certificate. It must be on the CA’s letterhead, duly signed, stamped, and supported by relevant documents such as property valuation, bank statements, and investment proofs.
📄 Why Is It Important?
A Net Worth Certificate acts as a verified financial snapshot that adds credibility and transparency to your financial disclosures. It’s especially crucial in scenarios involving international travel, financial due diligence, or legal declarations.
NET WORTH CERTIFICATE FORMAT
(As on [Date])
To Whomsoever It May Concern
This is to certify that I/we have verified the relevant books of accounts, records, and other documents of Mr./Ms./M/s [Full Name], residing at [Full Address], and based on the information and explanation provided, we hereby certify that the Net Worth of the individual/firm/company as on [Date] is as under:
Statement of Net Worth (in INR)
| Particulars | Amount (₹) |
|---|---|
| Assets | |
| Immovable Properties (Land & Building) | [Amount] |
| Movable Properties (Vehicles, etc.) | [Amount] |
| Investments (Shares, Bonds, Mutual Funds) | [Amount] |
| Bank Balances and Fixed Deposits | [Amount] |
| Cash in Hand | [Amount] |
| Business/Partnership Interests | [Amount] |
| Loans & Advances Given | [Amount] |
| Other Assets (specify) | [Amount] |
| Total Assets | [Total] |
| Less: Liabilities | |
| Loans Payable | [Amount] |
| Creditors / Outstanding Liabilities | [Amount] |
| Other Liabilities (specify) | [Amount] |
| Total Liabilities | [Total] |
| Net Worth (Assets – Liabilities) | ₹ [Net Worth] |
This certificate is based on the details, documents, and explanations provided by the client, and we are not responsible for the accuracy or completeness of the same.
Place: [City]
Date: [DD/MM/YYYY]
For [CA Firm Name]
Chartered Accountants
FRN: [Firm Registration Number]
(Signature)
[Name of CA]
Membership No.: [CA Membership Number]
UDIN: [Generate from ICAI site]
🧾 FAMILY NET WORTH CERTIFICATE
(As on [Date])
To Whomsoever It May Concern
This is to certify that I/we have examined the relevant records and financial documents provided by Mr./Mrs. [Head of Family Name], residing at [Full Residential Address], and his/her family members, and on the basis of information and explanations given to us, we hereby certify that the total Net Worth of the family as on [Date] is as under:
👨👩👧👦 Family Members Covered:
- Mr. [Father’s Name]
- Mrs. [Mother’s Name]
- Mr./Ms. [Son/Daughter Name]
- [Add more if applicable]
💼 Details of Assets & Liabilities (Family as a Whole)
| Particulars | Amount (₹) |
|---|---|
| Assets | |
| Immovable Properties (Land, House, Flats, etc.) | [Amount] |
| Movable Assets (Vehicles, Jewellery, etc.) | [Amount] |
| Investments (Shares, Bonds, FDs, PPF, etc.) | [Amount] |
| Cash & Bank Balances | [Amount] |
| Business Interests / Partnership Firms | [Amount] |
| Loans & Advances Given | [Amount] |
| Other Assets (Specify if any) | [Amount] |
| Total Assets | [Total] |
| Less: Liabilities | |
| Loans (Home/Personal/Vehicle) | [Amount] |
| Creditors / Other Payables | [Amount] |
| Other Liabilities | [Amount] |
| Total Liabilities | [Total] |
| Net Worth (Total Assets – Total Liabilities) | ₹ [Net Worth] |
📝 Declaration:
This certificate is issued at the request of the family and is based on the books, records, and representations made by the family members. We do not take responsibility for the accuracy of the valuation of assets not supported by documentary evidence.
Place: [City]
Date: [DD/MM/YYYY]
For [CA Firm Name]
Chartered Accountants
FRN: [Firm Registration Number]
(Signature)
[CA’s Full Name]
Membership No.: [ICAI Membership No.]
UDIN: [Generated from ICAI]
📌 Note:
- You can attach a property valuation report, bank statements, or investment proofs if required.
- This certificate can be notarized if needed for legal purposes or immigration requirements.
🖊️ Need Help?
As a Chartered Accountant, I can help you prepare an accurate and professionally certified Net Worth Certificate tailored to your specific needs.
📩 Reach out for assistance or read my full guide on how to get your Net Worth certified smoothly!