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Solvency Certificate

Solvency certificate is proof of solvency which means that the person’s assets are more than his liabilities. Solvency certificate certifies an individual’s creditworthiness. The Government of Kerala issues solvency certificate to verify the solvency of a person who undertakes works or functions.

solvency certificate authenticates that you are not a declared insolvent. The solvency certificate certifies one creditworthiness and the said certificate helps you to obtain financial support by way of loans from banks and other financial institutions.

Solvency certificate is generally issued by the revenue department such as Tehsildar or Sub-Divisional Magistrate and banks on request. Banks usually issue this certificate to their customers based on the account transactions and property documents available to them.

The below-mentioned documents must be furnished to apply for Kerala solvency certificate in Kerala.

  1. Ration Card.
  2. Proof of Identify – Voter ID.
  3. Proof of Address – Aadhaar Card.
  4. Proof of ownership of property.
  5. Land Tax.

Solvency Certificate – Application Procedure

  1. Request form.
  2. Copy of passport.
  3. The current account statement, if any.
  4. Savings account statement if any.
  5. Mutual funds investment, if any.
  6. Investment in shares, if any.
  7. Property valuation certificate from Chartered Engineer, if applicable.
  8. Gold valuation certificate, issued by Banker based on the weight and value of gold.


Click here to Download  solvency certificate Form