Financial certificates

Certificates your team can finish, and you can sign

A guided pass through every asset and liability the client holds, totals that compute themselves, and an ICAI-convention document on your letterhead at the end. The certificate is ready before the follow-up call.

Try it in the demo
  • Net worth, visa and bank loan certificates
  • ICAI-convention wording with UDIN
Certificate editor
1 page
LetterheadMarginsPreviewExport PDF
A word processor built for certificates

01 / Certificate types

One engine, every occasion

Each certificate type carries its own recipient block, wording and annexure format, so the document reads the way its reader expects.

01

Live

Net Worth Certificate

Assets and liabilities for tenders, franchises and general purposes.

02

Live

Visa Net Worth

For the embassy or consulate, with every figure in a second currency.

03

Live

Bank Loan Certificate

Addressed to the branch manager, carrying your firm reference number.

04

Coming soon

Solvency Certificate

Financial stability and solvency. In development, on the same engine.

02 / The guided wizard

Six steps. Nothing missed.

The wizard walks through basic details, financial assets, market assets, physical assets and liabilities before a full review. Anyone on the team can carry a certificate to done, because the flow will not let them skip what matters.

  • Jump between steps freely; completed steps flip to checkmarks
  • Save a draft and the link resumes at the exact step you left
  • Pick a saved client and their details pre-fill in two clicks
  • Fields appear only when relevant, like net weight for gold jewellery
  • Validation names the exact section and field before anything is created
  • Totals and net worth recompute live on the review step
Net worth certificate
Draft
1 Applicant2 Assets3 Review

Applicant name

PAN

Purpose

Visa application

As on date

31/03/2026
Auto-mapped to letterheadGenerate

03 / From data to document

A document engine that respects the format

Generation produces a complete ICAI-convention certificate: the letter, the summary of net worth, and a lettered sub-annexure for every asset class. Then a true A4 editor lets you fine-tune the result like a word processor built for certificates.

  • Certificate letter with engagement, responsibility and restriction-of-use paragraphs
  • Summary table with annexure cross references and per-section totals
  • Your firm letterhead painted behind every page, in the editor and in the PDF
  • Margins in inches; the document reflows without losing a character
  • An exact-file PDF preview in the browser before you export
  • Every generated version kept with its own timestamped download
Anatomy of the documentAuto-assembled
  • 01Certificate letter
  • 02Summary of net worth
  • 03Annexure A. Bank accounts
  • 04Annexure B. Mutual funds
  • 05Annexure C. Immovable property
  • 06Signature block

04 / Everything in the box

The full inventory, so you know the depth

Every micro feature currently in OptiCertificate, enumerated. If it is listed here, it is in the product today.

01Certificate wording

  • Engagement, responsibility and conclusion paragraphs per the ICAI Guidance Note
  • ICAI Code of Ethics, and SQC 1 on the visa flow
  • Restriction-of-use paragraph naming the intended recipient
  • Notes block with self-declaration and no-title-certification disclaimers
  • UDIN field with a one-click link to udin.icai.org

02The guided wizard

  • Draft id in the URL, so a refresh resumes mid-certificate
  • Card-per-item repeaters with add and delete per asset class
  • Conditional fields, like net weight only for gold and bullion
  • Add Note toggle per section, printed with the annexure
  • PAN and passport format checks, re-run on the server

03Financial assets

  • Bank accounts across savings, current, NRE and NRO, with statement date
  • Fixed and recurring deposits with certificate numbers
  • Provident fund (EPF, PPF, GPF, VPF) and NPS with PRAN
  • Life insurance with policy type and surrender value
  • Post office: NSC, KVP, SCSS, Sukanya Samriddhi, MIS, time deposits

04Market and physical

  • Mutual funds by folio: equity, debt, hybrid, ELSS and liquid
  • Shares and stocks with company name, ISIN and quantity
  • Jewellery in gold, silver, diamond, platinum and bullion, by net weight
  • Immovable property with survey and document numbers and the valuer
  • Vehicles, and partnership interests with share and capital balance

05Liabilities and totals

  • Home, car, personal, education and business loans
  • Credit cards and ODCC, secured or unsecured
  • Every section totals itself: movable plus immovable less liabilities
  • Live net worth as you type, recomputed server side for the record
  • Joint applicants combined into a single certificate

06Foreign currency

  • USD, CAD, EUR, GBP and AUD
  • Live exchange rate fetched automatically, with a manual refresh
  • The rate printed on the certificate, a second column in every table
  • Net worth also stated in the chosen currency

07The client book

  • Command-palette client picker inside the wizard
  • Name, passport, PAN and address pre-filled in two clicks
  • Added clients checkmarked and disabled, so joint applicants never duplicate
  • Add a new client inline, without leaving the wizard
  • Certificates stay linked to the client's own page

08Document generation

  • Letter, summary and a sub-annexure per asset class, lettered A onward
  • Signature block: firm, FRN, partner, membership number, place, date, UDIN
  • A declaration line in place of an empty liabilities table
  • Indian number formatting with two decimals throughout
  • Every generation stored as a new timestamped file, never overwritten

09The A4 editor

  • True A4 pages in the browser, with automatic page numbers
  • Headings, alignment, colors, highlights, spacing, resizable table columns
  • Manual page breaks and zoom from 50 to 150 percent
  • Per-side margins in inches, saved as your firm default
  • An unsaved-changes indicator, so nothing slips away

10Records and firms

  • Dashboard with drafts, searchable certificates and an activity feed
  • Certificate detail page with asset breakdown and issuing firm
  • Regenerate reopens the wizard, pre-filled from the saved snapshot
  • Multiple firm profiles, signing firm chosen per certificate
  • Every line in a real database column, queryable, not trapped in documents

Try it now

Issue a certificate in the demo

Open demo.optivida.co.in, pick Net Worth, and walk the wizard end to end with sample data. The document at the finish line is the pitch.

Open the live demo