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Income Certificate by CA in Delhi

Reviewed by CA and CS Team, Patron Accounting LLP ICAI & ICSI Registered| 15+ Years Experience| Last Updated: Verify Credentials →

What it is: CA-attested statement of your annual income, with UDIN.

For: visa applications, bank loans, insurance, and income proof.

Also: family income certificates, often paired with a net worth certificate for visas.

Fees: starting from INR 1,999 (excl. GST and govt. charges).

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Overview: What a CA Income Certificate Is

📌 TL;DR - Income Certificate by CA Services at a Glance

An Income Certificate by a CA is an attested statement of your income for given years, on letterhead with a UDIN. Embassies, banks, and insurers use it as income proof. It is not the same as your ITR (the return you file) or Form 16 (your employer's salary certificate), and it is different from the government income certificate from revenue authorities.

Need certified proof of your income for a visa, a loan, or an insurance application? An Income Certificate by a Chartered Accountant is an attested statement of your annual income, signed and stamped with a verifiable UDIN. We prepare it accurately from your income records - salary, business, rental, and more - so embassies, banks, and insurers accept it without question.

When an embassy or a bank asks for income proof, they often want a single, CA-attested figure they can rely on - not a stack of payslips. The income certificate consolidates your income streams into one certified statement. For student visas it is commonly paired with a net worth certificate for visa to show the family's ability to fund studies abroad.

Content is reviewed quarterly for accuracy.

What Is an Income Certificate by CA

An Income Certificate by CA is a document, prepared and attested by a practising Chartered Accountant, that states an individual's or family's income for one or more specified financial years. It is issued on the CA's letterhead with a signature, seal, and a UDIN that lets the recipient verify its authenticity.

The CA reviews the underlying income records - salary slips, ITR or computation of income, business financials, rent receipts - and certifies the income figure. It is the document a third party relies on when it wants a professional's attestation of income rather than the raw records.

Key Terms for Income Certificate by CA:

  • Income certificate: a CA-attested statement of income for specified years.
  • Family income certificate: the combined income of family members, common for student visas.
  • UDIN: 18-digit number mandatory on every CA certificate since 1 July 2019.
  • Computation of income: the income summary behind the ITR, often relied on for the certificate.
  • ITR: the income-tax return filed with the department - a different document.
  • Form 16: an employer's certificate of salary paid and TDS deducted - also different.
APL-05 Income Certificate by CA
Attested and verifiable Income, Certified by a CA

Who Needs It

Anyone who must prove income to a third party with a professional's attestation. The buyer is an individual - a visa applicant, borrower, parent, or self-employed professional.

  • Visa applicants - students and tourists, to show income and financial capacity.
  • Parents of students - a family income certificate to evidence ability to fund studies abroad.
  • Loan applicants - where the lender wants CA-certified income proof.
  • Insurance and other needs - term insurance and applications requiring certified income.

What Patron Accounting Delivers

ServiceWhat We Do
Income certificateOn CA letterhead with seal and UDIN, for your stated purpose.
Multi-source consolidationSalary, business, professional, rental, and other income in one statement.
Family income certificateCombined family income where a visa requires it.
Purpose-specific formatAligned to the embassy, bank, or insurer's requirement.
ITR and net worth pairingIssued with your ITR for salary and net worth certificate where needed.
Accurate income workingBacked by our accounting services where records need compiling.
Our Process

Process: 5 Steps to Your Certificate

From telling us the purpose to delivery, here is how your income certificate is prepared.

Step 1

Tell us the purpose

Visa, loan, or insurance - and any format the recipient specifies.

Visa / loan / insurance Required format
Purpose Set 01
Step 2

Share income records

Salary slips, ITR or computation, business financials, rent receipts.

Salary / ITR Business / rent
Records In 02
Step 3

CA review

The CA verifies the records and consolidates your income by source.

Records verified Income consolidated
Reviewed 03
Step 4

Issue with UDIN

The certificate is prepared on letterhead and a UDIN is generated.

CA letterhead and seal 18-digit UDIN
Issued 04
Step 5

Delivery

You receive the certificate, with scan and physical copy as needed.

Scan copy Physical copy
Delivered 05

Documents Checklist

  • PAN and identity proof of the applicant (and family members, if applicable).
  • Salary slips or salary certificate, for salaried income.
  • ITR or computation of income for the relevant years.
  • Business or professional financials, for self-employed income.
  • Rent agreements or receipts, for rental income.
  • Bank statements, where supporting evidence is needed.

Common Challenges and How We Solve Them

ChallengeImpactHow Patron Accounting Solves It
Multiple income sourcesWe consolidate salary, business, and rental income into one clear certified figure.
Family income for a visaWe prepare a family income certificate covering all relevant members.
Wrong document submittedWe clarify income certificate versus ITR, Form 16, and the government certificate, and issue the right one.
Missing UDINEvery certificate carries a UDIN, so it is accepted as authentic on verification.

Fees for the Income Certificate

Fee ComponentAmount
Patron Accounting Professional FeesStarting from INR 1,999 (Exl GST and Govt. Charges)
Government feeNone - there is no government fee for a CA certificate.
Family / multi-year certificateQuoted above the starting fee, depending on members, sources, and years covered.

All fees and charges listed are indicative only and do not constitute a binding offer. Final amounts may vary depending on the volume of work and the complexity involved.

Professional service charges for drafting, filing, and representation are separate from the statutory fees. The exact fee depends on the complexity of the case, disputed amount, and number of hearings required. Contact us for a detailed quote.

Get a free Income Certificate by CA consultation - Call +91 945 945 6700 or WhatsApp us. No-obligation assessment.

How Long It Takes

StageEstimated Timeline
Income records readyTypically issued the same or the next working day.
Family / multi-year certificateCovering multiple members or several years may take a little longer.
Timeline confirmed up frontWe confirm the turnaround against your deadline before starting.
Fast when records are ready. With income records in hand, an individual certificate is usually same or next working day; family or multi-year certificates take a little longer - confirmed up front against your deadline.
Key Benefits

Why Use a Professional CA Firm

Only a CA can give it weight

A self-declared income statement carries no weight. Only a practising CA can issue this with professional accountability and a verifiable UDIN.

Accurate consolidation

The value is in consolidating salary, business, and rental income accurately into one certified figure the recipient can rely on.

Right format, accepted first time

We prepare it in the format the embassy, lender, or insurer expects, so it does its job the first time.

Trusted by Individuals and Families Across India

10,000+ Businesses | 4.9 Google Rating | 50,000+ Documents Processed | 15+ Years. Trusted by Hyundai, Asian Paints, and Bridgestone, among others. With offices in Pune, Mumbai, Delhi, and Gurugram, Patron Accounting serves individuals and families across India - both in-person and remotely.

Income Certificate vs ITR vs Form 16

AspectIncome CertificateITRForm 16
Issued byCAYou, to the dept.Employer
ShowsAttested incomeFiled returnSalary and TDS
CoversAll income sourcesAll income, taxesSalary only
Carries UDINYesNoNo

Related Services

Legal and Compliance Framework

  • Issuer: a practising Chartered Accountant registered with ICAI, under the Chartered Accountants Act, 1949.
  • Basis: verified income records - salary, ITR or computation, business financials, rent.
  • Distinction: not the ITR or Form 16, and not the government income certificate from revenue authorities.
  • Validation: UDIN mandatory on CA certificates since 1 July 2019, verifiable online.
  • Validity: no universal period; embassies and lenders set their own acceptable date range.

References: the certification framework is governed by the Institute of Chartered Accountants of India (ICAI); certificates are authenticated via ICAI UDIN.

What is an income certificate by CA?

It is a statement of your income for specified years, prepared and attested by a practising Chartered Accountant on letterhead with a UDIN. It is used as income proof for visas, loans, and insurance, and consolidates your income from all sources into one certified figure.

Who can issue it?

Only a practising Chartered Accountant registered with ICAI, holding a valid Certificate of Practice. The certificate carries the CA's seal, FRN, and an 18-digit UDIN that the recipient can verify on the ICAI portal. A self-declared income statement has no such standing.

What is the difference between an income certificate and an ITR?

An ITR is the income-tax return you file with the department. An income certificate is a CA's attestation of your income, often relied on by embassies and lenders who want a professional's certified figure. The two are frequently submitted together, the ITR as the filing and the certificate as the attestation.

Income certificate aur ITR mein kya antar hai?

ITR woh return hai jo aap income-tax department ko file karte hain. Income certificate CA ka attestation hai jo aapki income ko certify karta hai, UDIN ke saath. Visa aur loan ke liye dono saath mein diye jaate hain - ITR filing ke roop mein, aur certificate attestation ke roop mein.

Can a CA issue a family income certificate?

Yes. For student visas in particular, a family income certificate showing the combined income of parents or family members is common, to demonstrate the ability to fund studies abroad. It is usually paired with a net worth certificate for a fuller picture of financial capacity.

Is the CA income certificate the same as the government income certificate?

No. The government income certificate is issued by revenue authorities such as a Tehsildar or SDM, for purposes like EWS, scholarships, and reservation. The CA income certificate is a professional attestation for visa, loan, and similar private uses. They are different documents from different issuers.

How long is it valid?

There is no universal validity. Embassies, banks, and insurers set their own acceptable date range, often within a few months. Check the requirement of the body you are submitting to before getting the certificate prepared.

Do I need to have filed an ITR to get one?

Not necessarily, but a filed ITR or computation of income is strong supporting evidence and is usually expected for salaried and business income. Where you have other documented income, the CA verifies those records before certifying.

Quick Answers

What is it? CA-attested statement of your annual income.

Issued by? A practising CA, with UDIN.

Used for? Visa, loan, insurance, income proof.

Vs ITR? ITR is the return; the certificate is the attestation.

Starting fee? INR 1,999 (excl. GST and govt. charges).

Visa or Loan Deadline?

A visa or loan application will not wait, and an income proof in the wrong form can stall it. If you need certified income proof, tell us the purpose and share your records, and we will issue an accurate CA income certificate, individual or family, with UDIN, in the format the embassy or lender expects.

Get Your Income Certificate in Delhi

An income certificate by a CA is the certified income proof that embassies, lenders, and insurers trust - distinct from your ITR and Form 16, and backed by a verifiable UDIN. The value is in accurate consolidation and the right format for the recipient.

Patron Accounting prepares it properly, individual or family, bringing over 15 years of audit and certification experience to each engagement. Call +91 945 945 6700.

Book a Free Consultation - No Obligation.

Income Certificate by CA Across India

Helping individuals and families get CA-attested income proof for visa, loan, and insurance in major cities - in person and remotely.

Content Created: 9 June 2026  |  Last Updated:  |  Next Review: 9 June 2027  |  Reviewed By: CA & CS Team, Patron Accounting LLP

This page is reviewed annually (Tier 3) as a stable consumer certificate, and updated whenever certification norms, UDIN requirements, or fees change.