4.8 Google rating 20 years combined CA experience

MahaRERA CA Certificate, Form 3 & Form 5

Fee confirmed upfront 📍 Goregaon West, Mumbai

CA certificates for builders and developers registered with MahaRERA — for withdrawing money from the RERA separate account, registering a new project, and the yearly project audit.

Form 3: CA certificate on project cost and withdrawal from the 70% separate account. Needed at registration and for withdrawals.

Form 5: Annual audit of project accounts by the promoter's statutory auditor. Due by 30 September each year.

CA Rinky Vishwakarma

Signed & reviewed by CA Rinky Vishwakarma View LinkedIn profile ICAI No.: 177507
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Form 3 Withdrawal New Registration Form 5 Audit Redevelopment
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Get Your RERA CA Certificate

Share your details — our CA checks your project stage and calls you back.

UDIN on every certificate · figures matched to your books

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Which RERA Certificate Do You Need?

Tap a form to see who signs it, when it's needed, and what we check.

browse by city, purpose & project type

Find the Exact RERA Certificate You Need

56 pages, each built around your city, the form you need, or your type of project.

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Mumbai

Form 3 & Form 5 for Mumbai projects

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Andheri

Form 3 & Form 5 for Andheri projects

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Goregaon

Form 3 & Form 5 for Goregaon projects

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Malad

Form 3 & Form 5 for Malad projects

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Borivali

Form 3 & Form 5 for Borivali projects

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Chembur

Form 3 & Form 5 for Chembur projects

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Thane

Form 3 & Form 5 for Thane projects

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Navi Mumbai

Form 3 & Form 5 for Navi Mumbai projects

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Panvel

Form 3 & Form 5 for Panvel projects

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Kalyan-Dombivli

Form 3 & Form 5 for Kalyan-Dombivli projects

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Mira-Bhayandar

Form 3 & Form 5 for Mira-Bhayandar projects

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Vasai-Virar

Form 3 & Form 5 for Vasai-Virar projects

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Bhiwandi

Form 3 & Form 5 for Bhiwandi projects

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Ambernath-Badlapur

Form 3 & Form 5 for Ambernath-Badlapur projects

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Palghar

Form 3 & Form 5 for Palghar projects

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Alibaug

Form 3 & Form 5 for Alibaug projects

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Karjat

Form 3 & Form 5 for Karjat projects

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Lonavala

Form 3 & Form 5 for Lonavala projects

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Pune

Form 3 & Form 5 for Pune projects

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Pimpri-Chinchwad

Form 3 & Form 5 for Pimpri-Chinchwad projects

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Hinjewadi & Wakad

Form 3 & Form 5 for Hinjewadi & Wakad projects

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Kharadi & Wagholi

Form 3 & Form 5 for Kharadi & Wagholi projects

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Nagpur

Form 3 & Form 5 for Nagpur projects

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Nashik

Form 3 & Form 5 for Nashik projects

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Chhatrapati Sambhajinagar (Aurangabad)

Form 3 & Form 5 for Chhatrapati Sambhajinagar (Aurangabad) projects

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Kolhapur

Form 3 & Form 5 for Kolhapur projects

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Solapur

Form 3 & Form 5 for Solapur projects

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Sangli

Form 3 & Form 5 for Sangli projects

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Satara

Form 3 & Form 5 for Satara projects

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Ahilyanagar (Ahmednagar)

Form 3 & Form 5 for Ahilyanagar (Ahmednagar) projects

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📋

Form 3 for Withdrawal

Release funds from the 70% account

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Form 3 at Registration

New project on MahaRERA

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Form 5 Annual Audit

Yearly project accounts report

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Form 5 Due Date (30 Sept)

Deadline and what to prepare

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Cancellation Refund Withdrawal

Refund to allottees on cancellation

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Final Withdrawal on Completion

Release the balance after completion

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Quarterly Project Update

Keep the MahaRERA page current

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Transaction Account (30%)

What the 30% can be used for

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Form 5 for Part Year

First year or completion year

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Redevelopment Project

Rehab cost treatment in Form 3

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SRA Project

Slum rehab + sale component

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JV & Landowner Project

Land cost rules in JDAs

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Multiple Promoters

Master account & revenue share

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Plotted Development

Plot layouts under MahaRERA

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Commercial Project

Offices, shops, warehousing

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Phase-wise / Township

Each phase is its own project

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Small Builder Project

8+ units, one building

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📄

Form 3 vs Form 5

Which one you need, and when

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The 70/30 Rule

Separate account basics

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RERA Bank Accounts

Collection, separate, transaction

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The Two-CA Rule

Why Form 3 and 5 need different CAs

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Documents Checklist

What to keep ready

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Withdrawal Calculation

How much you can withdraw

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Form 1, 2 & 3 Explained

Architect, engineer, CA

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Form 5 Mismatches

Common problems and fixes

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Verify a UDIN

Check a CA certificate is genuine

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Who we certify for

Residential Developers
Commercial Project Promoters
Redevelopment Projects
SRA Projects
JV & Landowner Promoters
Plotted Developments
Residential Developers
Commercial Project Promoters
Redevelopment Projects
SRA Projects
JV & Landowner Promoters
Plotted Developments
see before you apply

See Exactly What You'll Receive

A sample Form 3 layout, with the parts that get it accepted by the bank and MahaRERA highlighted.

SVT & Associates Chartered Accountants FORM 3 — CHARTERED ACCOUNTANT'S CERTIFICATE For withdrawal of money from the separate RERA account MahaRERA Regn No.: P518000XXXXX UDIN: 26177507BMXXXX1234 Chartered Accountant · Promoter CHARTERED ACCOUNTANT MEMBERSHIP NO.
UDIN, verifiable on the ICAI portal
MahaRERA registration no.
CA and promoter signature
official CA stamp

Figures Stay Confidential

Project cost, collections and withdrawal amounts are blurred here — this is a sample. Your certificate shows every figure in full.

What matters before it goes to the bank: the correct MahaRERA number, figures that match your books and the architect's completion %, a genuine UDIN, and signatures from both the CA and the promoter.

Ask a CA First
70%
Collections kept in separate account
30 Sep
Annual Form 5 due date
4.8 ★
Google rating — see reviews
📍 Mumbai
Goregaon West — open map
what is it

What is a RERA CA Certificate?

Under Section 4(2)(l)(D) of the RERA Act, a promoter must keep 70% of money collected from buyers in a separate bank account, and use it only for land and construction cost. A CA certificate proves the money moved out only as the building actually progressed.

each withdrawal + registration

Form 3 — CA Certificate

Certifies project cost incurred and the amount you can withdraw from the separate account.

  • Filed with Form 1 (architect) and Form 2 (engineer)
  • Signed by the CA and the promoter
  • Submitted to the bank at withdrawal; copy uploaded to MahaRERA
once a year

Form 5 — Annual Audit Report

Issued by the promoter's statutory auditor, project by project.

  • Confirms project money was used only for that project
  • Confirms withdrawals matched % of completion
  • Due by 30 September for the previous financial year
who needs this

Who Needs This?

New Project PromotersForm 3 at MahaRERA registration
Ongoing ProjectsForm 3 for every withdrawal cycle
All Registered ProjectsForm 5 every year till completion
Redevelopment & SRARehab cost treatment in Form 3
JV / Multiple PromotersRevenue-share and master account setups
Projects Seeking ExtensionUpdated financials for MahaRERA
before you apply

Documents You'll Need

MahaRERA registration certificate RERA account bank statements (collection, separate, transaction) Form 1 (architect) & Form 2 (engineer) for the period Project cost estimate & land cost papers Construction bills & contractor ledgers Sales register / allottee receipts Previous Form 3 / Form 5, if any
Not sure what applies to your project stage? Share your MahaRERA number on WhatsApp — we'll tell you exactly which documents to send.

Form 3 and Form 5 Need Two Different CAs

MahaRERA requires separate Chartered Accountants for Form 3 and Form 5. If we're your statutory auditor, we issue Form 5 and you need another CA for Form 3 — and the other way round. We'll check this before we start.

Check on WhatsApp
your CA

Signed by a Practising Chartered Accountant

Not a back office. Every project file is reviewed personally before it carries a signature.

CA Rinky Vishwakarma

CA Rinky Vishwakarma LinkedIn ICAI No.: 177507

Partner, SVT & Associates

Fellow Chartered Accountant with Big 4 and investment banking background. Matches every Form 3 figure to your RERA bank statements, cost ledgers and the architect's completion %, so the annual Form 5 audit doesn't throw up a mismatch later.
what you get

Built to Pass the Annual Audit

A Form 3 that doesn't match the books shows up in Form 5. We prepare it so it holds up.

  • ✓
    CA-Signed Certificate in MahaRERA FormatOn firm letterhead, with UDIN
  • ✓
    Withdrawal Limit Worked OutProportion to % completion, less earlier withdrawals
  • ✓
    Cost Checked Against BooksLand cost, construction cost and bills reconciled
  • ✓
    Account-Structure CheckCollection, separate (70%) and transaction (30%) accounts
  • ✓
    Two-CA Rule Checked FirstWe confirm we're allowed to sign before you pay

Verify It Yourself

Every certificate carries a UDIN generated through ICAI. Your bank and MahaRERA can confirm it came from a practising CA.

Search any UDIN at udin.icai.org — it shows our CA's name and registration.
Check your project's uploaded forms on the MahaRERA website.
how it works

Documents In, Certificate Out

1

Share Your MahaRERA Number

Tell us the form you need and the period it covers.

2

CA Checks the Numbers

Bank statements, cost ledgers and Form 1/2 matched.

3

Review the Draft

See the withdrawal figure or audit findings before signing.

4

Signed & Delivered

UDIN-verified certificate, ready for the bank and MahaRERA upload.

Figures don't support the withdrawal you wanted? We tell you the correct eligible amount before signing — not after the bank or the auditor catches it.

Fee depends on project size and the form needed — confirmed in writing before we start.

MahaRERA CA Certificate

One clear quote per project. No surprise add-ons.

  • Form 3 or Form 5 with UDIN
  • Figures reconciled with RERA bank accounts
  • Withdrawal eligibility worked out
  • Direct CA contact on WhatsApp
Quote in writingbefore any work starts
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Why No Flat Price Here?

A 12-unit building and a 400-unit township don't take the same work. We look at your project size, number of withdrawal periods and account setup, then give you one fixed quote.

common situations

Where Promoters Usually Get Stuck

withdrawal

Bank won't release funds

The bank needs Form 1, 2 and 3 together for each withdrawal. We prepare Form 3 so the figures line up with the architect's and engineer's certificates.

redevelopment

Rehab cost treatment

In redevelopment and SRA projects, rehab building cost counts as project cost. We show it correctly so eligible withdrawals aren't understated.

annual audit

Form 5 deadline close

Form 5 is due by 30 September. Late or missing uploads count as a compliance lapse against the promoter. Start early — bank statements take time.

avoid this

Why RERA Certificates Cause Trouble

ProblemWhat We Check First
Withdrawal more than % completion allowsEligible amount worked out from Form 1 % and earlier withdrawals
Land cost paid from the separate account where not allowedNature of each payment checked before it's counted
Form 3 figures don't match Form 5 auditEvery figure tied back to the books and bank statements
Same CA signing Form 3 and Form 5Two-CA rule confirmed before we accept the work
Wrong project name or registration numberMatched exactly to the MahaRERA registration certificate
Missing or invalid UDINUDIN on every certificate, verifiable on udin.icai.org

20+ Years Combined CA Experience · 4.8 Google Rating ★ · ICAI-Registered Practising CAs · Office in Goregaon West, Mumbai

questions

Frequently Asked Questions

What is MahaRERA Form 3? +
Form 3 is a Chartered Accountant's certificate on project cost and withdrawal from the RERA separate bank account. It is needed at project registration and whenever the promoter wants to withdraw money from the separate account, along with Form 1 from the architect and Form 2 from the engineer.
What is MahaRERA Form 5 and when is it due? +
Form 5 is the annual report on statement of accounts for a RERA project, issued by the statutory auditor of the promoter. It must be obtained within 6 months from the end of the financial year, that is, by 30 September. It certifies that project money was used only for that project and that withdrawals matched the percentage of completion.
Can the same CA issue Form 3 and Form 5? +
No. MahaRERA requires Form 3 and Form 5 to be issued by two separate Chartered Accountants. If we are your statutory auditor, we can issue Form 5 and you will need another CA for Form 3, and the other way round.
How much can be withdrawn from the RERA separate account? +
Only an amount in proportion to the percentage of completion of the project, less amounts already withdrawn. At least 70% of money collected from allottees must sit in the separate account and be used only for land and construction cost.
What happens if the certificates do not match the annual audit? +
If Form 5 shows that a Form 1, 2 or 3 was issued wrongly, or that withdrawals were not in proportion to completion, MahaRERA can take penal action against the promoter and report the professionals to their institutes. This is why the Form 3 figures must match the books.

Get a RERA Certificate That Holds Up at Audit

Share your MahaRERA number and the form you need — we'll confirm scope and fee before we start.

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Based in Goregaon West, Mumbai

We work with promoters across Maharashtra. Walk in, call, or WhatsApp — whichever's easiest.

📍 Topiwala Centre, Goregaon West, Mumbai – 400104
⭐ 4.8 on Google — read reviews
📱 +91 99878 83492
✉️ admin@svtandassociates.com
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