Net Worth Certificate for Visa by a Chartered Accountant — Study, Business, Immigration and Sponsorship Visas, What Counts as Net Worth (Movable and Immovable Assets Less Liabilities), Whose Assets Can Be Shown (Applicant, Parents, Grandparents With Consent), the Proof Required for Each Asset, Valuation Rules, the UDIN-Backed Format Embassies Accept, Turnaround and Fees

Tourist visas rarely need a net-worth certificate; long-stay visas do. Student visas ask whether the applicant's family can fund tuition and living costs for the course — Canada's study permit needs proof of funds (the living-cost figure is revised by IRCC each year) on top of the first year's tuition and a GIC, Australia's student visa asks for evidence of funds for a year's living costs and fees, the UK's student route needs maintenance funds held for 28 days, and the US F-1 interview turns on the I-20 amount against the sponsor's documents. Business and investor visas, family sponsorship and immigration streams ask for the sponsor's or applicant's net worth as evidence of settlement capacity. In every case the embassy wants a chartered accountant's certificate because the CA is answerable for the figures — the certificate carries the member's name, membership number, firm registration, seal and a UDIN that the mission can verify online.

• •Whose assets: the applicant's own, and for students the parents' (with their consent and KYC); some missions accept grandparents' or an uncle's assets with a notarised authority/sponsorship letter, many do not — check the specific checklist before including them.
• •Income beside net worth: attach the sponsor's ITRs (2–3 years), Form 16 or business financials; most missions want both wealth and recurring income.
• •Liquidity: officers separate liquid assets (bank, FD, MF) from illiquid ones (land, jewellery); keep the liquid portion at least equal to the first year's cost.
• •Consistency: the same asset must not appear in two family members' certificates; joint holdings are shown once with the share stated.

1. 1Heading and addressee: 'Net Worth Certificate' addressed 'To Whomsoever It May Concern' or to the specific consulate/university; name, PAN, address and relationship of the person(s) whose net worth is certified.
2. 2Schedule of assets and liabilities as in the table, with the valuation date and basis for each; totals in INR and, where asked, in the destination currency at a stated exchange rate and date.
3. 3Statement that the certificate is based on documents produced and explanations given, with the list of documents relied upon; disclaimer that valuations of property and jewellery are as per the valuer's report.
4. 4CA's signature, membership number, firm name and registration number, place, date and UDIN generated on the ICAI portal for that certificate; a scanned and a physical copy.
5. 5Validity: most missions expect a certificate not older than 1–3 months at the time of application; a fresh certificate is issued for each application.