Net Worth Certificate by Chartered Accountant | Savlana Init

CA Certification · Net Worth

Net Worth Certificate — Verified. Certified. Bank-Ready.

A Chartered Accountant certified net worth certificate — assets and liabilities verified and presented in the format your bank, lender, or authority requires.

A net worth certificate is a formal statement, certified by a Chartered Accountant, of an individual's or entity's total assets less total liabilities as on a specific date. It is one of the most commonly requested financial certificates, used to demonstrate financial standing to a third party.

Banks require net worth certificates to assess loan eligibility or guarantor strength, courts require them in matrimonial or commercial disputes, and government departments require them for tender eligibility or licence applications — each with slightly different expectations on what should be included and how it should be presented.

We prepare net worth certificates by reviewing bank statements, property documents, investment records, and liabilities, computing the net worth accurately, and certifying it with a valid UDIN for submission to the relevant authority.

Our Net Worth Certificate Services

Asset Verification

Review of bank balances, investments, property, and other assets supporting the net worth computation.

Liability Assessment

Verification of loans, credit card dues, and other liabilities to be netted against assets.

Valuation Support

Guidance on acceptable valuation basis for property, investments, and other significant assets.

Bank-Format Certification

Certificates prepared in the specific format required by the requesting bank or lender.

Tender & Licence Certification

Net worth certificates prepared for tender eligibility, licence, or registration requirements.

Court & Legal Proceedings

Net worth certificates prepared for submission in matrimonial, commercial, or other legal proceedings.

Guarantor Net Worth

Certification of net worth for individuals standing as guarantors against loans or credit facilities.

UDIN Generation

Every certificate issued with a valid UDIN as mandated by the Institute of Chartered Accountants of India.

Our Process

Purpose Confirmation

We confirm the purpose of the certificate and any specific format required by the requesting party.

Document Collection

Bank statements, investment statements, property documents, and liability details are collected.

Computation

Assets and liabilities are reviewed and net worth is computed as on the required date.

Draft Review

A draft certificate is shared for review before final issuance.

Certification & UDIN

The certificate is signed, UDIN is generated, and the final certificate is issued.

Why It Matters

✓Accurate computation based on verified assets and liabilities

✓Certificate formatted to match your bank or authority's requirement

✓Valid UDIN included for authenticity verification

✓Quick turnaround for time-sensitive loan or tender submissions

✓Experience with both individual and corporate net worth certification

✓Guidance on acceptable valuation methods for assets

✓Confidentiality maintained over all personal financial information

✓Support for guarantor and co-applicant certification needs

Frequently Asked Questions

Typically required are bank statements, investment and demat account statements, property ownership documents, and details of any outstanding loans or liabilities as on the certificate date.

Net worth is calculated as the total value of assets — including bank balances, investments, property, and other holdings — less total liabilities such as loans and other outstanding dues, as on a specific date.

A net worth certificate reflects the financial position as on a specific date based on documents available at the time of certification; it cannot be issued for a past date without appropriate supporting documents for that date.

Most banks and authorities consider a net worth certificate valid for three to six months from the date of issue, after which an updated certificate may be required.

Property is typically included at cost, registered value, or a professionally assessed fair value depending on the requirement of the requesting authority; we advise on the appropriate basis for your specific certificate.

Net worth certificates can be issued for both individuals and companies, based on the respective balance sheet or financial records in each case.

Need a net worth certificate for a bank or authority?

We verify your assets and liabilities and issue a certified net worth certificate with UDIN, in the format required.