Net Worth Certificate for Visa: Your Guide to Success in India

Planning to study in the US or visit Canada? A net worth certificate for visa applications is your key to proving financial stability. 

Certified by a Chartered Accountant (CA), this document shows your assets minus liabilities, reassuring embassies you can support yourself abroad. 

Whether it’s a student, tourist or business visa, ezyLegal connects you with trusted CAs to get your certificate in 24–48 hours. 

This guide covers what a net worth certificate is, requirements, costs and tips to avoid rejections, updated for August 2025.

What is a Net Worth Certificate for Visa?

A net worth certificate is a CA-certified document that summarizes your financial position by listing all assets (e.g., property, bank balances) and liabilities (e.g., loans). 

For visa applications, it proves you have enough funds to cover travel, living or study costs abroad, ensuring you won’t rely on public resources. 

Embassies like those of the US, Canada or Australia require it to verify financial stability, especially for student, tourist, work, business or permanent residency (PR) visas. 

Certified with a Unique Document Identification Number (UDIN), it’s a trusted document that boosts approval chances. ezyLegal simplifies the process with expert CA support.

For example, a student applying for a US F-1 visa might submit a net worth certificate showing ₹50 lakh, including family property and bank savings, to cover tuition and living expenses.

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Why Embassies Require a Net Worth Certificate

Embassies need proof you can sustain yourself abroad. A net worth certificate for visa applications:

• Proves Financial Stability: Shows sufficient funds for expenses (e.g., ₹30 lakh for a year’s study in Canada).
• Increases Approval Odds: A CA-verified certificate adds credibility, reducing rejection risks.
• Meets Visa Criteria: Student visas require tuition/living cost proof; business visas need investment capacity.
• Ensures Return Intent: Strong financial ties (e.g., property in India) suggest you’ll return post-visa.
• Simplifies Verification: Consolidates complex finances into one document for embassy review.

Requirements for Visa Applications

To obtain a net worth certificate for visa applications, you’ll need:

1. Financial Documents

• Movable Assets:
  • Bank statements (savings, fixed deposits, last 12 months).
  • Investment proofs (shares, mutual funds, NPS, life insurance).
  • Valuations for gold, silver or vehicles.
  • Foreign student deposits (e.g., GIC for Canada).
• Immovable Assets:
  • Property deeds, registry papers or allotment letters.
  • Supporting documents: property tax bills, electricity bills, 7/12 records or Khata book.
• Liabilities:
  • Loan statements (home, personal, vehicle).
  • Credit card dues or other payables.
• Family Assets (if applicable): For student/dependent visas, include parents’ or sponsor’s assets with ownership proof (e.g., property share documents).

2. CA-Issued Net Worth Certificate

• Must be on the CA’s letterhead, including:
  • Your name, address, PAN and purpose (e.g., “for US student visa”).
  • Detailed asset and liability breakdown.
  • Net worth calculation (assets minus liabilities).
  • CA’s signature, seal, membership number and UDIN.
• May require dual-currency format (e.g., INR and USD) for embassies like Canada or Australia.
• Should be recent (within 3–6 months, as of August 2025) to meet embassy standards.

3. Visa-Specific Documents

• Student Visa: Proof of tuition payment, admission letter or GIC certificate (e.g., CAD 20,635 for Canada).
• Tourist Visa: Bank statements showing liquid funds (e.g., ₹5 lakh for a US trip).
• Business Visa: Investment proofs or business financials.
• Dependent/PR Visa: Sponsor’s net worth certificate and income proof.

Sample Net Worth Certificate Format

(On CA’s Letterhead)

NET WORTH CERTIFICATE

To Whomsoever It May Concern

This is to certify that Mr./Ms. [Full Name], PAN: [PAN Number], residing at [Full Address], has a net worth of ₹[50,00,000] (Rupees Fifty Lakh Only) / USD [60,000] as on [08/08/2025], based on verified documents.

Assets:

1. Immovable Property (house, land): ₹30,00,000
2. Bank Balances: ₹15,00,000
3. Fixed Deposits: ₹3,00,000
4. Investments (mutual funds): ₹4,00,000
5. Gold Ornaments: ₹2,00,000
   Total Assets: ₹54,00,000

Liabilities:

1. Home Loan: ₹4,00,000
   Total Liabilities: ₹4,00,000

Net Worth (Assets – Liabilities): ₹50,00,000

This certificate is issued for [US F-1 student visa application] at the request of Mr./Ms. [Name].

Place: [City]

Date: [08/08/2025]

For [CA Firm Name]

[Signature]

[CA Name]

Membership No.: [Number]

UDIN: [Number]

(Rubber Stamp)

Steps to Obtain a Net Worth Certificate

1. Hire a CA: Choose a licensed CA through ezyLegal for visa-compliant certificates.
2. Gather Documents: Collect recent proofs of assets (e.g., bank statements, property deeds) and liabilities (e.g., loan statements).
3. Submit to CA: Provide documents, ensuring accuracy (e.g., updated bank balances as of August 2025).
4. CA Verification: The CA reviews and assigns fair market values to assets (e.g., property, gold).
5. Receive Certificate: Get a scanned copy in 24–48 hours and a physical copy in 3–5 days, certified with UDIN.

Tips for a Successful Net Worth Certificate

To ensure your certificate is accepted by embassies:

• Use Recent Documents: Ensure all records (e.g., bank statements) are within 3–6 months, as of August 2025.
• Verify CA Credentials: Choose a reputed CA with a valid ICAI membership number to avoid rejection.
• Check Embassy Rules: Confirm requirements (e.g., Canada needs CAD 20,635 liquid funds; Australia may require notarization).
• Include Family Assets: For student/dependent visas, add parents’ or sponsor’s assets with ownership proof (e.g., property deeds).
• Use Dual-Currency Format: Include INR and USD/EUR for embassies like Canada or UK.
• Get Attestation if Needed: Some embassies (e.g., Australia) require notarization or embassy attestation.
• Avoid Common Pitfalls:
  • Incomplete documents (e.g., missing property registry).
  • Outdated certificates (older than 6 months).
  • Missing UDIN, leading to authenticity issues.
• Keep Copies: Retain digital and physical copies, as embassies may keep originals.

Costs and Timelines

Fees for a net worth certificate range from ₹2,000 to ₹5,000, with ₹3,000 typical for visa purposes, depending on the CA’s expertise and financial complexity. 

ezyLegal offers competitive rates with trusted CAs. Expect a scanned copy in 24–48 hours and physical delivery in 3–5 days, ideal for tight visa deadlines.

How ezyLegal Can Help with Net Worth Certificate for VISA

Obtaining a net worth certificate for visa applications can be complex, especially with embassy-specific rules. 

ezyLegal connects you with experienced CAs to prepare accurate, visa-ready certificates. Submit documents online, get a UDIN-certified certificate in 24–48 hours and track progress seamlessly. 

Whether you’re in Mumbai or a small town, ezyLegal ensures your certificate meets embassy standards. Visit ezyLegal to start today.

Conclusion

A net worth certificate for visa applications is your ticket to proving financial stability for student, tourist or PR visas. 

Certified by a CA, it details your assets and liabilities, ensuring embassies trust your ability to support yourself abroad. 

By gathering recent documents, choosing a reputed CA and following embassy rules, you can boost approval chances. With ezyLegal’s expert support, get your net worth certificate fast and hassle-free, tailored to your visa needs.

Frequently Asked Questions

Q1. What is a net worth certificate for visa applications?

Ans1. A CA-certified document listing your assets (e.g., property, bank balances) and liabilities, proving financial stability for visas like student, tourist or PR.

Q2. Why do embassies require a net worth certificate?

Ans2. It confirms you can cover travel, living or study costs abroad, ensuring you won’t rely on public funds and will likely return home.

Q3. Which visas require a net worth certificate?

Ans3. Student, tourist, visitor, work, business, permanent residency (PR) and dependent visas often require it to verify financial capacity.

Q4. Who can issue a net worth certificate in India?

Ans4. Only a licensed Chartered Accountant (CA) can issue it, with their signature, seal, membership number and UDIN for authenticity.

Q5. What documents are needed for a net worth certificate?

Ans5. Identity proof (PAN, Aadhaar), bank statements, property deeds, investment proofs, loan statements and family asset documents if applicable.

Q6. How is a net worth certificate prepared for visas?

Ans6. Hire a CA via ezyLegal, submit asset/liability proofs, let the CA verify and receive a UDIN-certified certificate in 24–48 hours.

Q7. How much does a net worth certificate cost?

Ans7. Costs range from ₹2,000–₹5,000, typically ₹3,000 for visa purposes, depending on CA expertise and financial complexity.

Q8. How long is a net worth certificate valid for visas?

Ans8. Typically valid for 3–6 months, as of August 2025, depending on embassy requirements.

Q9. Can I include family assets in a net worth certificate?

Ans9. Yes, for student/dependent visas, include parents’ or sponsor’s assets with ownership proof (e.g., property deeds).

Q10. Why might my net worth certificate be rejected?

Ans10. Rejections occur due to outdated documents, missing UDIN, unverified CAs or incomplete financial data. ezyLegal ensures compliance.

Q11. Do embassies require dual-currency formats?

Ans11. Yes, embassies like Canada or UK may require INR and USD/EUR values for clarity.

Q12. Does a net worth certificate help with loan approvals?

Ans12. Yes, it shows financial strength, aiding banks in assessing repayment capacity for loans.

Q13. Can I get a net worth certificate online?

Ans13. Yes, submit documents via ezyLegal for a scanned, UDIN-certified certificate in 24–48 hours.

Q14. Do embassies require attestation of net worth certificates?

Ans14. Some (e.g., Australia, UK) may require notarization or embassy attestation. Check specific rules.

Q15. How can I ensure embassy acceptance?

Ans15. Use a reputed CA, include recent documents, follow embassy guidelines and verify UDIN. ezyLegal ensures compliance.

Q16. Can small businesses apply for visa net worth certificates?

Ans16. Yes, businesses can get certificates for business visas, showing assets and liabilities. ezyLegal tailors solutions for businesses.