Comparison
Net Worth Certificate vs Valuation Report
Visa applicants often ask which document they need. A net worth certificate is a Chartered Accountant's statement of total assets minus liabilities, verified by a UDIN. A property valuation report is a registered valuer's opinion of one property's market value. They answer different questions and, for most immigration files that involve property, you need both: the valuer values the property, the CA totals the estate.
| Criterion | CA net worth certificate | Registered valuer's property report |
|---|---|---|
| Signed by | Practising Chartered Accountant with UDIN | Registered valuer (Section 514 / IBBI) |
| Covers | All assets and liabilities: bank, investments, gold, property, loans | One property (or one report per property) |
| Property figure comes from | The valuer's report, or guideline value / owner estimate if none | Inspection, comparables and method |
| Verification | UDIN on ICAI portal | Valuer's registration number; contact for verification |
| Cost | ₹6,000–₹10,000 | ₹6,000–₹10,000 per property (visa); Rule 248 scale for tax |
| Turnaround | Same day to 2 days | 24–72 hours (visa); 3–7 days (inspected) |
| Needed when | Embassy asks for total net worth or a financial summary | Embassy asks for asset proof or the CA needs a property figure |
Verdict
If property is your main asset, order the valuation report first and have the CA build the net worth certificate on it. Sending a CA certificate that lists property at a self-estimated value is the most common reason financial evidence is questioned.
Frequently asked questions
Can the CA value my property?
A CA can include property at guideline value or your estimate but must say so; a registered valuer's report is the accepted basis.
Do I need both for a Canada study permit?
Liquid funds are primary, but if your sponsor's assets include property, a valuation plus a net worth certificate is the standard package.
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Last reviewed 6 September 2026 by ValuerDekho editorial team. Regulatory references are to the Income-tax Act 2025 and Income-tax Rules 2026 (in force from 1 April 2026) with the former 1961-Act section numbers in brackets. This is general information, not tax or legal advice.